Ashish Kumar Chaurasia
Property Valuation Appraiser, Technical Real Estate Knowledge, Risk Management & Credit Support, Financial Risk Assessment And Regulatory Compliance, Property Inspection & Verification, Asset Class Expertise, Soft & Operational Skills.
Jabalpur
Summary
To reach top position by utilizing my skills, abilities and team spirit in the organization, I work with.
Overview
7
7
years of professional experience
2
2
Languages
Work History
Area technical manager
Hinduja housing finance Ltd
Jabalpur
09.2022 - Current
- Currently I am working in Hinduja housing finance Ltd since 12.09.2022 now promoted and now working as an Area technical manager at Jabalpur location.
Branch Technical manager
Adhar housing finance Ltd
Bilaspur, CG
12.2021 - 04.2022
- 28 dec 2021 to 5april 2022 worked under Adhar housing finance Ltd as Branch Technical manager in Bilaspur CG location.
Internal valuer (Designation- Se. Technical executive)
Aavas Financiers Ltd
Rewa, MP
07.2019 - 12.2021
- 2 year 5months Worked under Aavas Financiers Ltd from 16th July 2019- 02 December 2021 as an internal valuer (Designation- Se. Technical executive) in Rewa MP based.
Lecturer (civil engineering)
JNCT Rewa
Rewa
- Worked as a lecturer (civil engineering) in JNCT Rewa, duration 1 sem.
Site engineer
Maa infra. Pvt Ltd.
Rewa, M.P
- 4 month worked as a site engineer in PMGSY project at Java (Rewa) under Maa infra. Pvt Ltd. Rewa (m.p)
Minor/Major Training - Civil Department
J.P. cement Rewa
Rewa
- Minor/Major Training - Civil Department from J.P. cement Rewa.
Education
B.E. -
RGPV
01.2014
Senior Secondary - Mathematics
M.P Board
05-2009
High School - All
M.P Board
01.2007
Skills
Property Inspection & Verification: Conducting site visits, verifying property measurements, checking structural condition, and identifying encroachments
Valuation Approaches: Proficient in Sales Comparison Method (comparable market data), Income Approach (rental yield analysis), and Cost Approach (reconstruction cost)
Market Analysis: Analyzing local real estate market trends, property appreciation/depreciation rates, and demand-supply dynamics
Forced Sale Value (FSV): Assessing the distressed value of properties for risk management
Asset Class Expertise: Valuation of diverse assets—residential (apartments, houses), commercial (offices, retail), and land
Collateral Risk Assessment: Evaluating property to determine loan-to-value (LTV) ratios and mitigating lending risks
Technical Due Diligence: Reviewing property documentation, including title deeds, sale agreements, occupancy certificates, and building approvals
Approval/Non-Performing Assets (NPA) Valuation: Expert in valuation for new loans and annual revaluation of NPAs
Project Approvals: Analyzing project viability, builder reputation, and legality for project funding
RBI/NHB Guidelines: In-depth understanding of National Housing Bank (NHB) regulations regarding property valuation and collateral
IVS & Local Standards: Familiarity with International Valuation Standards (IVS) and RICS standards
Legal & Zoning Laws: Understanding of local property laws, land use, RERA compliance, and environmental regulations
MS Excel & Modeling: Using Excel for data analysis, trend calculation, and preparing valuation models
Valuation Software/GIS Tools: Proficiency in tools like Argus, Costar, or GIS mapping for spatial analysis
Loan Management Systems (LMS): Experience with LMS for data entry, file tracking, and TAT (Turnaround Time) monitoring
Turnaround Time (TAT) Management: Ensuring timely delivery of valuation reports to facilitate rapid loan disbursement
Stakeholder Management: Coordinating with legal teams, sales teams, Direct Selling Agents (DSAs), and technical auditors
Report Writing & Documentation: Creating detailed, accurate, and defensible valuation reports
Negotiation & Problem Solving: Resolving valuation discrepancies and addressing technical queries
Personal Information
- Father's Name: Mr. VIJAY CHAURASIA
- Mother's Name: Smt. Indu Chaurasia
- Blood Group: O+
- Date of Birth: 21 Feb. 1992
- Marital Status: Unmarried
- Availability: Jabalpur, MP
Additional Information
12/569, old NH-7, Turn of Dainik Jagaran Press Gandhi Nagar ward no. 12, Rewa Madhya Pare
Current Place
Jabalpur, Madhya Pradesh
Timeline
Area technical manager
Hinduja housing finance Ltd
09.2022 - Current
Branch Technical manager
Adhar housing finance Ltd
12.2021 - 04.2022
Internal valuer (Designation- Se. Technical executive)
Aavas Financiers Ltd
07.2019 - 12.2021
Lecturer (civil engineering)
JNCT Rewa
Site engineer
Maa infra. Pvt Ltd.
Minor/Major Training - Civil Department
J.P. cement Rewa
High School - All
M.P Board
B.E. -
RGPV
Senior Secondary - Mathematics
M.P Board