John Jefcin

John Jefcin currently serves as the Head of Technical – Mortgage Valuation at IDFC FIRST Bharat Ltd, where he plays a pivotal role in developing and refining the Property Valuation Function to support the bank’s strategic objectives of improved asset quality and regulatory compliance. With over 15 years of specialized experience in mortgage valuation across prime, affordable, and micro-segments, John has established himself as a trusted expert in the field of real estate appraisal and mortgage lending. His responsibilities encompass managing the entire valuation function across all states in India, ensuring that valuation processes adhere strictly to internal policies and regulatory norms, including those set forth by RERA, RBI, and other relevant authorities.

John’s expertise extends to implementing robust valuation methodologies, overseeing internal audits, and driving process improvements that enhance the accuracy and reliability of property assessments. His strategic focus on aligning valuation practices with evolving regulatory standards has significantly contributed to the bank’s asset quality management initiatives. Additionally, John’s hands-on experience in hiring, training, and mentoring valuation teams has fostered a culture of compliance and excellence within the organization.

A seasoned professional with extensive travel across urban and rural locations, John understands the nuances of diverse real estate markets, which informs his approach to mortgage valuation and risk assessment. His industry-specific skills in regulatory compliance, commercial real estate, and internal audit position him as a key driver in strengthening IDFC FIRST Bharat Ltd’s mortgage portfolio, ensuring sustainable growth while mitigating risks associated with property valuation and asset quality.