Analyse credit data and financial statements to determine risk levels Process and verify loan applications and customer documentation Ensure accurate reporting of customer credit information to bureaus (CIBIL, Experian, Equifax, CRIF High Mark) Monitor repayment behaviour and flag delinquencies Coordinate with internal teams for data integrity and compliance Maintain records for audit and regulatory purposes. Familiarity with credit bureau systems and reporting formats Strong analytical and communication skills Working knowledge of MS Excel and financial software tools. Monthly submission of credit data to [Credit Bureau Name] Adherence to RBI and bureau-specific reporting guidelines Data validation and reconciliation prior to upload Timely resolution of bureau disputes and customer queries Preferred candidate profile
Internal auditor(On field) Risk Based Internal Audit The role of internal auditor entails assessing and evaluating the effectiveness of internal controls, risk management systems and compliances within the company. To conduct thorough audit for Pan India branches, analyse the data, identify discrepancies and provide recommendations for improvements. Additionally, to help safeguard the organisations assets and prevent any fraud, if any. Objectives of this role Conducting branch audits to evaluate the effectiveness of internal controls, risk management systems and operational processes. Assessing and ensuring the branches comply with company’s policies. Providing management with accurate and timely reports on audit findings, including recommendations for improvement. Giving independent and objective assessments of the branch operations, internal controls and physical verification of loanee properties. Proposing recommendations to enhance operational efficiency and identifying other areas of improvement. Roles and responsibilities Plan and execute branch audits, including data analysis and verification. Review loan account application process and supporting documentation. Evaluate internal control systems and ensure adherence to applicable company policies. Perform risk assessments and internal control evaluations of branches being audited and detect discrepancies. Analysing and reporting the potential risk arising in future. Identify and investigate potentially fraudulent activities or financial irregularities. Prepare and present audit reports to Management/HOD. Conducting investigation based on various triggers and submitting the report to the HOD/Management. Stay updated with the latest industry regulations, company policies and best practices in internal auditing. Willingness to travel across India. Required skills and qualifications Bachelor’s degree in commerce/finance, accounting or a related field. Professional certification, such as CIA (Certified Internal Auditor), CFE (Certified Fraud Examiner) is a plus 5+ years of experience in internal auditing or related financial roles. Strong understanding of housing finance regulatory requirements. Knowledge of credit viz., analysis of financial documents of borrowers, verifying the background checks done by the branch, credit appraisal. Thorough knowledge of legal aspects viz., understanding legal scrutiny report and reporting any flaws in title tracing etc. Proficiency in preparing and reviewing financial documents and audit reports. Knowledge of accounting aspects viz., analyzing bank reconciliation statement. Strong communication and interpersonal skills to effectively collaborate with stakeholders at all levels. Excellent analytical, problem-solving and critical-thinking skills. Ability to work independently or in a team. Working knowledge of MS Office applications (Excel, Word, Outlook). Excellent verbal and written communication skills. Strong ethical standards and a commitment to maintaining confidentiality. Ability to adapt to changing regulatory environments and industry practices. Preferred skills and qualifications Advanced degree in accounting, finance or related field. Experience in conducting audits in a regulated housing finance industry. Great attention to detail and accuracy with the ability to work with large data sets. Ability to work under pressure and meet deadlines.