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.
Litigation Management Legal Documentation Advisory Compliance and Regulatory Support Recovery & Loan portfolio support Risk Mitigation Prepare Legal Drafting & Notices
Key Responsibilities Strategic Leadership Define and execute customer service strategies for home loans and deposit products. Lead cross-functional initiatives to improve customer satisfaction and retention. Collaborate with product, compliance, and risk teams to ensure service alignment with regulatory and business goals. Team Management Manage and mentor a team of service managers, team leads, and front-line representatives. Foster a high-performance culture focused on empathy, accuracy, and responsiveness. Conduct regular training and performance reviews to maintain service excellence. Customer Experience Oversee resolution of complex customer queries and complaints related to loan applications, disbursements, repayments, account openings, and interest payouts. Implement feedback loops to capture and act on customer insights. Drive improvements in First Contact Resolution (FCR) and turnaround times. Process & Compliance Ensure adherence to RBI guidelines and internal compliance policies. Monitor service SLAs and audit readiness across all customer service channels. Technology & Innovation Leverage CRM and core banking systems to streamline service delivery. Identify and implement automation opportunities (e.g., chatbots, self-service portals). Use analytics to track trends, forecast volumes, and improve resource planning.
Job description Review of post sanction/ pre disbursement cases for exercise of sanction powers with scheme /delegations/other guidelines. Review for adherence to internal loan polices, procedures, applicable law/regulations/scheme guidelines for post sanction/ pre disbursement cases. Quality check of credit appraisal, pre sanction visits, obtention of required documents, KYC norms for post sanction/ pre disbursement cases. Quality check of loan assets. ( Monitoring of Early warnings and adequate follow up for closure). Pre caution taken while review of cases /advised to safeguard the interest of company Quality check of risk rating awarded and applicable ROI. Proper review of nature and adequacy of loan covenants Proper check and review of security coverage for post sanction/ pre disbursement cases Immediate take up with the respective branch/department in case of shortfall found in credit appraisal and process of cases for sanction Additional responsibilities to be carried out based on the requirement in the department.
1. Responsible for Information Security (IS) Governance, risk management and compliance in the organization. 2. Develop and maintain documentation related to Information Security governance, risks, and audits in alignment with regulatory and compliance requirements. 3. Create, review, and update policies and standards to adapt to evolving organizational needs. 4. Assist in interpreting policies, standards, and guidelines to ensure consistency and regulatory compliance. 5. Monitor and enforce adherence to policies and Standard Operating Procedures (SOPs) across various internal functions. 6. Collaborate closely with the CISO, CRO, and key stakeholders in Risk, IT, and Inspection functions 1. Develop and maintain documentation for IS governance, risk management, and audits in compliance with regulatory requirements. 2. Record management-level committee meetings and ensure timely tracking and closure of derived actions. 3. Provide guidance on designing and implementing security controls aligned with defined policies and standards. 4. Monitor and enforce adherence to policies and Standard Operating Procedures (SOPs) across IT functions. 5. Track, analyze, and assess requests for policy exceptions, supporting risk evaluation for deviations. 6. Contribute to the policy and standards process by incorporating information management controls and requirements. 7. Define standard metrics and KPIs to report compliance with policies, standards, and regulatory mandates. Collect, analyze, and report on risk and compliance metrics. 8. Collaborate closely with the CISO, CRO, and key stakeholders in Risk, IT, and Inspection functions. 9. Build and maintain relationships with personnel across the organization at appropriate levels. 10. Exhibit strong technical expertise and professional knowledge while demonstrating the ability to quickly assimilate new information.
Role & responsibilities This role is responsible for ensuring that the CFHL adheres to all relevant laws, regulations, and internal policies. This is a crucial position because, being a HFC NBFC, CFHL is heavily regulated to protect customers, maintain financial stability, and to prevent illegal activities like money laundering and fraud. Chief Manager shall oversees and ensures an organization's adherence to legal, regulatory, and ethical standards, often at a senior management level. The job profile of a Chief Manager typically includes the following responsibilities: a. Regulatory Compliance : Staying updated with all the relevant laws, regulations, and guidelines issued by regulatory authorities such as the Reserve Bank of India (RBI), Securities and Exchange Board of India (SEBI), and others. Ensuring the Company's operations are in compliance with these regulations. b. Policy Implementation : Developing, reviewing, and implementing internal policies and procedures to ensure that the Company's operations comply with both internal standards and external regulations. c. Risk Assessments : Conducting risk assessments to identify potential compliance risks and vulnerabilities within the Company's operations and proposing strategies to mitigate those risks. d. Training and Awareness : Providing training and awareness programs to Company staff to ensure they understand and comply with relevant regulations and internal policies. e. Monitoring and Reporting : Regularly monitoring the Company's activities to ensure compliance with established policies and regulations. Preparing and submitting reports to senior management and regulatory authorities as required. f. Internal Audits : Coordinating with internal and external auditors to conduct compliance audits and reviews. g. Investigating Compliance Violations : In case of any compliance violations or irregularities, conducting investigations and taking appropriate actions to address the issues. h. Liaison with Regulatory Authorities : Acting as the point of contact for regulatory authorities during audits and inspections. i. Industry Changes and Updates : Staying informed about the latest developments in the HFC/banking industry and how they might impact the Companys compliance requirements. Collaboration and Leadership: Collaborates with other departments and teams to ensure compliance. Also, serves as a leader and advocate for compliance within the organization Preferred candidate profile A bachelors degree in business law, finance, capital markets or a related filed. Degree like LLB/LLM, CS, CA is preferred. The staff of Compliance Department shall preferably have a fair knowledge in field of law, accountancy, risk management and information technology and also adequate practical experience in various business lines and Audit/Inspection functions. He must be capable of identifying and assessing the main compliance risks facing the Company and formulate plans to manage and mitigate them. He must be well trained to keep himself up-to-date with developments in the areas of laws, Rules and standards, regular and systematic education and training
Role & responsibilities Strategic Leadership Define and execute customer service strategies for home loans and deposit products. Lead cross-functional initiatives to improve customer satisfaction and retention. Collaborate with product, compliance, and risk teams to ensure service alignment with regulatory and business goals. Team Management Manage and mentor a team of service managers, team leads, and front-line representatives. Foster a high-performance culture focused on empathy, accuracy, and responsiveness. Conduct regular training and performance reviews to maintain service excellence. Customer Experience Oversee resolution of complex customer queries and complaints related to loan applications, disbursements, repayments, account openings, and interest payouts. Implement feedback loops to capture and act on customer insights. Drive improvements in First Contact Resolution (FCR) and turnaround times. Process & Compliance Ensure adherence to RBI guidelines and internal compliance policies. Monitor service SLAs and audit readiness across all customer service channels. Technology & Innovation Leverage CRM and core banking systems to streamline service delivery. Identify and implement automation opportunities (e.g., chatbots, self-service portals). Use analytics to track trends, forecast volumes, and improve resource planning. Preferred candidate profile Bachelors degree in Finance, Business Administration, or related field (MBA preferred). 8+ years of experience in customer service within retail banking or financial services. Deep understanding of home loan and deposit products, processes, and regulatory landscape. Strong leadership, communication, and stakeholder management skills. Proficiency in CRM platforms (e.g., Salesforce, Oracle, Finacle) and customer analytics tools