7 - 12 years
16 - 22 Lacs
Posted:1 hour ago|
Platform:
Work from Office
Full Time
Were looking for an experienced Internal Auditor for audit of the retail assets portfolio. This
individual contributor will be responsible for performing comprehensive audits, assessing risks, and
ensuring compliance with regulatory and procedural requirements for the bank’s credit portfolio.
• Planning and conducting detailed audits for the retail assets products, covering the entire
lending lifecycle.
• Evaluate credit due diligence, documentation, post-sanction monitoring, and scorecards.
• Auditing retail lending products such as housing loans, auto loans, education loans, personal
loans, unsecured business loans, agricultural loans, commercial vehicles, construction
equipments, healthcare finance and loan against property (LAP).
• Perform process audits on collections, settlements, NPA classification, loan provisioning, early
warning systems, and delinquent loans.
• Identify gaps or weaknesses in credit evaluation, monitoring processes, and recommend
corrective actions.
• Independently analyse financial data and spot inconsistencies or missing details in credit
assessment notes.
• Ensure timely submission of regulatory data.
• Review audit checklists to ensure full coverage and accuracy.
• Highlight control lapses, revenue leakages, and suggest improvements to processes.
• Collaborate with stakeholders and auditees to discuss observations and finalise findings.
• Prepare and finalise audit reports in partnership with the supervisors.
• Track open/pending audit issues, ensuring follow-up and resolution.
• Oversee concurrent audits, ensuring high-quality execution.
• Maintain and update audit documentation, ensuring it is in line with relevant systems and
processes.
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