Perform and control the full audit cycle including risk management and control management over operations effectiveness, financial reliability and compliance with all applicable directives and regulations Determine internal audit scope and develop annual plans Obtain, analyse and previous reports, data, flowcharts etc Prepare and present reports that reflect audits results and document process Act as an objective source of independent advice to ensure validity, legality and goal achievement Identify loopholes and recommend risk aversion measures and cost savings Maintain open communication with management and audit committee Document process and prepare audit findings memorandum Conduct follow up audits to monitor managements interventions Engage to continuous knowledge development regarding sectors rules, regulations, best practices, tools, techniques and performance standards Branch Visit across all locations PAN India

Draft, review, and negotiate contracts related to housing finance, ensuring alignment with company policies and legal standards.

Oversee and monitor the portfolio of affordable home loans, identifying potential delinquencies, credit risks, and early warning signs of portfolio stress. Analyze regional trends and develop a targeted risk scoring system to categorize and prioritize loan accounts based on risk level. Conduct in-depth analysis of delinquent accounts within the state, understanding borrower circumstances and identifying potential solutions. Collaborate with regional and branch teams to gather additional information and assess risk factors specific to the state market. Report risk trends and portfolio health to national Risk Containment Unit and regional management, providing insightful recommendations for proactive risk mitigation. Review and analyze industry best practices and regulatory requirements related to risk management and loan loss mitigation, with a focus on state-specific considerations. Provide guidance and training to regional and branch teams on state-specific risk containment procedures and best practices. Stay informed about changing regulations and industry trends, ensuring state-level policies and procedures adapt accordingly. Develop EWS System and Stress Testing Module and monitor the same

Ensure targets are met and team managementDesired candidate will be the single point of contact in the team responsible for seeing a transaction from pitch to closure, liaising with client and all internal teams at branch levelCredit - require sector / industry expertise, analysis, preparation / presentation of transaction to senior stakeholders Local tie-ups with DSAs to generate loan pipelines and manage the channelsLiaising with internal Operations teams and counsel to ensure execution and closureExpansion in T2 & T3 cities, targeting retail loans for affordable housing projectsEnsure compliance with regulationsManagement of the Branch Build professional relationship with internal employees (EBG and Wealth) to drive x-sell business Drive open market channel development through DSAs and Connectors Strong participation in sales events such as meeting with CAs / Doctors etc , participation in exhibitions and road shows at worksites etc Conduct regular and detailed trainings and business reviews with branch employees, DSA and Connector Channel to ensure continuous file flow Measure the productivity and efficiency level of channel partners closely and initiate corrective action as required Understand competitive landscape and market dynamics of the area to position our products with the customer Engage closely with Area Sales Manager / Cluster Head to ensure that branding and advertisement at area level are in line with product offering Provide market insights to Area Sales Manager / Cluster Head in terms of new products, schemes, payouts structures and marketing strategies being offered and run by competition