Job Description

Role Purpose
To lead the Internal Control & Quality (ICQ) / Hindsighting function for the Gold Loan business by establishing robust process controls, risk monitoring frameworks, audit governance, and analytics-driven insights, ensuring high-quality portfolio performance, regulatory compliance, and continuous process improvement.

Key Responsibilities
1. Hindsighting Framework & Control Design
. Design and implement Hindsighting frameworks to retrospectively assess loan quality, underwriting accuracy, and process adherence
. Develop scoring models, validation frameworks, and sampling methodologies to identify deviations and systemic gaps
. Institutionalize structured reviews to detect early warning signals across the portfolio
2. Process Quality & Internal Control Governance
. Establish and drive process quality standards across the Gold Loan lifecycle (sourcing → underwriting → disbursement → servicing)
. Identify process gaps and implement corrective actions to strengthen operational controls
. Standardize SOPs, checklists, and control frameworks across branches/zones
3. Risk Monitoring & Fraud Prevention
. Build and manage risk monitoring frameworks to detect fraud, deviations, and operational deficiencies
. Identify patterns in process failures, underwriting lapses, and fraud signals and drive preventive measures
. Collaborate with Risk, Credit, and Vigilance teams to strengthen control mechanisms
4. Audit, Compliance & Regulatory Oversight
. Partner with Internal Audit, Compliance, and Regulatory teams to ensure adherence to RBI guidelines and internal policies
. Track audit observations, ensure closure, and strengthen controls to prevent recurrence
.



Represent ICQ/Hindsighting in audit forums and review committees
5. Analytics, Insight Generation & Reporting
. Develop analytics-driven dashboards and MIS to track process quality, deviation trends, and portfolio risk
. Analyze error trends, early delinquency patterns, process inefficiencies, and customer behaviour
. Provide actionable insights to business, credit, and product teams for decision-making
6. Process Improvement & Continuous Enhancement
. Drive continuous improvement initiatives to reduce errors, improve TAT, and enhance customer experience
. Recommend and implement process changes based on findings from hindsighting, audits, and analytics
. Lead cross-functional projects for process transformation and optimization
7. Product & Policy Feedback Loop
. Work closely with Product and Policy teams to refine product guidelines, underwriting norms, and operational processes
. Provide structured feedback on LTV norms, onboarding processes, and system workflows
. Enable alignment between product design and ground-level execution
8. Cross-Functional Stakeholder Management
. Collaborate with Business, Credit, Risk, Operations, Technology, Audit, and Compliance teams
. Act as a central authority for process validation and control effectiveness
. Present insights, risks, and recommendations to senior leadership forums
9. Team Leadership & Capability Building
. Build and lead a high-performing ICQ/Hindsighting team
. Drive capability development through training, knowledge sharing, and exposure to product/process understanding
. Enable teams to conduct structured reviews, audits, and analytics

Qualification
. Graduate (Commerce / Finance preferred)
. MBA / PGDM / CA preferred

📌 National Manager - ICQ - Gold Loan - Mumbai - Lodha (I-Think Techno Campus) - 2nd Floor- (Thane)
🏢 Tata Mutual Fund
📍 Thane