Description

Internal Audit – Retail Lending Audit – Team Member

Garde: M2/M3/M4

Location: Mumbai

Job Role

Key Role & Responsibilities
Participate in audits across Retail and Commercial Lending businesses, including Mortgages, LAP, Working Capital, Personal Loans, Commercial Vehicles, Construction Equipment, Agri SME, Gold Loans, and related portfolios
Review lending processes across sourcing, credit underwriting, operations, disbursement, collections, and customer servicing
Assess adherence to internal policies, regulatory requirements, delegated authorities, and operational controls
Identify process gaps, operational risks, compliance issues, and opportunities for process improvement
Analyse exceptions, control breaches, and emerging risk themes through data-driven reviews.
Engage with business and support functions to discuss observations and drive corrective actions
Contribute to strengthening governance, risk management, and control frameworks across lending businesses.

Responsibilities

Skills That Will Help You Succeed




Understanding of lending products, credit processes, and customer lifecycle management
Risk assessment and control mindset
Knowledge of lending policies, regulatory requirements, and governance processes
Experience in exception management, process reviews, or control monitoring
Analytical thinking and problem-solving capability
Stakeholder management and communication skills
Ability to identify process improvement prospects
Data analysis and reporting (Excel, Power BI, MIS)

Qualifications

Employees with experience in lending businesses, credit, operations, collections, risk, RCU, governance, or control functions will be well positioned to succeed in this role.

If you are passionate about understanding how lending businesses operate, strengthening controls, managing risks, and building a career in Audit, Risk, and Governance, we encourage you to apply through Assurance Next.

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