Description

Internal Audit – Credit Audit – Team Member

Garde: M2/M3/M4

Location: Mumbai

Skills That Will Help You Succeed
Credit assessment and underwriting
Financial statement and ratio analysis
Working capital and term loan evaluation
Borrower, industry, and portfolio risk assessment
Credit monitoring and portfolio management
Understanding of lending policies, regulatory requirements, and governance frameworks
Analytical thinking and problem solving
Stakeholder management and communication skills
Data analysis, MIS, and business insights

Responsibilities

Key Responsibilities
Participate in audits covering Working Capital, Term Loan, and Non-Fund Based products across Consumer, Commercial, and Corporate Banking portfolios.
Review credit appraisal, sanctioning, monitoring, and renewal processes to assess adherence to internal policies, regulatory guidelines, and delegated authorities.
Evaluate borrower assessments,



financial analysis, credit due diligence, and risk monitoring frameworks.
Assess compliance with pre- and post-sanction conditions and identify potential credit, process, and control risks.
Identify gaps in credit risk evaluation, monitoring, and governance processes, and recommend corrective actions.
Analyze portfolio trends, exceptions, and control weaknesses to support risk-based insights and recommendations.
Collaborate with business, credit, risk, and support teams to discuss observations and drive resolution of identified issues.

Qualifications

Preferred Background

Employees with experience in credit evaluation, credit risk, lending businesses, portfolio monitoring, or related risk and control functions will be well positioned to succeed in this role.

📌 Audit Executive Support Services Internal Audit Mumbai (India)
🏢 Kotak Mahindra Bank
📍 India