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 ineff

📌 National Manager (Thane)
🏢 Tata Capital
📍 Thane