Internal Audit – Retail Lending Audit
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.

📌 Audit Executive-SUPPORT SERVICES-Internal Audit (Mumbai)
🏢 Kotak
📍 Mumbai