Responsibilities -

Audit Execution & Credit Quality Review

- Lead end-to-end credit reviews for Mid-Market, Large Corporate, and Institutional client portfolios.

- Critique financial statement analyses, cash flow projections, and debt-service capabilities of borrowers.

- Evaluate complex private bank structures, including syndications, structured finance, and working capital limits.

- Verify collateral valuation veracity, charge creation legality, and financial covenant adherence.

Risk Monitoring & Analytics Integration

- Audit the accuracy of internal borrower risk ratings and Early Warning System (EWS) triggers.

- Assess exposure aggregation against group borrower limits and sector concentration caps.

- Evaluate the bank's provisioning adequacy, Special Mention Account (SMA) classification, and NPL management.

- Partner with the CoE team to leverage data analytics (SQL/Excel) for sample selection and exception tracking.

Stakeholder & Regulatory Management

- Present audit findings directly to Business Unit Heads, Credit Approvers, and Relationship Directors.

- Formulate sharp, fact-based audit reports highlighting structural gaps and underlying root causes.

- Secure management commitments on actionable, time-bound remediation plans.

- Ensure absolute alignment with central bank guidelines for large exposures and asset classification.

KPIs -





- Audit Execution: Delivery of scheduled wholesale audits within targeted budget hours.

- Observation Acceptance: Percentage of material risk observations validated and accepted by business units.

- Regulatory Compliance:Zero major credit-underwriting or classification gaps flagged by central bank inspectors.

- Audit Execution: Delivery of scheduled wholesale audits within targeted budget hours.

- Observation Acceptance: Percentage of material risk observations validated and accepted by business units.

- Regulatory Compliance:Zero major credit-underwriting or classification gaps flagged by central bank inspectors.

- Remediation Tracking: Timely verification and closure of open audit issues.

- Credit Analysis: Mastery of corporate balance sheet analysis, cash flow modeling, and leverage structures.

- Banking Products: Deep understanding of Trade Finance, Fund/Non-Fund based limits, and Treasury products.

- Regulations: Robust working knowledge of local central bank guidelines for wholesale banking and Basel III/IV.

- Tools: Proficiency with core banking platforms and data-driven auditing techniques.

- High professional skepticism.

- Executive presence to challenge senior credit approvers.

- Concise, strategic writing and articulation skills.

📌 Senior Auditor (Mumbai)
🏢 Yes Bank
📍 Mumbai