REGIONAL BUSINESS CONTROLLER

Role Overview

Title: Regional Business Controller

Location: , Delhi hyderabad - Gurgaon

Reports To: Head – In Business Control

Travel: 70% field travel, covering 80–120 branches per region

Primary Purpose

Ensure 100% adherence to gold loan SOPs, RBI Master Directions, and internal policies across all branches in the assigned region. Lead surprise audits, process implementation for new branches, and fraud risk control.

This role has no sales target.

Key Responsibilities

1. Process and Compliance

Implement branch SOPs, checklists, and training modules.
1. Surprise Audits

Conduct unannounced audits covering KYC, LTV, appraisal, vault, cash, CCTV, and auction processes. Minimum 12 branches per month.
1. Risk and Fraud Control

Identify process deviations and fraud risks such as fake hallmark, packet swapping, benami KYC, and other gold loan fraud patterns. Submit Root Cause Analysis and an action plan within 48 hours.
1. Training

Coach Branch Managers and Appraisal Officers on processes, compliance requirements, and fraud case studies on a monthly basis.
1. Reporting

Share weekly audit MIS, exception trends, and escalate material breaches with data-backed recommendations. Must-Have Experience
1.



10+ years of experience in Internal Audit, Process, Policy, Operations, or Risk within a Bank or NBFC.
2. Gold Loan or Retail Secured Assets exposure preferred.

Experience with organizations such as Muthoot, Manappuram, IIFL, Bajaj Finserv, HDFC Bank, ICICI Bank, or SBI in audit or operations roles would be ideal.
1. Strong knowledge of RBI Gold Loan Directions 2025 and gold loan fraud patterns.
2. Proven experience in surprise branch audits and vault reconciliation.

Skills and Attributes
1. Communication

Excellent verbal and written communication skills. Ability to present audit findings firmly and professionally to senior management.
1. Audit Mindset

Detail-oriented, checklist-driven, high integrity, with zero tolerance for SOP breaches.
1. Authority

Comfortable stopping disbursals and escalating critical issues without conflict.
1. Language

Proficiency in the local language of the base city, Hindi, and English.
1. Qualification

CA, MBA, CAIIB, Certified Valuer, or Graduate with relevant professional experience.

Success Metrics

Branch audit score above 95%

Zero fraud loss

100% current branch sign-off

Audit report turnaround time below 48 hours

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