Manager - ICQ - Gold Loan - Delhi - Lajpat Nagar - (M1-M3) Key Responsibilities Internal Control &

- Audit Management • Conduct periodic branch audits and operational reviews across the region.
- Ensure adherence to company policies, SOPs, risk management guidelines, and regulatory requirements.
- Verify controls related to gold appraisal, loan sanctioning, disbursement, renewal, custody, and auction processes.
- Identify operational risks, process deviations, and control weaknesses.
- Recommend corrective and preventive actions for audit observations.

Quality

Assurance &

- Process Monitoring • Develop and implement quality assurance frameworks for branch operations.
- Perform quality checks on customer documentation, loan files, KYC, and transaction records.
- Monitor process compliance and service quality across branches.
- Track key quality metrics and prepare regional quality scorecards.
- Conduct root cause analysis for recurring quality issues and process failures.

Gold Loan Operations

Review • Validate adherence to gold valuation norms and appraisal standards.

- Review pledge management, vault security, inventory controls, and documentation.
- Monitor auction processes and ensure compliance with approved procedures.
- Ensure proper maintenance of branch records and customer files. Regulatory &




- Compliance Monitoring • Ensure compliance with RBI regulations, AML guidelines, KYC norms, and internal policies.
- Monitor exceptions and regulatory violations.
- Coordinate with Compliance, Risk, Vigilance, and Audit teams for corrective actions.
- Support regulatory inspections and internal/external audits. Investigation &
- Risk Management • Conduct investigations into frauds, operational lapses, customer complaints, and policy violations.
- Assess risk exposure and recommend mitigation measures.
- Monitor high-risk transactions and exception reporting. Training &
- Capability Building • Conduct branch-level training on internal controls, compliance requirements, and operational best practices.
- Educate branch staff on process updates and regulatory changes.
- Support operational excellence initiatives across the region.

Stakeholder

Management • Work closely with Regional Business Heads, Area Managers, Branch Managers, Risk, Operations, Compliance, and Internal Audit teams.

- Present audit findings, risk trends, and quality performance reports to management.
- Drive closure of audit observations within agreed timelines.

Educational

Qualification • Graduate (Commerce / Finance preferred) • MBA / PGDM / CA preferred

📌 Manager - Internal Control and Quality Assurance - Gold Loan (New Delhi)
🏢 Tata Capital Finance
📍 New Delhi