Description

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 practic

📌 Manager - ICQ - Gold Loan - Delhi - Lajpat Nagar-
🏢 Tata Capital
📍 Delhi