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Job Description – Agriculture Loans & MFI Loans Auditor

Vertical: Central Function Audits
Role: Agriculture Loans & MFI Loans Auditor
Location: Andheri East, Mumbai
Engagement Duration: 5 Months
Experience: 4+ Years of Relevant Experience
CTC: Up to ₹12 LPA

Role Overview

We are looking for an experienced Agriculture Loans & MFI Loans Auditor to conduct comprehensive audits of agricultural lending and microfinance portfolios. The role will involve reviewing loan origination, credit appraisal, regulatory compliance, documentation, portfolio quality, monitoring, collections, and provisioning practices.

Key Responsibilities1. Agriculture Loans Audit

- Review loan origination, borrower eligibility assessment, credit appraisal, and documentation processes.
- Verify compliance with Priority Sector Lending (PSL) requirements and applicable regulatory guidelines.
- Assess end-use verification and post-disbursement monitoring controls.
- Review crop loan renewals, repayment tracking, overdue management, and collection processes.
- Verify security creation, insurance coverage, and charge registration.
- Review subsidy claim processing and compliance with applicable government schemes.
- Assess asset classification and provisioning accuracy.
- Review internal accounts and supporting records related to agricultural lending.
- Verify the accuracy and completeness of applicable regulatory submissions.
- Identify process gaps, control weaknesses, and instances of non-compliance and recommend corrective actions.

2. MFI Loans Audit





- Review adherence to applicable microfinance regulatory requirements and internal lending policies.
- Assess borrower eligibility, credit appraisal, and loan approval processes.
- Review compliance with group lending methodology and repayment monitoring mechanisms.
- Verify loan utilization and assess customer protection practices.
- Analyse portfolio quality, Portfolio at Risk (PAR), delinquency trends, and collection performance.
- Review collection controls and field-level operations.
- Assess preventive controls relating to borrower over-indebtedness and multiple lending.
- Review loan reporting, asset classification, and provisioning compliance.
- Review internal accounts and supporting documentation.
- Verify applicable regulatory submissions and reporting accuracy.
- Identify operational and control gaps and provide recommendations for strengthening the audit framework.

Key Skills & Competencies

- Strong understanding of Agriculture Lending and Microfinance Lending processes.
- Experience in credit and loan portfolio audits.
- Knowledge of RBI/regulatory requirements applicable to agricultural and microfinance lending.
- Understanding of PSL, asset classification, provisioning, PAR, delinquency, and collection controls.
- Solid analytical, documentation, and report-writing skills.
- Ability to identify control weaknesses and assess associated risks.
- Good communication and stakeholder management skills.

Pay: ₹1,000,000.00 - ₹1,200,000.00 per year

Application Question(s):

- the location will be Andheri East?
- how many days will you take to join if selected?
- the budget is 1,00,000 per month?

Work Location: In person

📌 Agriculture Loans & MFI Loans Auditor (Andheri East)
🏢 JHS & ASSOCIATES
📍 Andheri East