Internal Audit – Retail Lending Audit

Garde: M2/M3/M4

Location: Mumbai

Job Role

Key Role & Responsibilities

- Participate in audits across Retail and Commercial Lending businesses, including Mortgages, LAP, Working Capital, Personal Loans, Commercial Vehicles, Construction Equipment, Agri SME, Gold Loans, and related portfolios

- Review lending processes across sourcing, credit underwriting, operations, disbursement, collections, and customer servicing

- Assess adherence to internal policies, regulatory requirements, delegated authorities, and operational controls

- Identify process gaps, operational risks, compliance issues, and opportunities for process improvement

- Analyse exceptions, control breaches, and emerging risk themes through data-driven reviews.

- Engage with business and support functions to discuss observations and drive corrective actions

- Contribute to strengthening governance, risk management, and control frameworks across lending businesses.

📌 Audit Executive-SUPPORT SERVICES-Internal Audit (India)
🏢 Kotak Securities
📍 India