Central Function AuditsAgriculture Loans and MFI Loans Auditor2Agriculture Loans - Loan origination, eligibility assessment, and documentation

- Compliance with priority sector lending and regulatory guidelines
- End-use verification and post-disbursement monitoring
- Crop loan renewals, repayment tracking, and overdue management
- Security creation, insurance coverage, and charge registration
- Subsidy claim processing and government scheme compliance
- Asset classification and provisioning accuracy; internal accounts review, regulatory submissions

MFI Loans - Adherence to microfinance regulatory and internal policy requirements

- Borrower eligibility assessment and credit appraisal process
- Group lending methodology and repayment monitoring
- Loan utilization verification and customer protection practices
- Portfolio quality analysis, PAR (Portfolio at Risk), and delinquency management
- Collection controls and field operations monitoring
- Preventive controls against over-indebtedness and multiple lending
- Reporting, asset classification, and provisioning compliance; internal accounts review, regulatory submissions3 to 61.5 to 2 LPACredit Cards Auditor2Credit card sourcing, approval, and onboarding process
- Compliance with credit policy, KYC, and regulatory guidelines
- Credit limit assessment, enhancement, and monitoring
- Card issuance, activation, renewal, and closure controls
- Interest, fees, charges, and rewards computation accuracy
- Delinquency management and collection practices
- Chargeback, dispute resolution, and customer grievance handling
- Fraud detection, transaction monitoring, and exception handling
- MIS reporting, portfolio quality, and NPA identification (if applicable); internal accounts review,



regulatory submissions3 to 61.5 to 2 LPAAsset Recovery Division Auditor2Recovery strategy and adherence to approved recovery policy
- Monitoring of overdue, NPA, and written-off accounts
- Legal recovery actions, SARFAESI proceedings, and litigation tracking
- Settlement, compromise, and waiver approval processes
- Recovery agent empanelment, monitoring, and compliance
- Adequacy of documentation supporting recoveries and write-offs
- Recovery performance monitoring and reporting
- Compliance with regulatory norms and customer protection requirements; internal accounts review, regulatory submissions3 to 61.5 to 2 LPACredit Monitoring Division Auditor2(Post-disbursement monitoring framework and effectiveness
- Review of financial statements, stock statements, and operational performance.
- Monitoring of covenant compliance and borrower stipulations
- Timely identification of Early Warning Signals (EWS)
- Account conduct monitoring and irregularity tracking
- Rating reviews and risk grading processes
- SMA/NPA classification accuracy and reporting
- Escalation mechanism and corrective action tracking; internal accounts review, regulatory submissions3 to 61.5 to 2 LPAAuditor for Outsourcing Cell and Centralised Payments2Outsourcing Cell - Vendor selection, due diligence, and approval process




- Outsourcing agreements and SLA compliance
- Regulatory compliance for outsourced activities
- Vendor performance monitoring and risk assessment
- Information security, confidentiality, and data privacy controls
- Business continuity and contingency arrangements
- Periodic review of outsourced functions and vendor audits; internal accounts review, regulatory submissions

Centralised Payments - Authorization and maker-checker controls; Accuracy and timeliness of payment processing; Reconciliation of payment transactions and suspense accounts; Compliance with regulatory and internal payment guidelines; User access management and segregation of duties; Exception handling, failed transactions, and dispute management; Monitoring of high-value and unusual transactions; internal accounts review, regulatory submissions

TDS - Compliance with applicable Income Tax Act provisions and TDS rules; correctness of TDS deduction rates across various payment categories (salary, interest, qualified fees, rent, contractor payments, etc.)

- Timely deduction and remittance of TDS to statutory authorities
- PAN collection, applicability of higher TDS rates, and exemption certificates
- TDS returns and timeliness of filing
- Reconciliation between TDS deducted, deposited, returns filed, and general ledger balances
- Accuracy of TDS accounting entries and treatment of reversal/adjustment transactions
- TDS certificates issuance process; statutory reporting accuracy.

Pay: ₹100,000.00 - ₹150,000.00 per month

Benefits

- Commuter assistance
- Health insurance
- Life insurance
- Paid sick time
- Paid time off
- Provident Fund

Work Location: In person

📌 Central Function Auditor (Andheri)
🏢 Assisto4u Consulting Private
📍 Andheri