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, professional 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

Advantages

- 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