Lead - Credit Compliance Key Responsibilities 1.

Compliance

Monitoring &

- Risk Management Identify compliance gaps, process lapses, and control weaknesses across Vehicle Finance operations. Assess compliance risks and drive corrective and preventive actions to mitigate identified exposures. Monitor compliance observations and remediation status on an ongoing basis. Provide regular updates and reports to relevant stakeholders regarding compliance risk positions. Act as the first line of defense to ensure adherence to regulatory and internal compliance requirements. 2.

Regulatory Change Management

Drive implementation of current regulatory requirements within defined timelines. Ensure timely incorporation of RBI directives, regulatory guidelines, and compliance mandates into business processes and systems. Review, amend, and update policies, SOPs, operational guidelines, and process documents in line with evolving regulatory requirements. Coordinate with business and support functions to ensure effective implementation of regulatory changes.

- RBI Inspection &
- Compliance Testing Review RBI inspection observations and compliance-testing findings. Coordinate and ensure timely closure of observations within stipulated timelines. Conduct sustenance and effectiveness checks to prevent recurrence of identified issues. Drive process and system enhancements to address root causes and strengthen compliance controls. Maintain documentation and evidence supporting closure of regulatory observations. 4.

Audit Management





Review and coordinate closure of observations arising from RBI, Statutory, Internal, and Concurrent Audits. Ensure audit responses are aligned with relevant stakeholders before submission. Track all open audit observations through closure and monitor implementation of agreed action plans.

Drive process improvements and system enhancements to address audit findings. Conduct post-closure sustenance checks to ensure effectiveness of implemented controls. Ensure closure of Internal Audit observations within stipulated timelines (preferably within 15 days).

- Process &
- System Governance Review existing operational processes and recommend improvements in control frameworks. Collaborate with Business, Technology, Operations, Risk, and Compliance teams to implement system and process enhancements. Ensure system controls are aligned with regulatory requirements and internal policies. Support automation and control initiatives to strengthen governance and operational efficiency. 6.

Regulatory

Reporting &

- Data Management Collate, validate, and submit information required by Compliance, Internal Audit Department (IAD), Vigilance, Regulators, and other stakeholders. Ensure accuracy, completeness, and timeliness of regulatory submissions. Maintain MIS and dashboards relating to compliance observations, audits, inspections, and remediation status. Support management reporting and governance forums with meaningful compliance insights.

📌 Credit Compliance Lead (Chennai)
🏢 equitas small finance bank
📍 Chennai