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.





Preferred candidate profile

Understanding of lending products, credit processes, and customer lifecycle management

- Risk assessment and control mindset

- Knowledge of lending policies, regulatory requirements, and governance processes

- Experience in exception management, process reviews, or control monitoring

- Analytical thinking and problem-solving capability

- Stakeholder management and communication skills

- Ability to identify process improvement opportunities

- Data analysis and reporting (Excel, Power BI, MIS)

Candidates with experience in lending businesses, credit, operations, collections, risk, RCU, governance, or control functions will be well positioned to succeed in this role.

📌 Retail Auditor (Mumbai)
🏢 Kotak Mahindra Bank
📍 Mumbai