Description
Job Purpose

To lead and strengthen the Credit Control & Monitoring framework for the Gold Loan business across the country by ensuring robust risk governance, valuation controls, portfolio monitoring, audit compliance, fraud prevention, operational excellence, and regulatory adherence. The role will be responsible for driving a scalable and productive credit monitoring ecosystem that supports business growth while maintaining superior asset quality and risk discipline.

Key Responsibilities

Credit Control & Risk Monitoring
Establish and oversee the Credit Control & Monitoring framework for the Gold Loan portfolio.
Monitor portfolio health, risk indicators, exception reporting, and early warning signals.
Drive initiatives to strengthen underwriting controls, valuation governance, and credit discipline.
Review deviations, policy exceptions, and operational lapses, ensuring timely corrective actions.
Develop and implement preventive controls to mitigate fraud, operational, and reputational risks.

Gold Loan Valuation Governance




Manage the end-to-end governance framework for gold valuers across the network.
Oversee empanelment, onboarding, training, certification, performance management, and periodic audits of valuers.
Ensure valuation practices remain aligned with organizational policies and regulatory requirements.
Monitor valuation quality, discrepancies, fraud indicators, and control breaches.
Build and maintain a scalable valuer network to support business expansion.

Portfolio Monitoring & Analytics
Design and manage MIS dashboards covering portfolio performance, valuation quality, audit observations, compliance metrics, and operational productivity.
Analyze risk trends and recommend strategic interventions to improve portfolio quality.
Present insights and recommendations to senior management through periodic reviews.
Drive data-driven decision-making using analytics and performance scorecards.

Compliance, Audit & Regulat

📌 National Manager Thane
🏢 Tata Capital
📍 Thane