Audit & NRC Chair — Responsible Credit, Governance and Leadership Succession

The institution's purpose is served only when access to finance remains compatible with affordability, fair treatment and a resilient balance sheet. The Audit and NRC chairs together determine whether the Board receives truthful evidence and whether leadership systems reward the right outcomes. The incoming director must be willing to challenge growth that is operationally impressive but economically or ethically fragile.

Chairing Audit through the life of a loan

Assurance will follow the loan from source and consent through underwriting, documentation, disbursement, servicing, collection, modification and closure. The committee should understand where data is captured, changed or overridden; which activities sit with third parties; and how customer, credit and accounting records reconcile.

Provisioning will be examined through vintage, roll rates, cure, restructuring, collateral, recovery and realised loss. Management overlays require documented evidence, governance and subsequent back-testing.



The Chair will be alert to changes in portfolio mix or growth rate that make headline delinquency temporarily less informative.

Other priorities include revenue and fee recognition, fraud, related parties, technology access, suspense and reconciliation items, assignment or securitisation, vendor controls, whistle-blower cases and regulatory reporting. Findings should remain open until the relevant behaviour or design has changed—not merely until documentation is supplied.

Chairing NRC through the risk outcome

The NRC will maintain emergency and developed succession for the CEO, CFO, CRO, compliance, internal audit, technology and operating leadership. It will assess whether control functions have authority and direct access commensurate with their accountability.

Executive reward should incorporate portfolio seasoning, customer outcome, collections conduct, control closure and capital effici

📌 Independent Director (Gurugram)
🏢 Gladwin International
📍 Gurugram