Credit Audit Head - Retail Assets - Bank (10-20 yrs)

Credit Audit - Retail Assets

Job Role:

- Experience in undertaking credit audit for Home Finance, LAP, Working Capital, Retail & Corporate Agriculture, Infrastructure Finance, Commercial Vehicle, Relationship Banking Group Business.

- Performing Audits for retail lending business (working capital as well as term loan products) as per the Risk Based Audit Plan.

- Conducting Independent assessment, identifying associated risks and mitigants, financial analysis and identify miss outs.

- Review, documentation, pre and post-disbursement conditions and monitoring practices and controls.

- Assess the Early Warning Signal (EWS) identification mechanism and its effectiveness

- Identify potential weaknesses in risk evaluation, monitoring and overall related processes, and recommend appropriate corrective actions

- Review adherence to internal processes as well as regulatory guidelines

Responsible for:

- Preparation of Business Understanding Document and Audit Checklist ensuring adequate audit scope coverage.

- Finalization of Sampling.

- Review of work performed by the team along with Audit Findings and Discussion/Closure of the same with auditee.

- Preparation of audit reports with adequate documentation and post-report activities like FTAC and ACB preparation, closure of the audits in system and closure of actionable.