Lead - Retail Asset Audit

7 days ago

New Delhi, India Piramal Finance Full time

Location: Kurla, MumbaiJob Overview:As Lead – Retail Audit, the incumbent will ensure strong risk management, controls, and governance across Piramal Finance’s retail lending business. This role provides independent assurance to senior leadership while driving improvements that enhance compliance, efficiency, and customer trust.Qualification: Chartered Accountant (Mandatory)Experience:- Strong familiarity with Companies Act, RBI / NHB and other regulatory requirements. - Significant experience in developing, testing, and assessing internal controls. - Strong analytical skill with knowledge and understanding of the HFC, NBFC and Banking systems, internal control, and reporting processes. - 16+ years of total work experience in internal audit and risk management of NBFC/ HFC/ Banking, and reputed audit firms. Preferred to have candidates from retail asset internal audit background who has managed central and branch audits.Key Responsibilities:- Experience in undertaking audit for retail asset products and performing audits for retail lending business as per the risk-based audit plan. - Conduct independent assessments, identify associated risks and mitigants, perform financial analysis, and highlight gaps. - Review, documentation, pre- and post-disbursement conditions and monitoring practices and controls including 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 and regulatory guidelines, ensuring alignment with company policies. - Assess and recommend improvements to governance processes, risk management, and controls, while promoting strong ethics, accountability, and effective performance management. - Undertake audits, special investigations, or reviews at the request of Audit Committee of Board (ACB), Senior Management or Regulators. - Preparation of Business Understanding Document and Audit Checklist ensuring adequate audit scope coverage. - Lead and mentor audit teams by reviewing their work, overseeing audit findings, and facilitating discussions with auditees to ensure effective closure and coordination across departments. - Travel to branches PAN India for audits as and when required. - Preparation of audit reports with adequate documentation and post-report activities and closure of the audits in system.Piramal is an equal opportunity employer. Qualified applicants will be considered without regard to age, gender, marital status, sexual orientation, gender identity or expression, disability, or religion.

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