Retail Asset Auditor

21 hours ago

mumbai, India Piramal Finance Full time

Key Responsibilities: Undertake audits of retail asset products and lending operations as per the approved risk-based audit plan, ensuring comprehensive coverage of processes and controls. Perform independent assessment of risks, evaluate internal controls, and conduct detailed financial and operational analyses to identify process gaps and control weaknesses. Review pre- and post-disbursement documentation, credit underwriting practices, and loan monitoring mechanisms for compliance with internal and regulatory requirements. Evaluate the effectiveness of Early Warning Signal (EWS) identification, tracking, and escalation mechanisms across retail lending operations. Identify deficiencies in risk evaluation, monitoring, and control processes; recommend practical and time-bound corrective actions. Ensure adherence to internal policies, RBI/NHB guidelines, Companies Act provisions, and other applicable regulatory frameworks. Prepare audit planning documents (Business Understanding Note, Audit Checklist) ensuring adequate scope and depth of coverage. Execute end-to-end audits independently — from fieldwork to reporting — and ensure timely closure of audit observations in the system. Support the preparation of audit reports, validate findings with business teams, and drive closure discussions with auditees. Undertake special reviews or investigations as directed by the Audit Committee, Senior Management, or Regulators. Guide and review work performed by new joiners or junior members in the retail audit team, ensuring quality and consistency in audit execution. Contribute to strengthening governance, risk management, and control culture within the retail lending business. 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. Up to 6 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. 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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