Education Loans Audit Specialist

1 day ago

Bengaluru, Karnataka, India beBeeAudit Full time ₹ 9,00,000 - ₹ 12,00,000
Job Description

We are seeking a highly skilled Audit Manager to join our team. The ideal candidate will have experience in risk-based auditing, sampling, data testing, and control evaluation.

The successful candidate will be responsible for planning and executing risk-based audits across the education loans portfolio, covering end-to-end lifecycle: sourcing, underwriting, documentation, disbursement, servicing, collections, and regulatory reporting.

  • Evaluate the adequacy and effectiveness of internal controls across the retail lending value chain for education loans, including credit appraisal, KYC, documentation, and post-disbursement monitoring.
  • Verify process compliance with internal policies, regulatory guidelines, and product notes; identify gaps, quantify risk impact, and recommend control improvements.
  • Detects process lapses, misrepresentation, or fraud indicators using sampling, walkthroughs, and data testing; ensure timely remediation tracking and closure.
Required Skills and Qualifications
  • Bachelor's/Master's degree in commerce/finance/accounting or equivalent.
  • 4–8 years of internal audit or credit audit experience in retail lending; exposure to school infrastructure / education loans preferred.
Key Responsibilities
  • Plan and execute risk-based audit engagements on education/student loans portfolios, defining scope, test plans, sampling, and timelines based on ticket-size risk, product features (secured/unsecured, co-borrowers), and geographic spread.
  • Perform credit file audits on disbursed loans to validate completeness and accuracy of applications, appraisal notes, sanction terms, and documentation (KYC, income, admission proof, margin money, collateral where applicable).
  • Test critical checkpoints across the lifecycle: appraisal quality, sanction deviations, disbursement controls, post-disbursement utilization, EMI setup, NACH mandates, and early delinquency triggers.
Additional Requirements
  • Strong analytical mindset with attention to detail; ability to detect patterns indicating control failures or fraud.
  • Clear business writing and stakeholder communication for reporting and follow-up.

Please note that this job description is subject to change as per the company's requirements.

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