Education Loans Internal Audit Professional
1 week ago
We are seeking a highly skilled Internal Audit Manager to join our team. 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.
The key objectives of this role include:
- Evaluating the adequacy and effectiveness of internal controls across the retail lending value chain for education loans.
- Verifying process compliance with internal policies, regulatory guidelines, and product notes; identifying gaps, quantifying risk impact, and recommending control improvements.
- Detecting process lapses, misrepresentation, or fraud indicators using sampling, walkthroughs, and data testing.
The responsibilities of this role include:
- Planning and executing risk-based audit engagements on education/student loans portfolios, defining scope, test plans, sampling, and timelines based on ticket-size risk, product features, and geographic spread.
- Performing credit file audits on disbursed loans to validate completeness and accuracy of applications, appraisal notes, sanction terms, and documentation.
- Testing critical checkpoints across the lifecycle: appraisal quality, sanction deviations, disbursement controls, post-disbursement utilization, EMI setup, NACH mandates, and early delinquency triggers.
- Validating loan disbursement controls: maker-checker approvals, voucher controls, segregation of duties, and documentary evidence as per policy/SOPs.
- Reviewing system data integrity: loan terms, interest rates, moratorium handling, interest capitalization, and repayment schedules.
- Assessing partner/DSA sourcing controls and branch adherence to KYC/AML norms and negative lists for student/guardian/co-borrower profiles.
- Evaluating collections controls: bounce handling, field visit documentation, restructuring/rescheduling approvals, and write-off authorization matrices.
- Identifying fraud red flags (duplicate identities, proxy loans, forged documents) using sample checks and cross-validation.
- Preparing clear audit reports with findings, risk ratings, root-cause analysis, and actionable recommendations.
In order to succeed in this role, you should have:
- A strong understanding of retail lending processes, credit risk, secured/unsecured education loan products, and documentation norms.
- Proficiency in risk-based auditing, sampling, data testing, and control evaluation; ability to design audit programs and working papers.
- Knowledge of KYC/AML controls and operational risk in retail assets; awareness of regulatory expectations impacting retail lending processes.
- An analytical mindset with attention to detail; ability to detect patterns indicating control failures or fraud.
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