Internal Audit

10 hours ago


Ahmedabad Bengaluru Mumbai, India Skillventory Full time ₹ 5,00,000 - ₹ 15,00,000 per year

Role Overview:

Were looking for an experienced Internal Auditor for audit of the retail assets portfolio. This

individual contributor will be responsible for performing comprehensive audits, assessing risks, and

ensuring compliance with regulatory and procedural requirements for the bank's credit portfolio.

Key Responsibilities:


• Planning and conducting detailed audits for the retail assets products, covering the entire

lending lifecycle.


• Evaluate credit due diligence, documentation, post-sanction monitoring, and scorecards.


• Auditing retail lending products such as housing loans, auto loans, education loans, personal

loans, unsecured business loans, agricultural loans, commercial vehicles, construction

equipments, healthcare finance and loan against property (LAP).


• Perform process audits on collections, settlements, NPA classification, loan provisioning, early

warning systems, and delinquent loans.


• Identify gaps or weaknesses in credit evaluation, monitoring processes, and recommend

corrective actions.


• Independently analyse financial data and spot inconsistencies or missing details in credit

assessment notes.


• Ensure timely submission of regulatory data.


• Review audit checklists to ensure full coverage and accuracy.


• Highlight control lapses, revenue leakages, and suggest improvements to processes.


• Collaborate with stakeholders and auditees to discuss observations and finalise findings.


• Prepare and finalise audit reports in partnership with the supervisors.


• Track open/pending audit issues, ensuring follow-up and resolution.


• Oversee concurrent audits, ensuring high-quality execution.


• Maintain and update audit documentation, ensuring it is in line with relevant systems and

processes.


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