Immediate requirement- Credit Audit

Role & responsibilities

• Conduct Credit Audits /credit functions covering Retail, MSME, Microfinance and other lending portfolios.
• Identify credit, operational and process risks, control gaps and policy deviations.
• Prepare comprehensive audit reports, highlight key risk observations and recommend corrective actions.
• Review credit appraisal, sanction, documentation, disbursement, monitoring and post-sanction controls.
• Assess adherence to Credit Policy, Delegation of Authority, SOPs and regulatory guidelines.
• Review asset classification, provisioning, early warning signals (EWS), SMA/NPA accounts and portfolio quality.
• Track closure of audit observations and coordinate with Business, Credit, Risk and Operations teams.
• Support risk-based audit planning, thematic reviews and management reporting.

Preferred candidate profile

• 812 years of relevant experience in Credit Audit / Internal Audit / Credit Risk / Credit Underwriting within Banks/NBFCs.