Internal Audit - Wholesale - Mumbai

Job Description:

Job Title: Internal Auditor – Wholesale

Location: Mumbai

Qualification

• Qualified Chartered Accountant (CA). 

Role Overview

We are looking for an experienced Internal Auditor to conduct risk-based audits across wholesale lending products and core processes, including credit appraisal, underwriting, disbursement, monitoring, and collections. The role focuses on evaluating financial controls, regulatory compliance, and risk governance frameworks while identifying control gaps and recommending corrective actions.

Key Responsibilities

• Conduct credit audits of the Wholesale vertical, covering pre-sanction, post-sanction, disbursement, and monitoring processes.
• Ensure timely commencement and closure of audits, including working paper documentation and submission of audit reports.
• Ensure accuracy, consistency, and quality of audit reports and data.
• Review policies, internal guidelines, processes, practices, revenue assurance, and risk coverage.
• Ensure timely submission of RBI data and other regulatory requirements.
• Conduct process reviews, thematic audits, checklist reviews, and special audits.
• Monitor developments in credit-related areas and provide updates on regulatory and internal control requirements.
• Recommend improvements in existing processes and systems.

Experience

• 3–5 years of experience in conducting credit audits of the Wholesale vertical within HFCs, NBFCs, or Banking institutions.
• Good knowledge of credit functions, policies, internal guidelines, processes, and risk coverage.
• Ability to manage multiple assignments and deadlines.
• Strong Excel, database manipulation, financial and statistical analysis skills.
• Strong analytical skills and understanding of HFC, NBFC, and Banking systems, internal controls, and reporting processes.
• Willingness to travel as required.