Responsibilities -

· Lead/ Oversee audits of the Credit function. Credit audits will cover customers across Wholesale/Retail working capital Banking segments. Such audits will cover both pre and post disbursement policies & procedures.

· Plan, design and implement risk based audit plans to ensure safety and soundness of the Bank.

· Oversee Concurrent Audit Process .

· Ensure completion of assigned audits and documentation of work papers on time.

· Track status of issues reported.

· Assist in keeping relevant processes benchmarked to Best Practices and peer banks.

· Assist in keeping Audit Procedure Manual and checklists updated.

· Devise audit checklists for use of internal/concurrent Auditors and test processes/procedures to foresee pitfall and bottlenecks and ensure these are audited/resolved.

· To provide suggestions for improvement to existing process / systems to line management

Qualification, Background and competencies -

· Chartered Accountant/MBA(Finance)

· Expert knowledge of Credit Policies & Procedures covering both pre & post disbursement aspects

· Expert knowledge of bank audit procedures.

· Hands on experience of Credit audit/underwriting of approximately 1-8 years at operational .

· Possess sound product knowledge of all other areas of banking including regulatory requirements.