Internal Audit – Credit Audit
Garde: M2/M3/M4
Location: Mumbai
Key Responsibilities:
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Participate in audits covering Working Capital, Term Loan, and Non-Fund Based products across Consumer, Commercial, and Corporate Banking portfolios.
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Review credit appraisal, sanctioning, monitoring, and renewal processes to assess adherence to internal policies, regulatory guidelines, and delegated authorities.
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Evaluate borrower assessments, financial analysis, credit due diligence, and risk monitoring frameworks.
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Assess compliance with pre- and post-sanction conditions and identify potential credit, process, and control risks.
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Identify gaps in credit risk evaluation, monitoring, and governance processes, and recommend corrective actions.
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Analyze portfolio trends, exceptions, and control weaknesses to support risk-based insights and recommendations.
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Collaborate with business, credit, risk, and support teams to discuss observations and drive resolution of identified issues.
Responsibilities
Skills That Will Help You Succeed
Credit assessment and underwriting
Financial statement and ratio analysis
Working capital and term loan evaluation
Borrower, industry, and portfolio risk assessment
Credit monitoring and portfolio management
Understanding of lending policies, regulatory requirements, and governance frameworks
Analytical thinking and problem solving
Stakeholder management and communication skills
Data analysis, MIS, and business insights.
Preferred Background
Employees with experience in credit evaluation, credit risk, lending businesses, portfolio monitoring, or related risk and control functions will be well positioned to succeed in this role.
If you are passionate about understanding credit risk, strengthening risk management practices, and building a career in Audit, Risk, and Governance, we encourage you to explore this opportunity through Assurance Next.
