Gold Loan Auditor - Operations/Controls & Process Reviews

Description:

Qualification: CA / MBA (Finance)

Experience: Minimum 2 years in Audit / Gold Loan Operations

Key Responsibilities:

- Conduct branch-level gold loan audits to ensure adherence to internal policies, operational guidelines, and regulatory norms.

- Review end-to-end gold loan processes, including appraisals, loan disbursement, documentation, storage, and closure.

- Verify accuracy of records, gold purity testing reports, and compliance with prescribed loan-to-value (LTV) ratios.

- Identify process gaps, control weaknesses, and operational risks in gold loan handling and custody.

- Evaluate compliance with RBI regulations, company standards, and risk management policies.

- Prepare detailed audit reports, highlighting deviations and recommending corrective actions.

- Follow up with branch and regional teams for timely closure of audit observations.

- Support continuous process improvement through insights from audit findings.

- Assist in developing audit frameworks and checklists specific to gold loan operations.

Key Skills & Competencies:

- Strong understanding of Gold Loan products, operations, and audit processes.

- Knowledge of RBI regulations, internal control systems, and risk management practices.

- Analytical and problem-solving ability with keen attention to detail.

- Good command over Excel and audit reporting tools.

- Excellent communication and presentation skills.

- Ability to handle multiple audits and travel to branch locations as required.

Preferred Background:

- Prior experience in Gold Loan Audits / Operations / BFSI Internal Audit.

- Candidates from NBFCs or financial institutions with gold loan portfolios will be preferred