Head - Credit/Audit - CA

Key Responsibilities:

- Develop and execute a comprehensive audit strategy for Credit Audits. This includes all key areas of the Credit Lifecycle:

- Credit origination, screening, assessment, and sanction.

- Limit and facility booking, credit operations, and disbursement.

- Post-disbursement monitoring, collections, recovery, and pre-payments/foreclosures.

- Settlements, restructuring, and credit administration.

- Early warning monitoring.

- Related legal and regulatory compliance and reporting (e.g., asset classification, provisioning, income recognition).

- Covering all lines of businesses, customer segments, products, and channels.

- Assess the adequacy and effectiveness of risk management and controls, and ensure strict adherence to internal policies and procedures, as well as applicable laws and regulations.

- Build and maintain strong relationships with key stakeholders across various departments to facilitate audit processes and ensure recommendations are effectively implemented.

- Lead, mentor, and develop a high-performing team of credit audit professionals, fostering a culture of excellence and continuous improvement.

Desired Profile:

- Education: Post Graduate (CA Preferred).

- Experience: 15+ years of extensive experience in managing Credit Audits for Banks / NBFCs.

- Expertise: Deep knowledge of the entire credit lifecycle and related regulatory frameworks.

- Leadership: Proven ability to develop and execute strategic audit plans and lead a team.

- Analytical Skills: Strong analytical, problem-solving, and decision-making capabilities.

- Communication: Excellent communication and interpersonal skills to engage effectively with all levels of management and external parties.