Internal Auditor - Credit Models & BRE - BFSI - CA

Key Responsibilities

- Conduct audits of credit scorecard models, internal rating model, credit underwriting and model governance processes

- Audit the end-to-end process of scorecard lifecycle, including model deployment, scorecard-based lending, credit scorecard.

- Assess data quality and integrity used in scorecards and scoring engines.

- Perform risk-based audits across lending products including personal loans, education loans, consumer finance, and secured lending.

- Ensure adherence to credit policies, risk appetite and RBI/NBFC guidelines

- Identify control gaps, communicate risks and monitor closure of audit.

- Prepare comprehensive audit reports with actionable insights for stakeholders

Required Skills & Competencies

- Strong understanding of Credit Models, Scorecard Model frameworks, and lending analytics.

- Exposure to model governance, underwriting processes, and regulatory guidelines (RBI/NBFC norms).

- Experience in Internal Audit for lending or BFSI institutions (preferred).

Qualification: Chartered Accountant (preferably with Analytics experience) / MBA (Finance)