Audit Executive_SUPPORT SERVICES_0616_1288_1082315

Kotak Mahindra Bank; Mumbai; Presencial; INR 900.000 - 1.500.000; Jornada completa

Descripción de la vacante

Kotak Mahindra Bank in Mumbai seeks a Retail Lending Audit – Team Member to participate in audits across retail and commercial lending portfolios, review end-to-end lending processes, and strengthen governance and control environments.

The role emphasizes identifying risks, regulatory adherence, and driving corrective actions through collaboration with stakeholders. Mumbai-based position with on-site duties."

Formación

• Audits across Retail and Commercial Lending portfolios including mortgages, LAP, working capital, personal loans, and related portfolios.
• Review lending processes across sourcing, credit underwriting, operations, disbursement, collections, and customer servicing.
• Assess adherence to internal policies, regulatory requirements, delegated authorities, and operational controls.
• Identify process gaps, operational risks, compliance issues, and opportunities for process improvement.
• Analyse exceptions, control breaches, and emerging risk themes through data-driven reviews.
• Engage with business and support functions to discuss observations and drive corrective actions.

Responsabilidades

• Participate in audits across Retail and Commercial Lending businesses, including Mortgages, LAP, Working Capital, Personal Loans, Commercial Vehicles, Construction Equipment, Agri SME, Gold Loans, and related portfolios.
• Review lending processes across sourcing, credit underwriting, operations, disbursement, collections, and customer servicing.
• Assess adherence to internal policies, regulatory requirements, delegated authorities, and operational controls.
• Identify process gaps, operational risks, compliance issues, and opportunities for process improvement.
• Analyse exceptions, control breaches, and emerging risk themes through data-driven reviews.
• Engage with business and support functions to discuss observations and drive corrective actions.
• Contribute to strengthening governance, risk management, and control frameworks across lending businesses.

Conocimientos

Lending products

Credit processes

Customer lifecycle

Risk assessment

Governance

Data analysis

Stakeholder management

Herramientas

Excel

Power BI

MIS

Descripción del empleo

Job Description:

Retail Lending Audit – Team Member

Requisition Number:- 253696

Location: Mumbai

About the Role

Retail Lending Audit provides an opportunity to gain end-to-end exposure to retail and commercial lending businesses while strengthening capabilities in risk management, governance, controls, and regulatory compliance. The role involves reviewing key lending processes, identifying risks and control gaps, assessing adherence to policies and regulations, and partnering with stakeholders to strengthen the control environment.

Location:

Key Role & Responsibilities

• Participate in audits across Retail and Commercial Lending businesses, including Mortgages, LAP, Working Capital, Personal Loans, Commercial Vehicles, Construction Equipment, Agri SME, Gold Loans, and related portfolios


• Review lending processes across sourcing, credit underwriting, operations, disbursement, collections, and customer servicing


• Assess adherence to internal policies, regulatory requirements, delegated authorities, and operational controls


• Identify process gaps, operational risks, compliance issues, and opportunities for process improvement


• Analyse exceptions, control breaches, and emerging risk themes through data-driven reviews.


• Engage with business and support functions to discuss observations and drive corrective actions


• Contribute to strengthening governance, risk management, and control frameworks across lending businesses.

Skills That Will Help You Succeed

• Understanding of lending products, credit processes, and customer lifecycle management


• Risk assessment and control mindset


• Knowledge of lending policies, regulatory requirements, and governance processes


• Experience in exception management, process reviews, or control monitoring


• Analytical thinking and problem-solving capability


• Stakeholder management and communication skills


• Ability to identify process improvement opportunities


• Data analysis and reporting (Excel, Power BI, MIS)

Employees with experience in lending businesses, credit, operations, collections, risk, RCU, governance, or control functions will be well positioned to succeed in this role.