Audit Manager (Credit Audit) - Kolkata RO

Darwinbox Digital Solutions Pvt. Ltd.; India; On-site; INR 1,800,000 - 2,600,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. invites applications for Audit Manager (Credit Audit) at the Kolkata Regional Office.

The role requires leading branch audits, applying RBI guidelines, and ensuring adherence to internal audit policy. You will mentor junior staff, coordinate with RAM and Compliance, and deliver high‑quality audit reports on time. A strong RBIA background and 7–10 years of banking audit experience are essential.

Qualifications

• 7-10 years of banking experience in branch or process audits (RBIA).
• Postgraduate degree or equivalent (BCom/BBA/MBA).
• Certifications like JAIIB, CAIIB preferred.
• Strong knowledge of RBI regulations and risk-based audit approach.
• Excellent analytical, communication, and presentation skills.

Responsibilities

• Execute and supervise branch audits as per RBI guidelines.
• Plan audits, allocate assignments, and ensure coverage per annual plan.
• Review Audit Work Papers and ensure timely reporting.
• Mentor new joinees and ensure audit decorum.
• Coordinate with RAM and Compliance for RBI data and closures.

Skills

RBIA

Risk assessment

Analytical skills

Excel

PowerPoint

Team player

Education

BCom

BBA

MBA

Equivalent Qualification

Tools

Microsoft Office

Job description

Audit Manager (Credit Audit) - Kolkata RO India 5 - 8 Years Permanent

Job Description

POSITIONDESCRIPTION

JOBTITLE

AuditManager

GRADE

AVP-1

DEPARTMENT

InternalAudit Department

LOCATION

RegionalOffice / Branch

SUB-DEPARTMENT

NA

TYPEOF POSITION

Full-time

REPORTSTO

RegionalAudit Manager

REPORTINGINTO

AssistantManager and Auditor

ROLEPURPOSE & OBJECTIVE

Toexecute and perform internal audit of branches as per auditmethodology/ procedures defined in Internal Audit Policy andapplicable external/regulatory requirements

Tomaintain evidences and supporting documents and submit toRegional Audit manager after each audit completion.

Toverify worksheet (Risk Control Matrix) & scoresheet for eachbranch audit and keep in record.

Mentornew joinees and guide them on all policy matters and Field AuditProcess.

Tocoordinate with owning department for audit issue tracking andclosure

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

NA

Ensureto conduct Branch Audit as per the Audit plan

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Executionof audits

Adoptingand Implementing Risk Based audit methodology, planning the auditschedule for state/ region with the Regional Audit Manager toensure all the branches are covered in line with annual auditplan.

Ensureto conduct/ cover process and thematic audit as and when requiredas per Annual Audit Plan.

Efficientallocation of Audit Assignment among the team members.

Ensureto cover scope of audit as per applicable Risk Control Matrix forBranch Banking & Micro Banking audit.

Ensuringprescribed samples are covered in each audit.

Ensureall processes should get visited as per audit methodology forMicro banking audit.

Reviewof Audit Work Papers.

EnsuringSocial Service Department audit to be executed as and whenrequired.

Ensuringaccomplishments of Monthly /Quarterly annual audit plan forallotted branches

EnsuringBranch Fixed Asset Verification as applicable.

Checkadherence of internal policies, processes & products with theapplicable RBI rules and regulations.

Highlightdesign & operational level gaps identified during audits tothe concerned stakeholders for enhancement of audit.

Customer(Both Internal & External)

Professionaland cordial relationship to be maintained at all the times withthe Auditees during and after the Audit.

Ensureaudit team shares the Daily observation sheet with the BusinessTeam during the audits and the Audit closing meeting is held inthe presence of branch supervisors.

Stringentmonitoring of Non-compliances from branches as well as from otherfunctions.

Listof Non-compliant branches / issues to be circulated on a weeklybasis with ageing to the Regional Audit Manager.

Conductingthe BLT/ participating in other business meet as per theDepartmental call.

AssistingRAM for preparation and submission of various RBI required datato Compliance department.

AssistingRAM for providing data as per Regional & Head Officerequirement as applicable.

InternalProcess

Timelypreparation & circulation of Audit Reports

AssistingRAM for ensuring Audit Reports are rolled out within theprescribed timelines -

Ensurequality & reliability of the audit reports by effectiveimplementation uniform Scoring pattern based on Risk ControlMatrix and Reports get circulated with proper review.

AssistingRAM in circulations & closure of all the audit reports and toassist RAM in issuance of audit closure certificate to branches.

Preservationof Circulated and Closed Report for RBI review if any required.

Anycritical issues, frauds etc., to be immediately communicated tothe Regional Audit Manager.

AuditSupervision:

Mentorfor new joinee’s and guide them on all policy matters &Field Audit Process.

Executionof Audit with the junior team members to monitor & supervisetheir work and correct the reports in case of any requirements.

Communicatingall the policy/ process related changes as well as changespertaining to audit process to the team members at regularintervals.

Propertraining to be provided to team members for effectiveimplementation of the changes.

Ensuringthe team maintains audit decorum as per applicable code ofconduct at Branches and at Regional Office.

Ensuringcost control of audit department.

MonthlyQuality Assurance & Improvement Program (QAIP) to becompleted and report to be submitted to RAM and identified gapsto be rectified.

Toensure maintenance of audit work paper and documentary evidencesas per the guidelines.

Regularlyupdate knowledge by being up to date with the RBI Circulars, MFINguidelines and relevant laws applicable to liability and assetbusiness as well as up to date with all the internal circulars atUjjivan pertaining to policy, process and product relatedchanges.

Upgradeone-self by enrolling and completing relevant certificationcourses essential for carrying out various audit assignments.

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

BCom/ BBA/ MBA or Equivalent Qualification

Experience(Yearsand Core Experience Type)

7-10years of Banking experience in handling Branch / Process Audits(RBIA).

Certifications

Certificationslike JAIIB, CAIIB, etc. is preferred

FunctionalSkills

Handson experience in conducting RBIA including Risk Assessmentthereto.

Knowledgeof RBI Regulations, Conversant with Risk Based Audit Approach,Risk Assessment and Quality standards.

Stronganalytical skills

GoodCommand in Excel, Word and Power point.

BehavioralSkills

TeamPlayer

Proactive& Task oriented

Planningand organization of work

Goodcommunication and presentation skills