Branch Auditor

Skillventory; New Delhi, Gurugram District, Jaipur; On-site; INR 2,200,000 - 3,400,000; Full time

Job summary

Skillventory seeks a Regional Business Controller to ensure 100% adherence to gold loan SOPs, RBI Master Directions, and internal policies across all branches in the region. You will lead surprise audits, implement new branch processes, and manage fraud risk control with 70% field travel.

The role reports to Head – In Business Control; coach branch managers, generate weekly MIS, and escalate material breaches with data-driven recommendations.

Qualifications

• 10+ years in Internal Audit, Policy, Operations or Risk in banking/NBFC.
• Gold Loan exposure preferred.
• Strong RBI Gold Loan Directions knowledge and fraud pattern recognition.

Responsibilities

• Implement branch SOPs, checklists and training modules.
• Conduct unannounced audits covering KYC, vault, cash, CCTV and related processes; target minimum 12 branches per month.
• Identify process deviations and fraud risks; submit Root Cause Analysis with action plan within 48 hours.
• Coach Branch Managers and Appraisal Officers on processes and compliance.
• Share weekly audit MIS and data-backed recommendations for breaches.

Skills

Audit mindset

Communication

Authority

Language

Compliance

Education

CA, MBA, CAIIB, Certified Valuer

Job description

REGIONAL BUSINESS CONTROLLER

Role Overview

Title: Regional Business Controller

Location: , Delhi hyderabad - Gurgaon

Reports To: Head – In Business Control

Travel: 70% field travel, covering 80-120 branches per region

Primary Purpose

Ensure 100% adherence to gold loan SOPs, RBI Master Directions, and internal policies across all branches in the assigned region. Lead surprise audits, process implementation for new branches, and fraud risk control.

This role has no sales target.

Key Responsibilities

1. Process and Compliance

   Implement branch SOPs, checklists, and training modules.

2. Surprise Audits

   Conduct unannounced audits covering KYC, LTV, appraisal, vault, cash, CCTV, and auction processes. Minimum 12 branches per month.

3. Risk and Fraud Control

   Identify process deviations and fraud risks such as fake hallmark, packet swapping, benami KYC, and other gold loan fraud patterns. Submit Root Cause Analysis and an action plan within 48 hours.

4. Training

   Coach Branch Managers and Appraisal Officers on processes, compliance requirements, and fraud case studies on a monthly basis.

5. Reporting

   Share weekly audit MIS, exception trends, and elevate material breaches with data-backed recommendations.

Must-Have Experience

1. 10+ years of experience in Internal Audit, Process, Policy, Operations, or Risk within a Bank or NBFC.
2. Gold Loan or Retail Secured Assets exposure preferred.
3. Strong knowledge of RBI Gold Loan Directions 2025 and gold loan fraud patterns.
4. Proven experience in surprise branch audits and vault reconciliation.

Experience with organizations such as Muthoot, Manappuram, IIFL, Bajaj Finserv, HDFC Bank, ICICI Bank, or SBI in audit or operations roles would be ideal.

Skills and Attributes

1. Communication

   Excellent verbal and written communication skills. Ability to present audit findings firmly and professionally to senior management.

2. Audit Mindset

   Detail-oriented, checklist-driven, high integrity, with zero tolerance for SOP breaches.

3. Authority

   Comfortable stopping disbursals and escalating critical issues without conflict.

4. Language

   Proficiency in the local language of the base city, Hindi, and English.

5. Qualification

   CA, MBA, CAIIB, Certified Valuer, or Graduate with relevant professional experience.

Success Metrics

Branch audit score above 95%

Zero fraud loss

100% new branch sign-off

Audit report turnaround time below 48 hours