Retail Auditor

Kotak Mahindra Bank; Mumbai; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Kotak Mahindra Bank is seeking a риск governance and audit professional to participate in audits across Retail and Commercial Lending, including mortgages and various loan portfolios. The role focuses on process reviews, regulatory adherence, and driving corrective actions across lending teams.

Ideal candidates will have a risk and control mindset, knowledge of lending policies, and strong data analysis capability with Excel and Power BI to monitor and report observations.

Qualifications

• Understanding of lending products and customer lifecycle.
• Experience in exception management, process reviews, or control monitoring.
• Ability to identify process improvement opportunities.
• Strong data analysis and reporting skills.

Responsibilities

• Review lending processes across sourcing, credit underwriting, operations, disbursement, collections, and servicing.
• Assess adherence to policies, regulatory requirements, delegated authorities, and controls.
• Identify gaps, risks, and opportunities for improvement.
• Analyze exceptions and control breaches, and identify emerging risk themes.
• Engage with business and support functions to drive corrective actions.
• Strengthen governance and risk management across lending portfolios.

Skills

Risk assessment

Analytical thinking

Stakeholder management

Regulatory knowledge

Lending policies

Process improvement

Data analysis

Tools

Excel

Power BI

MIS

Job description

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.

Preferred candidate profile

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)

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