Internal Audit: Head - CPC RAC Audits (Retail Business)

The Head - CPC (RAC) Audits (Retail Credit) will be responsible forendtoend ownership of audits of Retail Credit Processing Centres (CPCs)across the Bank.

This is aleadership roleinvolving audit strategy, execution oversight, risk assessment, stakeholder management, andpresentation of audit outcomes to senior management. The position plays a critical role in strengtheningrisk governance, regulatory compliance, and process integrityacross the Bank's retail credit ecosystem.

Audit Strategy & Governance

1. Own and drive theaudit strategy and annual audit planfor Retail CPC (RAC) audits across all geographies.
2. Ensure audit coverage aligns withretail credit profile, regulatory expectations, and internal policies.

Execution Oversight & Quality Assurance

1. Provide leadership and oversight to the CPC audit team to ensuretimely, consistent, and highquality audit execution.
2. Review and challenge audit observations to ensurerisk relevance, regulatory defensibility, and clarity of root causes.
3. Ensure comprehensive coverage ofretail lending processes
4. Risk Identification & Process Improvement
5. Identifysystemic and emerging risksacross retail credit processing centres and highlight recurring control gaps.
6. Recommendcorrective and preventive actionsto strengthen controls, reduce operational risk, and enhance process efficiency.

Reporting & Senior Management Presentation

1. Review and approveaudit reportswith clear articulation of findings, risks, and actionable recommendations.
2. Present audit outcomes, key risk themes, and remediation status tosenior management, functional heads, and internal committees, as required.
3. Provide periodicmanagement updateson audit coverage, highrisk observations, regulatory issues, and closure progress.

Stakeholder & Regulatory Interface

1. Support internal and regulatory reviews relating toCPCs
2. Ensure effective followup and timely closure of audit observations within agreed timelines.

People Leadership & Capability Building

1. Lead, mentor, and develop the CPC audit team with focus onretail credit knowledge, audit judgment, and risk mindset.
2. Drivetraining, knowledge sharing, and bestpractice adoptionwithin the team on retail lending regulations and audit expectation

Bachelor's / Master's degree in Finance, Accounting, Business Administration, or a related discipline.

Professional qualification such as CA / CWA / equivalent is strongly preferred.

Role Proficiencies:

• Strong analytical and risk assessment skills
• Leadership and people management capability
• Clear, concisemanagementlevel communication and presentation skills
• Sound understanding of retail credit products and lifecycle
• High standards of audit quality, independence, and professional judgment
• Proficiency inMS Excel, Word, PowerPoint, and audit systems