Job Description

Key Responsibilities
Internal Control & Audit Management
. Conduct periodic branch audits and operational reviews across the region.
. Ensure adherence to company policies, SOPs, risk management guidelines, and regulatory requirements.
. Verify controls related to gold appraisal, loan sanctioning, disbursement, renewal, custody, and auction processes.
. Identify operational risks, process deviations, and control weaknesses.
. Recommend corrective and preventive actions for audit observations.
Quality Assurance & Process Monitoring
. Develop and implement quality assurance frameworks for branch operations.
. Perform quality checks on customer documentation, loan files, KYC, and transaction records.
. Monitor process compliance and service quality across branches.
. Track key quality metrics and prepare regional quality scorecards.
. Conduct root cause analysis for recurring quality issues and process failures.
Gold Loan Operations Review
. Validate adherence to gold valuation norms and appraisal standards.
. Review pledge management, vault security, inventory controls, and documentation.
. Monitor auction processes and ensure compliance with approved procedures.
. Ensure proper maintenance of branch records and customer files.
Regulatory & Compliance Monitoring
. Ensure compliance with RBI regulations, AML guidelines, KYC norms, and internal policies.
. Monitor exceptions and regulatory violations.
. Coordinate with Compliance, Risk, Vigilance, and Audit teams for corrective actions.
. Support regulatory inspections and internal/external audits.
Investigation & Risk Management
. Conduct investigations into frauds, operational lapses, customer complaints, and policy violations.
. Assess risk exposure and recommend mitigation measures.
. Monitor high-risk transactions and exception reporting.
Training & Capability Building
. Conduct branch-level training on internal controls, compliance requirements, and operational best practices.
. Educate branch staff on process updates and regulatory changes.
. Support operational excellence initiatives across the region.
Stakeholder Management
. Work closely with Regional Business Heads, Area Managers, Branch Managers, Risk, Operations, Compliance, and Internal Audit teams.
. Present audit findings, risk trends, and quality performance reports to management.
. Drive closure of audit observations within agreed timelines.