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.

Educational Qualification

• Graduate (Commerce / Finance preferred)
• MBA / PGDM / CA preferred