Retail Asset Auditor [26 / 10 / 2025]

Key Responsibilities :

• Undertake audits of retail asset products and lending operations as per the approved risk-based audit plan, ensuring comprehensive coverage of processes and controls.
• Perform independent assessment of risks, evaluate internal controls, and conduct detailed financial and operational analyses to identify process gaps and control weaknesses.
• Review pre- and post-disbursement documentation, credit underwriting practices, and loan monitoring mechanisms for compliance with internal and regulatory requirements.
• Evaluate the effectiveness of Early Warning Signal (EWS) identification, tracking, and escalation mechanisms across retail lending operations.
• Identify deficiencies in risk evaluation, monitoring, and control processes; recommend practical and time-bound corrective actions.
• Ensure adherence to internal policies, RBI / NHB guidelines, Companies Act provisions, and other applicable regulatory frameworks.
• Prepare audit planning documents (Business Understanding Note, Audit Checklist) ensuring adequate scope and depth of coverage.
• Execute end-to-end audits independently — from fieldwork to reporting — and ensure timely closure of audit observations in the system.
• Support the preparation of audit reports, validate findings with business teams, and drive closure discussions with auditees.
• Undertake special reviews or investigations as directed by the Audit Committee, Senior Management, or Regulators.
• Guide and review work performed by new joiners or junior members in the retail audit team, ensuring quality and consistency in audit execution.
• Contribute to strengthening governance, risk management, and control culture within the retail lending business.

Qualification : Chartered Accountant (Mandatory)

Experience :

Piramal is an equal opportunity employer. Qualified applicants will be considered without regard to age, gender, marital status, sexual orientation, gender identity or expression, disability, or religion.