Manager - ICQ - Gold Loan - Delhi - Lajpat Nagar - (M1-M3)

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