National Manager - ICQ - Gold Loan - Mumbai - Lodha (I-Think Techno Campus) - 2nd Floor - (M7-M9)

Role Purpose
To lead the Internal Control & Quality (ICQ) / Hindsighting function for the Gold Loan business by establishing robust process controls, risk monitoring frameworks, audit governance, and analytics-driven insights, ensuring high-quality portfolio performance, regulatory compliance, and continuous process improvement.

Key Responsibilities
1. Hindsighting Framework & Control Design
•    Design and implement Hindsighting frameworks to retrospectively assess loan quality, underwriting accuracy, and process adherence
•    Develop scoring models, validation frameworks, and sampling methodologies to identify deviations and systemic gaps
•    Institutionalize structured reviews to detect early warning signals across the portfolio
2. Process Quality & Internal Control Governance
•    Establish and drive process quality standards across the Gold Loan lifecycle (sourcing → underwriting → disbursement → servicing)
•    Identify process gaps and implement corrective actions to strengthen operational controls
•    Standardize SOPs, checklists, and control frameworks across branches/zones
3. Risk Monitoring & Fraud Prevention
•    Build and manage risk monitoring frameworks to detect fraud, deviations, and operational deficiencies
•    Identify patterns in process failures, underwriting lapses, and fraud signals and drive preventive measures
•    Collaborate with Risk, Credit, and Vigilance teams to strengthen control mechanisms
4. Audit, Compliance & Regulatory Oversight
•    Partner with Internal Audit, Compliance, and Regulatory teams to ensure adherence to RBI guidelines and internal policies
•    Track audit observations, ensure closure, and strengthen controls to prevent recurrence
•    Represent ICQ/Hindsighting in audit forums and review committees
5. Analytics, Insight Generation & Reporting
•    Develop analytics-driven dashboards and MIS to track process quality, deviation trends, and portfolio risk
•    Analyze error trends, early delinquency patterns, process inefficiencies, and customer behaviour
•    Provide actionable insights to business, credit, and product teams for decision-making
6. Process Improvement & Continuous Enhancement
•    Drive continuous improvement initiatives to reduce errors, improve TAT, and enhance customer experience
•    Recommend and implement process changes based on findings from hindsighting, audits, and analytics
•    Lead cross-functional projects for process transformation and optimization
7. Product & Policy Feedback Loop
•    Work closely with Product and Policy teams to refine product guidelines, underwriting norms, and operational processes
•    Provide structured feedback on LTV norms, onboarding processes, and system workflows
•    Enable alignment between product design and ground-level execution
8. Cross-Functional Stakeholder Management
•    Collaborate with Business, Credit, Risk, Operations, Technology, Audit, and Compliance teams
•    Act as a central authority for process validation and control effectiveness
•    Present insights, risks, and recommendations to senior leadership forums
9. Team Leadership & Capability Building
•    Build and lead a high-performing ICQ/Hindsighting team
•    Drive capability development through training, knowledge sharing, and exposure to product/process understanding
•    Enable teams to conduct structured reviews, audits, and analytics

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