The Quality Controller (QC) is responsible for ensuring that all branch operations, customer documentation, loan processes, collections, and field activities comply with the Company's Standard Operating Procedures (SOPs), regulatory requirements, and internal policies. The role focuses on identifying operational gaps, preventing fraud, maintaining data accuracy, and improving overall service quality across branches.
Key Responsibilities1. Branch Quality Audits
- Conduct regular quality audits of assigned branches.
- Verify compliance with Company SOPs, policies, and operational guidelines.
- Identify process deviations, operational risks, and control weaknesses.
- Submit detailed audit findings and recommendations to management.
2. Loan Documentation Verification
- Verify loan applications and KYC documents for completeness and accuracy.
- Ensure all mandatory approvals and supporting documents are available.
- Check compliance with RBI and Company guidelines.
- Identify forged, incomplete, or manipulated documents.
3. Collection Verification
- Verify Daily Collection Registers (DCR), cashbooks, customer receipts, and system entries.
- Conduct reconciliation of customer collections with system records.
- Identify collection shortages, excess cash, delayed remittances, or misappropriation.
- Report discrepancies immediately to management.
4. Customer Verification
- Conduct field visits and telephonic verification of customers.
- Verify loan utilization.
- Confirm repayment history and outstanding balances.
- Obtain customer feedback regarding staff conduct and service quality.
5. Fraud Detection & Investigation
- Identify suspicious transactions and operational irregularities.
- Investigate complaints relating to fraud, cash misappropriation, fake customers, and document manipulation.
- Collect documentary evidence and prepare investigation reports.
- Coordinate with HR, Legal, and Operations during disciplinary actions.
6. Compliance Monitoring
- Ensure branches comply with:
- Company SOPs
- RBI guidelines
- Internal control procedures
- AML/KYC requirements
- Customer protection principles
7. Data Quality Assurance
- Verify customer master data.
- Ensure system records match physical records.
- Review loan disbursement and collection entries.
- Identify duplicate or incorrect records.
8. Staff Performance & Process Evaluation
- Observe field operations of Credit Officers and Field Officers.
- Verify adherence to collection procedures.
- Identify training needs.
- Recommend corrective actions.
9. Reporting
- Prepare daily, weekly, and monthly QC reports.
- Submit branch-wise compliance reports.
- Maintain audit evidence and supporting documents.
- Escalate critical findings immediately.
10. Corrective & Preventive Actions
- Monitor closure of audit observations.
- Follow up with branches for corrective actions.
- Recommend process improvements to reduce operational risk.
Pay: Up to ₹23,000.00 per month
Benefits:
- Cell phone reimbursement
- Health insurance
- Internet reimbursement
- Paid time off
Work Location: In person
