About The Organization:
A leading professional services firm and part of a top global accounting network, the organization has over 35 years of experience supporting international businesses entering and operating in India. With a strong presence across major cities and a large team of multidisciplinary professionals, it offers integrated services spanning assurance, taxation, advisory, digital transformation, and corporate strategy. Known for its reliability, transparency, and adherence to global best practices, the firm partners with both SMEs and Fortune 500 companies to deliver end-to-end business solutions and regulatory support.
About the Role
We are looking for a detail-oriented professional to support loan file review, credit monitoring, and forensic assessment of lending portfolios for NBFC clients. The role involves reviewing end-to-end credit processes, identifying control gaps, detecting potential fraud indicators, and assessing compliance with internal credit policies and regulatory requirements.
Key Responsibilities
Loan File Review
- Review retail, SME, LAP, housing finance, vehicle finance, and corporate loan files.
- Verify completeness and accuracy of credit documentation.
- Assess adherence to credit policy, delegation of authority, and approval matrix.
- Validate KYC, AML, income assessment, bureau checks, collateral documents, and legal/technical reports.
- Review sanction conditions and post-disbursement compliance.
- Identify documentation deficiencies and operational lapses.
Credit Monitoring
- Perform portfolio reviews to identify emerging credit risks.
- Monitor loan performance and early warning signals (EWS).
- Review disbursement controls and end-use verification.
- Analyse restructuring, overdue accounts, and delinquency trends.
- Support monitoring of high-value and stressed accounts.
Forensic Review
- Identify fraud indicators and suspicious lending patterns.
- Detect document manipulation, income inflation, identity fraud, and related-party exposures.
- Review deviations from credit policy and potential override controls.
- Conduct forensic analysis of loan transactions and supporting documents.
- Assist in root cause analysis for suspected fraud cases.
Reporting
- Prepare detailed loan review reports.
- Document observations with supporting evidence.
- Recommend corrective actions and control improvements.
- Present findings to senior management and clients.
Required Qualification and Skills
Educational Qualification
- CA/CMA (Semi Qualified), MBA or equivalent.
- B.Com/M.Com graduates with relevant experience may also be considered.
Preferred Experience
- 1–4 years in NBFC Credit Operations, Internal Audit, Risk Advisory, Credit Monitoring, Forensic Audit, Loan Review, Banking Operations, or Due Diligence.
- Experience with consulting firms or Big 4 firms is preferred.
Technical Skills
- Strong understanding of NBFC lending operations.
- Knowledge of retail and corporate credit underwriting.
- Financial statement analysis and ratio analysis.
- Fraud detection and forensic review techniques.
- Risk assessment and documentation review.
Analytical Skills
- Excellent analytical and problem-solving ability.
- Strong attention to detail.
- Ability to identify anomalies and red flags.
- Report writing and presentation skills.
Preferred Technical Knowledge
- RBI regulations applicable to NBFCs.
- KYC/AML guidelines.
- Loan Management Systems (LMS).
Desired Competencies
- High ethical standards and integrity.
- Investigative mindset.
- Strong communication and documentation skills.
- Ability to work under tight timelines.
- Client-facing confidence and teamwork.
Preference
- Immediate joiners will be preferred.
- Candidates with prior experience in forensic audits, credit risk reviews, loan file audits, or internal audits of NBFCs and banks will have a distinct advantage
As per Industry
