Tata Capital—Manager - ICQ - Gold Loan - Chennai - Kuber - (M1-M3)

Job description

Description: 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