Website:
incred.com
Job details:
Job Title - Internal Audit (Credit Risk Models & Scorecard Based Lending)
Key Responsibilities:
- Conduct audits of credit scorecard models, internal rating model, credit underwriting, process audit and model governance processes
- Audit the end-to-end process of scorecard lifecycle, including model deployment, scorecard-based lending, credit scorecard.
- Assess data quality and integrity used in scorecards and scoring engines.
- Perform risk-based audits across lending products including personal loans, education loans, consumer finance, and secured lending.
- Ensure adherence to credit policies, risk appetite and RBI/NBFC guidelines
- Identify control gaps, communicate risks and monitor closure of audit.
- Prepare comprehensive audit reports with actionable insights for stakeholders
Required Skills & Competencies
- Strong understanding of Credit Risk Models, Scorecard Model frameworks, and lending analytics.
- Exposure to model governance, underwriting processes, and regulatory guidelines (RBI/NBFC norms).
- Experience in Internal Audit for lending or BFSI institutions (preferred).
Experience: 2–4 years
Location: Mumbai
Qualification: BTech/MTech or relevant degree, Chartered Accountant (preferably with Analytics experience) / MBA (Finance)
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