Assistant Manager - Internal Audit (Credit)

About the role

The Credit Auditor will be responsible for conducting end-to-end credit audits in a Small Finance Bank (SFB) environment, with a strong focus on credit appraisal, underwriting, disbursement, and post-disbursement monitoring processes. The role involves evaluating compliance with RBI guidelines, internal credit policies, and risk frameworks across retail, MSME, and digital lending portfolios.

What you will do

• Conduct credit audits across retail, MSME, and digital lending portfolios
• Review credit appraisal, underwriting, sanction, disbursement, and post-disbursement monitoring processes
• Assess adherence to RBI guidelines, internal credit policies, SOPs, and delegation of authority
• Evaluate asset quality, early warning signals, NPA identification, and monitoring mechanisms
• Review documentation, collateral management, and covenant compliance
• Identify credit risks, control gaps, and policy deviations; recommend corrective actions
• Assist in risk-based audit planning and execution of credit audit programs
• Prepare clear and concise audit observations and support audit report drafting
• Follow up on audit observations and track closure of corrective actions
• Coordinate with business, credit, and risk teams for audit discussions and clarifications.

What you will need

• Strong understanding of credit lifecycle and credit risk management
• Working knowledge of RBI regulations related to lending, asset classification, and provisioning
• Ability to analyze loan files, financial statements, and borrower risk profiles
• Exposure to digital lending processes, LOS/LMS workflows, and automated underwriting (preferred)
• Familiarity with audit methodologies, internal controls, and risk assessment
• Good communication skills with the ability to articulate audit findings clearly
• High attention to detail and analytical mindset

Experience & Qualifications

• Qualification: B.Com / M.Com / MBA / CA / CMA / CA Inter
• Experience: 1–2 years in credit, credit operations, or credit audit
• Prior experience in Small Finance Banks, NBFCs, or digital lending setups preferred
• Exposure to banking systems such as CBS, LOS, LMS will be an added advantage

Life at slice:

Life so good, you’d think we’re kidding:

• Competitive salaries. Period.
• An extensive medical insurance that looks out for our employees & their dependants. We’ll love you and take care of you, our promise.
• Flexible working hours. Just don’t call us at 3AM, we like our sleep schedule.
• Tailored vacation & leave policies so that you enjoy every important moment in your life.
• A reward system that celebrates hard work and milestones throughout the year. Expect a gift coming your way anytime you kill it here.
• Learning and upskilling opportunities. Seriously, not kidding.
• Good food, games, and a cool office to make you feel like home. An environment so good, you’ll forget the term “colleagues can’t be your friends”.
• We believe in equality. Period.

At slice, we are committed to building a diverse and talented workforce. We never discriminate on the basis of race, sex, religion, colour, national origin, gender, gender identity, sexual orientation, age, marital status, veteran status, medical condition, disability, or any other class or characteristic protected by the applicable law.

We consider all qualified job-seekers with criminal histories in a manner consistent with the applicable law. Additionally, we are committed to providing reasonable accommodations to qualified individuals with physical or mental disabilities in order to participate in the job application or interview process, perform essential job functions, and receive other benefits and privileges of employment.

Come join our crew!

About Us

slice

A new bank for a new India

slice’s purpose is to make the world better at using money and time, with a major focus on building the best consumer experience for your money. We’ve all felt how slow, confusing, and complicated banking can be. So, we’re reimagining it. We’re building every product from scratch to be fast, transparent, and feel good, because we believe that the best products transcend demographics, like how great music touches most of us.

Our cornerstone products and services: slice savings account, slice UPI credit card, slice UPI, and slice business are designed to be simple, rewarding, and completely in your control. At slice, you’ll get to build things you’d use yourself and shape the future of banking in India. We tailor our working experience with the belief that the present moment is the only real thing in life. And we have harmony in the present the most when we feel happy and successful together.

We’re backed by some of the world’s leading investors, including Tiger Global, Insight Partners, Advent International, Blume Ventures, and Gunosy Capital.