Risk Review Audits
We conduct independent Risk Review and Branch Process Audits for Banks, NBFCs, and channel partners in the Microfinance industry, supported by secure digital audit platforms and analytics-driven reporting. Our approach provides structured insight into operational risk, credit risk, process adherence, customer-level practices, and data integrity — helping financial institutions strengthen governance, reduce exposure risk, and ensure regulatory alignment.
Our Risk Review Audit coverage includes:
- Sourcing & Borrower Selection, Evaluation of eligibility checks, due diligence practices, field verification quality, and adherence to defined sourcing policies.
- Loan Appraisal & Approval , Independent review of documentation completeness, deviation approvals, income/repayment assessment, and decision controls.
- Disbursement & End-Use Monitoring Verification of disbursement controls, account-trail validation, customer acknowledgement, and monitoring of loan end-use to prevent misuse.
- Recovery & Collection Practices, Assessment of collection governance, field-execution discipline, agency/DSA controls, customer-interaction standards, and escalation practices.
- Regulatory & Process Compliance, Testing adherence to RBI guidelines, internal policies, microfinance-sector norms, and fair-practices code.
- MIS Accuracy & Data Integrity, Review of data quality, reporting accuracy, reconciliation controls, and system-data consistency to ensure reliable decision-making.
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