Tejas Kulkarni
Senior Audit Manager @Gic Housing Finance Ltd Gichfl
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WORK HISTORY
Senior Audit Manager @Gic Housing Finance Ltd Gichfl
Mumbai, IN
Leading centralized Pan-India Credit Audit of HL & LAP files covering end-to-end lifecycle including sourcing, login, appraisal, sanction, documentation, disbursement and post-disbursement compliance review.• Conducting detailed scrutiny of credit appraisal notes including income calculation (Salary based review, ITRanalysis, bank statement analysis), FOIR assessment, eligibility computation and policy deviation tracking.• Verification of state-specific property documents such as 7/12 extracts, Khata, Patta, Khatiyan, Khasra, JDA/CIDCO approvals, RERA validation and IGR record authentication.• Ensuring timely mortgage creation, MOD registration and charge registration with CERSAI within regulatory timelines.• Reviewing legal & technical clearance reports, property valuation methodology and risk remarks before disbursement validation.• Validating sanction conditions compliance including insurance tagging, processing fee recovery, lien marking and statutory documentation.• Drafting high-quality audit observations with risk grading and coordinating with Credit Risk, Operations, Legal and Business Teams for time-bound closure.• Participating in fraud validation reviews, property visit validation, audit checklist enhancement and periodic audit training sessions.• Preparation and presentation of comprehensive audit reports to Audit Head & Managing Director including trend analysis and risk heat maps.• Tracking audit observations through MIS dashboards and ensuring corrective action implementation across branches.
EDUCATION
Birla College of Arts Science & Commerce Birla College Road Kalyan Dist Thane 421 304
Bachelor of Commerce - BCom, Advance Accounting
ABOUT TEJAS KULKARNI
Highly reliable and result-oriented Audit Manager with 11+ years of experience in Process Audit, Credit Audit, Risk based Internal Audit, and Credit Risk within the banking and financial services sector. Skilled in evaluating credit proposals, reviewing loan documentation, and assessing risk exposures to ensure strong internal controls and regulatory compliance. Experienced in conducting end-to-end audit assignments, identifying process gaps, and recommending effective risk mitigation strategies. Adept at analyzing complex credit information and communicating audit observations clearly to both credit & operations stakeholders. A proactive professional capable of working independently or collaboratively with cross-functional banking teams to strengthen governance, compliance, and risk management frameworks.
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