The Internal Auditor will be responsible for performing the risk-based internal audit reviews as per the approved IA plan; to assess the effectiveness of the Company’s governance, risk & compliance management, and control processes. Governance & frame work: Comply with the Internal Audit Charter which defines the purpose, authority, and responsibility of the Internal Audit Function. Assist in annual/periodic review and amendments of the Charter.Adherence to the IA Strategy and IA Policy & Procedures Manual. Assist in annual/periodic review and amendments of the IA Manual - in-line with the IIA Standards, Regulatory requirements, and best practices.Full compliance with the IA methodologies. Formulate assessments/surveys, and approaches to ensure comprehensive coverage of audit objectives and automate audit work-flows.Assist the HIA to provide an independent and objective assurance to the Board / ACC / EXM as the Third Line of Defence of the Company.Coordinate the activities for automation of the IA function and contribute towards the Digital Transformation journey of the Company.Internal Audit Planning: Develop/amend the Audit Universe, conduct the high-level risk assessment on a periodic basis (once every 12 months) across the Company, risk-rank the Audit Universe and ensure the audit universe stays up to date.Draft an IA plan using the results of the high-level risk assessment on the audit universe, align audit focus with strategic business objectives and key risk areas; and submit the draft IA plan to the HIA for review.Identify, assess, and prioritize organizational risks and assess for any amendments to the audit plans on a timely manner.Assist HIA to prepare plans for adhoc projects / strategic initiatives, as required by the Board/ACC/EXM.Internal Audit Execution: Perform the IA activities as per the approved IA plan in a timely basis and any deviations from the approved IA plan are timely reported to HIA.Independently plan, scope, manage audit engagements and ensure engagements are completed within established timelines and budgets.Perform Engagement Planning including initial research, drafting the project letters, information requirement lists, process understandings memos/minutes, Audit Work- program as per the IA Policy, and submit for review to HIA.Conduct internal audits of operational, financial, and compliance processes to assess the adequacy and effectiveness of internal controls as per the Audit Work-program. Evaluate the reliability and integrity of financial and operational information and the means used to identify, measure, classify, and report such information.Upon assignment by HIA, handle high-risk, high-impact audit assignments with minimal supervision.Effective utilization of the Audit Management system (TeamMate) & other IA resources and updates of audit progress are completed in a timely manner.Utilize data analytics tools (like TeamMate analytics) to extract insights and patterns from large datasets. Identify anomalies, irregularities, and potential fraud through data analysis. Such exceptions to be validated with supporting evidence and formulate the Findings & Recommendations for improvement.Demonstrate familiarity with IT systems and participate in ITGC, cybersecurity, and digital transformation audits.Perform the internal audit processes and activities in-line with the global internal audit standards, CBUAE regulations, and relevant requirements:o CB-UAE : Finance Company Regulationso CB-UAE : Consumer Protection Regulations and Consumer Protection Standardso Policies and Procedures of the Companyo All applicable laws, regulations, decisions, instructions, directives, circulars, correspondences, and policiesIdentify internal control gaps, note down all observations in the Findings List, along with proposed recommendations / solutions for improvement, and submit for review.Validate the findings with respective process owners, and obtain management responses with action plan & timeline.Prepare and document/Review the Audit Work-papers and supporting evidences as per the IA policy and IIA standards.Monitor Audit Plan v/s. Actuals. Timely escalate matters to the HIA which impact the audit progress.Reporting: Draft/Review high quality Internal Audit reports with clear and full details as required by the IA policy including risk implications, actionable recommendations and submit for HIA review. Ensure written reports are timely submitted to the respective process owner for each IA engagement.Present audit findings to process owners, management, and when required, to the key stakeholders.Assist HIA in preparing the Executive Summary of the results of IA activity to the EXM and present to the ACC on a quarterly basis.Assist HIA for additional reporting, if any, as required by the laws/regulations/notices/circulars issued by the CB-UAE or any other regulatory authority which are applicable to RF or adhoc projects reporting.Ensure full accountability and uphold the highest standards of factual accuracy and quality in Internal Audit reports and supporting workpapers, consistently delivering high- quality and reliable audit outputs.Monitoring and Follow up:Demonstrate proactive monitoring of the previous audit findings with the process owners; validate the supporting evidences to assess the implementation progress, document IA validation notes in TM, and ensure timely closure of the action-points prior to the due dates.Review & submit the IA follow-up tracker along with supporting evidence of implementation - for review to HIA on a monthly basis.Assist HIA in validation review of CBUAE findings in TeamMate, timely closure and ensure precise and comprehensive documentary evidence is retained for subsequent review by CB examination / IA team.Quality Management: Ensure full compliance with the IA Policy, IA Methodologies (including QAIP), Global IA standards and other IIA requirements. Ensure there are no major findings on internal & external quality assessment of the IA Function.Stay updated on industry trends, emerging risks, best practices, and regulatory changes that impact the organization & IA function.Stay updated with applicable laws, CBUAE regulations, and ensure audit coverage provides adequate insights over regulatory compliance.Comply to the applicable policy and procedures of the Company.Demonstrate integrity, professional skepticism and professional judgement and full compliance with the Ethics & Professionalism requirements. Ensure confidential & sensitive information obtained as part of IA activities are safeguarded and not disclosed.