Lead, Business Auditor

About the Role:At RYT Bank, we are committed to building a trusted, tech-driven financial institution that upholds the highest standards of governance, risk management, and compliance. As a Lead, Business Auditor, you will play a critical role in evaluating the effectiveness of internal controls, identifying potential risks, and ensuring business operations align with regulatory and internal policy requirements. Your insights will help drive accountability, operational excellence, and continuous improvement across the organization.What you'll be doing:Perform annual risk assessment to support the development of the risk-based annual internal audit plan and define audit scope on business areas as well as across operational, financial, compliance, credit and other related risks Manage a team of business auditors to identify requirements and ensure technical knowledge and experience are applied appropriately to business audit reviews in the design and execution of audit planning, fieldwork, reporting and ongoing issues tracking (post report issuance) Lead business audit focus through applying risk analytical skills, use of data analytics and professional judgement to identify critical areas to provide internal stakeholders with a quality assessment focusing on key business areas from an end-to-end perspective Perform continuous risk assessment to monitor and assess any material changes in the risk profile of the digital bank on an ongoing basis Ensure that business audits are completed in an effective, efficient and timely manner in accordance with established standards, industry best practices and relevant regulatory requirements Ensure that IA team members have a full and complete understanding of the nature and scope of the relevant risks involved by providing guidance and support throughout each audit Ensure proper performance and quality of documentation during the audits. Provide support in communication with Management, Audit Committee, External Auditors and Regulators, Consultants and other external parties regarding audit related matters Build trust and credibility with stakeholders through objective and sustainable engagements and where appropriate, provide constructive challenge to improve or enhance internal controls Participate in ad-hoc projects as assigned What You'll Bring:Degree in Accountancy, Business or equivalent, preferably with professional certification (e.g., CA, CPA, CIA, CISA) qualification Minimum 12 years of relevant professional banking audit experience from financial institutions or Big 4 external audit firms with strong demonstrated core business audit skills and knowledge required Must possess the knowledge, skills and other competencies to examine all areas in which the financial institution operates Good knowledge of BNM banking regulations with relevant audit exposure and experience in retail banking products, treasury activities, AML/CFT requirements, corporate governance, financial and non-financial risk management and regulatory compliance areas Understanding of technology risks and controls will be an added advantage Sound knowledge of internal control concepts and auditing techniques High level of integrity, drive and sense of urgency Able to lead, guide and motivate team to meet corporate goals and objectives Has strong interpersonal skills and the ability to collaborate and influence both internal and external stakeholders Proven ability to work cross functionally and influence organisation to accomplish goals Team player, focused, passionate, with ability to inspire confidence in employees and senior management Highly motivated, with willingness and ability to adapt to new circumstances, uncertainties, information and challenges in a growing start-up Strong ability to work both independently with sole responsibility and as part of a team to deliver quality work product in a fast-paced environment A big-picture thinker who is detail-oriented with structured thought process Strong analytical and report writing skills. Mature and able to communicate effectively, both verbal and in writing Experience in the use of data analytics and visualization tools such as ACL, IDEA, PowerBI, Tableau will be an added advantage Benefits:Play a pivotal role in shaping credit risk strategies at a fast-growing digital bank.Work with cutting-edge tools and data to drive real business impact.Gain exposure to innovative risk management practices in digital lending.Competitive compensation and opportunities for professional growth.What We Value:Revolutionary in our thinkingInnovative in our products, services, and the way we workGenuine in our intentionsHonourable in our actionsTenacious in overcoming challenges