Perform full audit cycle including across all company units (credit, collections, finance, HR, operations).  Evaluate the effectiveness of internal controls, policies, and procedures and recommend improvements.  Review loan portfolios, credit approvals, and underwriting processes to ensure compliance with company policies and regulatory standards. Assess risks related to consumer finance activities (credit risk, fraud, operational risk). Prepare detailed audit reports and present findings to senior management and audit committee.  Follow up on audit findings to ensure proper implementation of corrective actions.  Support external audits and regulatory inspections (e.g., FRA).