Audit focus
Lending operations audits for fintech, without the theater
This page is our thematic map — the control areas we teach, the evidence we expect, and where most reviews stall.
What we mean by lending ops audit
We look at how a loan moves from application to payoff or write-off, and whether the controls claimed in policy exist in the systems that staff actually use. That includes underwriting overrides, disbursement timing, repayment allocation, hardship programs, and collection agency handoffs.
Marketing claims and product roadmap slides are out of scope unless they contradict operational reality in a way that creates compliance or investor risk.
Control points we practice
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Origination integrity
Identity checks, income verification trails, and the override path when automated decisions are reversed.
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Servicing exceptions
Fee waivers, payment reallocation, and who can alter schedules without dual control.
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Collections and recoveries
Vendor instructions, consent logs, and evidence that hardship offers match policy.
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Reporting to governance
How operational KPIs become board-ready findings with owners and dates — not vanity dashboards.
Where teams usually stall
Missing timestamps on overrides. Sample selections that only pull “clean” accounts. Findings that name a system instead of a control owner. Softwareserviceshub courses force those gaps into the open early so your live review spends less time rediscovering them.