Risk Containment Unit (RCU) Manager

TKey Responsibilities

· Conduct pre- and post-disbursement verifications of customer details, documents, and business premises. Identify and investigate fraudulent loan applications or suspicious borrower behavior.

· Product is Two Wheeler Loan and Micro Loan Against Property.

· Perform field investigations to verify borrower credentials, references, and business operations.

· Review loan files, KYC documents, and financial statements to detect inconsistencies or potential fraud indicators.

· Collaborate with Credit, Operations, Collections, and Sales teams to resolve discrepancies.

· Monitor portfolio performance and risk trends to highlight potential threats.

· Prepare detailed investigation and risk assessment reports for management review.

· Maintain a centralized fraud database and track recurring patterns or repeat offenders.

· Coordinate with law enforcement authorities, legal, and compliance teams for confirmed fraud cases.

· Support fraud risk training and awareness programs across business teams.

· Ensure full compliance with RBI guidelines, company policy, and KYC/AML norms.

Qualifications

· Graduate in Commerce, Finance, or Business Administration (Master’s degree preferred).

· Certification in Fraud Risk Management / KYC / AML is an added advantage.

· 4 to 6 years of relevant experience