Area RCU Manager - SME HL

Role & responsibilities

• Conduct

  Risk and Fraud Control (RFC)

  checks across customer onboarding and loan approval processes.
• Perform

  RCU Sampling & Screening of Files

  for pre-sanction and post-sanction cases.
• Execute

  Field Investigations

  for customer verification including profile, residence, office, and mortgage property.
• Carry out

  TVR (Tele-verification Reports)

  with customers to validate application details.
• Perform

  PDAV (Post Disbursement Asset Verification)

  ,

  PDD

  , and

  FI Cross Check

  activities to ensure compliance.
• Handle

  SME Loan Against Property (LAP), and Home Loan (HL)

  customer verifications.
• Conduct

  Trigger-Based Document Verification

  and thorough

  Customer Profile Checks

  .
• Prepare and maintain

  MIS reports

  , support

  Branch Audits

  ,

  Vendor Audits

  (RCU Vendors, DSAs, Technical Vendors).
• Review and process

  Vendor Bills

  in compliance with company policy.
• Prepare

  Fraud Investigation Reports

  for internal escalation and closure.
• Investigate and verify

  Settlement Cases

  to prevent and detect potential fraud.
• Handle

  Hunter Triggers

  for lead validation and investigation.

Preferred candidate profile

• Graduate / Postgraduate in any discipline (preferably in Finance / Risk / Commerce).
• 25 years of relevant experience in Risk Control Unit (RCU), Field Verification, or Credit Risk in NBFCs/Banks.
• Strong understanding of loan processes, fraud detection techniques, and field investigation.
• Proficient in using MS Excel for MIS reporting.
• Excellent communication and coordination skills with internal teams and external vendors.
• Willingness to travel locally for field investigations.