Regional Manager-RCU

Interested candidates can share their CV to veerabadran.r@hindujahousingfinance.com

General Job Responsibility

• Fraud Identification & Control (Pre and post approval)
• Verify loan documents through empaneled agencies to curtail fraud at entry level.
• Ensure sampling effectiveness in order to control application fraud.
• Ensure background / profile checks on profile of customer / various agencies through market intelligence/feedback.
• Handle fraud detection and investigation by empaneling good agencies with the relevant experience and expertise to handle such cases, ensuring proper SLA's with the agencies.
• Prepare a corrective action plan based on the intensity of fraud penalizing the customer / channel/ associate involved in committing the fraud.
• Ensure corrective action and set polices to act as deterrents recovering the loss to the organization.
• Logically conclude cases with modus operandi & highlight the gaps proposing corrective measures & feedback to business team.
• Fraud Prevention & Control (On going basis - post approval). Ensure pre appointment reference and profile checks are conducted on all staff and executives.
• Follow up of reports as per specified TAT from the vendors.

Principal Accountabilities Strategic

• Ensure location wise & RCU agency audits as per SOP including cross verifications & cross location audits.
• Oversee regular audits at the agencies (Sales/Processing/Verification/Valuation) to check if the processes laid down are followed conducting random cross checks on reports submitted by the verification agencies for authenticity of information submitted Other Initiatives
• Ensure agency payouts & other related RCU costs are kept within budgeted provisions
• Ensure standardized RCU processes are followed across various locations in terms of basic sampling and reporting thereof.
• Work closely with the internal team/external regulatory bodies to execute appropriate action against fraudulent individuals and bring to the conclusion.
• Conduct field visits as per requirement
• Agency management and reporting in TAT

Person ProfileEducational Qualification

• MBA/PGDM.

• Experience

• 11-15 yrs experience in RCU division.
• Preference will be given to Banking & NBFC industry candidates OR Housing Finance Industry

Specific Skills

• A High Level of Professionalism.
• A Passion for Building and Growing Relationships
• The Ability to Gather Feedback and Provide Innovative Insight
• Highly Ethical
• Decision Making Skills
• Goal orientated
• Operates in a fast-paced office environment
• Willing to put in overtime if need be
• Ability to motivate and self-motivate
• Highly responsible and dedicated
• Recruitment and training skills