Senior Manager - Risk Containment Unit - BFSI

ROLE SUMMARY:

Responsible for the Risk Containment Unit(RCU) ensuring a risk free on boarding of the customers, investigation and any other ad-hoc activities keeping in line with the organization's goal gaining leadership in affordable finance space though prudent risk control methods.

ROLE EXPECTATIONSS:

- Responsible for managing end to end RCU related activities starting from initiation to closure within desired TAT & expected quality

- Investigation including verification of the documents, genuineness of KYC documents, profile check of the customers, identify lapses if any in sanction/disbursal process

- Verify the actual property owner's identity with loan records by conducting checks in regards to property ownership chain from the concerned Sub-registrar authority and district authority i.e. DDA/GDA/HUDA/concerned builder and seek legal opinion to check the genuineness of sale deeds registered

- Collection of documentary evidence for the investigation conducted and recommendation for action initiation

- Customer visits to be initiated for Pre & Post Disbursement customers and OD customers

- Ensure timely RCU checks for the new customers through various methods i.e. independent checks, with the help of samplers, empaneled RCU agencies etc.

- Follow ups with agencies for closure of reports Query resolution and provide guidance to branch / sampler / credit manager's / agency executives

- Analyze/monitor trends/developments in fraud prevention areas and ensure team awareness and use of better fraud prevention policies

- Empanelment of RCU agencies to assist in completing the RCU activities of the company.

- Conducting various Agency audits including Collection Agency, FI Agency, RCU Agency, etc.

- Suggest preventive measures by benchmarking process with peer banks/ institutes

- Handling Hunter matched cases, conduct field visits, police station visits, assist in recoveries, etc.

- Managing MIS, Billing, internal & external training and hind-sighting activities

KEY SKILLS:

- At least 4-5 years of experience in Risk containment activities and Investigations in mortgage domain

- Should have knowledge of RCU triggers & good industry network

- Proficient with MS-Office and other banking related systems

- Excellent stakeholder and conflict management skills

- Excellent Communication skills

- Willing to travel for investigations/ branch audits etc.