Zonal Head- RCU

Role Overview

Head the Risk Containment Unit (RCU) for the South Zone to mitigate fraud across retail and MSME lending. You will lead fraud detection, prevention, and investigation frameworks, managing external vendors and an internal teams across South to ensure zero-fraud onboarding.

Job location: Chennai/Bengaluru

Key Responsibilities

• Fraud Prevention & Detection: Oversee pre-disbursement trigger checks, profile verifications, and document sampling to catch fraud early.
• Investigation & Sampling: Lead deep-dive investigations into suspected fraud, skipped cases, and early delinquencies.
• Vendor Management: Empanel, manage, and audit third-party verification agencies across the zone to ensure strict SLAs and quality reports.
• Team Leadership: Manage a regional team across South.
• Market Intelligence: Identify local fraud trends, negative profiles, and high-risk geographies to update the central risk policy.

Requirements

• Background: Graduate/Post-Graduate with proven experience in RCU / Fraud Control within Retail or MSME lending.
• Product Knowledge: Strong expertise in catching fraud across both high-volume digital products and asset-backed loans.
• Regional Experience: Extensive experience managing the South Indian market is mandatory. Must possess a strong professional network and deep understanding of the local fraud landscapes specific to the region.