Lead - Risk Containment Unit - Banking/Financial Services

:

• Design and set up the end-to-end RCU process for gold loans - audit framework, checklists, escalation matrix, and SOPs from scratch.
• Define risk-based audit coverage and frequency across branches based on volume, ticket size, and risk profile.
• Lead RCU field officers.
• Conduct surprise branch audits - vault stock reconciliation, gold-in-hand vs. system records.
• Investigate fraud cases including branch-level pilferage, gold swap/substitution, fake documentation, top-up loan misuse, and auction irregularities.
• Ensure adherence to internal LTV caps and RBI gold loan regulations (per capita limits, purity norms, auction procedures).
• Build fraud detection triggers and analytics in coordination with Risk/Analytics teams.
• Track fraud/loss trends via MIS and flag high-risk branches for enhanced monitoring.
• Establish reporting cadence and governance structure for RCU findings to senior management.
• Coordinate with Internal Audit, Vigilance, and Operations teams on escalated cases.
• Support integrity of the gold auction process.
• Conduct fraud-awareness training for branch and operations teams.
• Continuously review and refine RCU processes based on emerging fraud patterns.