Hinduja Housing Finance / Zonal RCU / Mumbai

Role Overview:

Responsible for managing Risk Containment Unit (RCU) operations at the zonal level, ensuring effective fraud prevention, investigation, verification, and risk mitigation across housing finance and related lending portfolios.

Key Responsibilities:

• Manage Zonal RCU operations covering housing finance and mortgage lending cases.
• Conduct pre-disbursement and post-disbursement verification of loan applications.
• Review and identify fraudulent applications, document discrepancies, policy deviations, and suspicious transactions.
• Oversee customer, residence, office/business, property, and document verification through internal and external investigation teams.
• Analyze RCU triggers, fraud indicators, investigation findings, and risk patterns to identify potential threats.
• Lead and monitor the RCU team and investigation agencies across the assigned zone.
• Coordinate closely with Sales, Credit, Operations, Collections, Legal, Compliance, and Risk teams for resolution of high-risk cases.
• Conduct investigations into suspected fraud, misrepresentation, identity issues, income manipulation, and document forgery.
• Prepare and review RCU/MIS reports, investigation reports, fraud alerts, and risk dashboards for senior management.
• Recommend appropriate risk mitigation measures based on investigation findings.
• Ensure adherence to company policies, RCU processes, audit requirements, and regulatory guidelines.
• Identify process gaps and recommend preventive controls and improvements to minimize fraud and operational risk.