RCU Executive

Job highlights

• PF, Laptop, Health Insurance, ESI (ESIC)Job DescriptionDocument VerificationVerify original KYC and loan documents.Check documents for authenticity, discrepancies, alterations, or inconsistencies.Conduct pre-disbursement and post-disbursement sampling. Customer & Field VerificationVisit customers' residences, offices/businesses, or transaction locations when required.Verify customer identity, address, employment/business activity, and loan purpose.In purchase transactions, verify the seller and transaction details. Fraud Detection & InvestigationIdentify suspicious applications, forged documents, misrepresentation, duplicate profiles, and unusual patterns.Investigate suspected fraud and escalate significant findings to the appropriate team.Support case-specific and ad-hoc investigations.Process & Compliance ChecksCheck whether branches/business teams are following company policies and SOPs.Identify process deviations and control weaknesses.Support internal audit, compliance, and risk-c

Document Verification Verify original KYC and loan documents. Check documents for authenticity, discrepancies, alterations, or inconsistencies. Conduct pre-disbursement and post-disbursement sampling. Customer & Field Verification Visit customers' residences, offices/businesses, or transaction locations when required. Verify customer identity, address, employment/business activity, and loan purpose. In purchase transactions, verify the seller and transaction details. Fraud Detection & Investigation Identify suspicious applications, forged documents, misrepresentation, duplicate profiles, and unusual patterns. Investigate suspected fraud and escalate significant findings to the appropriate team. Support case-specific and ad-hoc investigations. Process & Compliance Checks Check whether branches/business teams are following company policies and SOPs. Identify process deviations and control weaknesses. Support internal audit, compliance, and risk-control reviews. Verification Calls Call customers to confirm information submitted during the loan/application process. Record customer feedback and investigate discrepancies or suspicious cases. MIS & Reporting Maintain RCU registers, verification records, and case documentation. Prepare daily/weekly/monthly MIS reports. Track findings, escalations, and corrective actions. Coordination Coordinate with Credit, Sales, Operations, Legal, Compliance, Audit, IT, and Branch teams. Communicate RCU findings and follow up until issues are resolved. Typical skills requiredGood communication and investigation skills Strong attention to detail Knowledge of KYC, AML, fraud indicators and loan processes MS Excel and MIS/reporting Ability to conduct field visits and customer verification Analytical and problem-solving ability Willingness to travel, depending on the role