State Head – RCU

Location: Visakhapatnam
Qualification: Any Graduate
Experience: Relevant experience in RCU, fraud risk, field investigation, credit risk, or BFSI operations
CTC: Up to 12 LPA
Benefits: ESOPs | Career Progression

Role Overview

We are looking for an experienced State Head – RCU to lead and manage the Risk Containment Unit (RCU) operations across the state. The role will be responsible for strengthening fraud prevention, field investigation, customer due diligence, vendor oversight, and risk-control mechanisms while ensuring compliance with company policies and applicable RBI guidelines.

The ideal candidate should have strong leadership, investigation, stakeholder-management, and analytical skills, with the ability to identify fraud risks, drive corrective actions, and manage external agencies and regulatory/law-enforcement interactions.

Key Responsibilities

• Lead and manage the RCU agency/team across the state, ensuring effective oversight of fraud prevention and field investigation activities.
• Oversee field verification, customer due diligence, and vendor audits to ensure adherence to company policies, processes, and RBI guidelines.
• Monitor and identify fraud indicators, process gaps, early warning signals, and emerging fraud patterns across business operations.
• Collaborate closely with Credit, Operations, Legal, Analytics, and other relevant teams to strengthen risk controls and fraud prevention mechanisms.
• Conduct and drive root-cause analysis (RCA) of fraud cases and ensure appropriate corrective and preventive actions are implemented and tracked to closure.
• Ensure timely investigation, documentation, reporting, and escalation of suspected fraud and high-risk cases.
• Manage relationships with RCU agencies, external investigators, vendors, and other field partners, ensuring quality, productivity, and compliance.
• Liaise with law enforcement agencies, external investigators, and regulatory authorities whenever required.
• Ensure proper case documentation, evidence collection, and evidence readiness for investigations and legal/regulatory requirements.
• Track state-level RCU performance through relevant MIS, dashboards, investigation reports, and risk metrics.
• Drive continuous improvement in RCU processes, controls, and fraud-risk mitigation frameworks.
• Ensure adherence to internal policies, regulatory requirements, and governance standards across all RCU activities.

Key Skills

• Risk Containment Unit (RCU)
• Fraud Risk Management & Prevention
• Field Investigation & Verification
• Customer Due Diligence (CDD)
• Vendor/Agency Management
• Root Cause Analysis (RCA)
• Fraud Detection & Investigation
• Early Warning Signals (EWS)
• Risk & Control Management
• MIS & Analytical Reporting
• Stakeholder Management
• Law Enforcement & Regulatory Coordination
• Team Leadership & People Management
• Knowledge of RBI Guidelines

What We Offer

• Competitive CTC up to 12 LPA
• ESOPs
• Strong career progression opportunities
• Opportunity to lead state-level RCU and fraud-risk operations