Area FRMU Manager - Mumbai

Aditya Birla Capital; Maharashtra; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Aditya Birla Finance Limited (ABFL) seeks a capable professional to lead the RCU sampling team, identify document manipulation, and mitigate fraud through optimized sampling. You will coordinate with risk managers and external peers, ensuring timely MIS and robust controls across screening activities.

The role requires analytical thinking, strong communication, and readiness to travel for outstation engagements, with a focus on improving fraud detection and business support metrics.

Qualifications

• Experience in risk/fraud screening environments.
• Experience in managing field teams (RCU agency samplers).
• Ability to generate MIS/Reports and dashboards.
• Willingness to travel for outstation assignments.
• Strong stakeholder management and training delivery.

Responsibilities

• Lead and mentor the RCU agency samplers.
• Ensure timely circulation of MIS/Reports and dashboards.
• Conduct fraud investigations and UE analysis.
• Coordinate with risk managers and external stakeholders.
• Perform pre- and post-disbursal checks for processes.
• Maintain compliance and quality controls across processes.

Skills

Analytical mind

Investigative skills

Attention to detail

Communication skills

Networking

Reporting skills

Presentation skills

Team management

Job description

Job Purpose

The role is responsible for handling the team of Location RCU Managers and assist them in managing the RCU Agency Manpower in Identifying document manipulation and critical frauds. Optimizing sampling and ensure minimal fraud loss. To maintain TAT enhance support to the Business Goals. Effective liasoning with risk managers and peers in other financial institutions. To ensure continuous improvement of the RCU screening and sampling system and conduct Stakeholders, meet, Trainings & Fraud awareness sessions.

Dimensions

• Business Units


• ABFL

Products

• All ABFL Products

Geography

• Location/HUB

Department Workforce Number

Total No. of Direct Reporting Team Members: 1 to 3

Other Quantitative and Important Parameters for the job

• Managing Screening & Sampling Exercise with support of RCU Agency Manpower.


• Ensuring Timely circulation of MIS/Reports/Dashboard


• Unusual Event (UEs) & Case Investigation


• Supporting Location Managers in conducting training with stakeholders / vendors.


• Cross Validation Vendor Billing data prepared by Location Managers and quality checks.


• ML Tracker preparation


• Managing 1 st of escalation & Co-ordination with all stake holders


• Pre-& Post Disbursal Checks


• Verification of Non-starter cases.


• Qualitative parameters


• Truthful & Integrity


• Analytical bend of mind


• Investigative skills & Eye for detail


• Good listeners & Critical Thinking


• Networking


• Open to outstation travel


• Communication, presentation and Reporting skills

Job Context & Major Challenges

Organizational Context

Aditya Birla Finance Limited (\"ABFL\") is a lending subsidiary of Aditya Birla Capital Limited. ABFL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABFL is one of the top private diversified NBFCs in India. As of 31-Dec’20, ABFL has a pan-India presence with 91 branches and a lending book of Rs. 45,560 Crores.

ABFL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABFL also has a Wealth Management division.

ABFL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABFL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.

Job Context

The role is responsible for handling the team of RCU agency samplers and assist them in Identifying document manipulation and critical frauds. Optimizing sampling and ensure minimal fraud loss. To maintain TAT enhance support to the Business Goals. Effective liasoning with risk managers and peers in other financial institutions. To ensure continuous improvement of the RCU screening and sampling system and conduct Stakeholders, meet, Trainings & Fraud awareness sessions.

Key Result Areas

Supporting Actions

Monetary Savings

• Hit Rate in %age


• Hit Rate on sampled in %age


• Fraud & Negative Savings %

Internal Control & Process

• Department Audit & Regulatory Compliances (Internal Audit Score & Open Items)


• Timely Reporting of ML Tracker


• Quality check compliance

Process Efficiency

• TAT (Screening & Sampling)


• TAT (Sampled)


• Managing Sampling%


• Minimizing Refer%

People Management

• Branch Visit


• DSA Visit


• RCU Vendor Management


• Self-training


• Collaboration with internal Stakeholders


• Escalation Management


• Attrition in %