Area Manager-RCU

Idfc First Bank Limited; Kolkata District; On-site; INR 1,800,000 - 3,000,000; Full time

Job summary

IDFC FIRST Bank Limited is seeking an Area Manager – RCU to oversee risk control across products in the assigned area. You will manage fraud prevention, field verifications, audits, and data integrity, coordinating with police authorities when needed and ensuring regulatory compliance.

The role requires 8–10 years in RCU, fraud control, or risk management, with strong analytical abilities and stakeholder management.

Qualifications

• Strong analytical and investigative skills.
• Excellent understanding of retail banking processes and risk controls.
• Effective communication and stakeholder management.
• Ability to manage audits, data reporting, and compliance requirements.

Responsibilities

• Managing the product assigned and performing activities like screening/ sampling, hunter checks, onboarding checks, proactive checks, vendor coordination, off roll interviews, etc.
• Data management and MIS reports management.
• Vendor follow-ups and closure of assigned tasks within defined timelines.
• Ensuring timely reporting of incidents to Line Managers & senior management.
• Assimilate facts in investigations and outline initial report draft.
• Product and RCU activities in-depth knowledge.
• Performing control activities to prevent market trends / fraud risk.
• Training off roll resources on best practices and standardized process adherence.
• Reviewing red flags and evolving the same basis investigation observations.
• Identifying process gaps and highlighting the same to seniors for corrective actions.
• Addressing issues and concerns with relevant stake holders as per sourced files and process followed thereby streamlining to increase efficiency.
• Law Enforcement liaising with police authorities of jurisdiction / middle lower rank officials and having close coordination.
• Preventing reputational risk and addressing critical situations at the branches / loan centers / Hubs etc.
• Vendor Billing Management and cost control.
• Mentor and coach team members to uphold values of customer centricity, compliance, and integrity.
• Attract and retain top talent to support business growth.

Skills

Analytical skills

Investigative skills

Stakeholder management

Communication

Education

Graduate in any discipline

MBA in Finance preferred

Job description

Job Requirements

About the Role

As an Area Manager – RCU in the respective division, you will be responsible for managing risk control activities across all products within your assigned area. This includes fraud control, field verifications, audit compliance, and process evaluations. You will play a critical role in identifying risk trends, implementing fraud prevention measures, and ensuring data integrity and regulatory compliance.

Key Responsibilities

Primary Responsibilities

• Managing the product assigned and performing activities like screening/ sampling, hunter checks, onboarding checks, proactive checks, vendor coordination, off roll interviews, etc.
• Data management and MIS reports management.
• Vendor follow-ups and closure of assigned tasks within defined timelines.
• Ensuring timely reporting of incidents to Line Managers & senior management.
• Assimilate facts in investigations and outline initial report draft.
• Product and RCU activities in-depth knowledge.
• Performing control activities to prevent market trends / fraud risk.
• Training off roll resources on best practices and standardized process adherence.
• Reviewing red flags and evolving the same basis investigation observations.
• Identifying process gaps and highlighting the same to seniors for corrective actions.
• Addressing issues and concerns with relevant stake holders as per sourced files and process followed thereby streamlining to increase efficiency.
• Law Enforcement liaising with police authorities of jurisdiction / middle lower rank officials and having close coordination.
• Preventing reputational risk and addressing critical situations at the branches / loan centers / Hubs etc.
• Vendor Billing Management and cost control.

Secondary Responsibilities

• Mentor and coach team members to uphold values of customer centricity, compliance, and integrity.
• Attract and retain top talent to support business growth.

What We Are Looking For

Education

• Graduate in any discipline
• Postgraduate: MBA in Finance preferred

Experience

• 8–10 years of experience in RCU, fraud control, or risk management

Skills and Attributes

• Strong analytical and investigative skills
• Excellent understanding of retail banking processes and risk controls
• Effective communication and stakeholder management
• Ability to manage audits, data reporting, and compliance requirements