Regional Manager-RCU

Job Requirements

About the Role

The Regional Manager role is to provide tactical guidance to his team and effective monitoring of activities carried out for the zone in the assigned product. He is responsible for maintaining efficiency of RCU process like Screening and sampling, outsourcing checks, Hunter match validations, Investigations of customer grievances, vendor management, process hygiene check, stake holder engagement, conflict resolution, collaborating with Industry Peers for market intelligence. The role holder should engage with middle level management team of product, policy, business, operations, credit, customer service and debt management team.

Key Responsibilities

Primary Responsibilities

• Effective management of RCU function and activities of assigned product (Wheels, SME, HL, EL, Credit Cards, Liabilities etc.)
• Sustain a system for identification, monitoring, investigation, and reporting to minimize losses.
• Managing the team across the zone (North, West, South, and East), training team members to perform in accordance with managements expectations and ensuring that practices and procedures are uniform.
• Investigation of WB complaints / critical matters.
• Reviewing correctness and completeness of investigation reports and timely inputs for regulatory reporting.
• Turnaround timelines monitoring and adherence to defined norms.
• Ensuing SOP compliance.
• Engagement with Internal stakeholders like Zonal Managers / Team of Business, Credit, Operations, Debt Management, Customer Service, Legal , Compliance etc.
• Liaising with External Stakeholders like Police Officials at local police stations /cyber-crime stations/ MHA / DoT / CBI / ED officials etc.
• Engagement with industry peers for market intelligence on emerging trends.
• Resolving disagreements and promptly addressing escalating issues or complaints with the MD, RBI, or Nodal Desk.
• Follow SOP to ensure uniformity, consistency, and adherence to best practices.
• Ensuring the timely and cost-effective onboarding of suitable resources.
• Keep expenses within the Budgets for the region and identify cost control opportunities.
• Provide inputs into the risk evaluations of new products and other significant process changes.
• Ensure all investigations adhere to legal, regulatory, and ethical standards.
• Ensuring productivity of team and ensure that team comes up the learning curve in terms of upgrading their skills required for managing the job role effectively.
  
  

• Mentor and coach senior team members to foster a culture of customer centricity, innovation, compliance, and integrity.
• Responsible for team training , providing guidance and support as needed.
• Promotes the banks culture and encourages the team to adhere to policy and procedure.
  
  

• Graduation: Any Graduate
• Post-graduation: MBA in Finance (Preferred)
  
  

• Minimum of 10 years of relevant experience in Risk Control Unit (RCU) or related functions.
  
  

• Strong understanding of risk control, fraud detection, and compliance processes.
• Analytical mindset with the ability to interpret MIS reports and identify trends.
• Excellent investigative and problem-solving skills.
• Ability to manage external agencies and ensure adherence to standards.
• Effective communication and leadership capabilities.
• High attention to detail and commitment to data integrity.