Key Responsibilities
- Conduct pre- and post-disbursement verifications of customer details, documents, and business premises. Identify and investigate fraudulent loan applications or suspicious borrower behavior.
- Product is Two Wheeler Loan and Micro Loan Against Property.
- Perform field investigations to verify borrower credentials, references, and business operations.
- Review loan files, KYC documents, and financial statements to detect inconsistencies or potential fraud indicators.
- Collaborate with Credit, Operations, Collections, and Sales teams to resolve discrepancies.
- Monitor portfolio performance and risk trends to highlight potential threats.
- Prepare detailed investigation and risk assessment reports for management review.
- Maintain a centralized fraud database and track recurring patterns or repeat offenders.
- Coordinate with law enforcement authorities, legal, and compliance teams for confirmed fraud cases.
- Support fraud risk training and awareness programs across business teams.
- Ensure full compliance with RBI guidelines, company policy, and KYC/AML norms.