Job Title: Area Manager – Investigation ( Gold Loan )

Department: Fraud Risk Management Unit

Reporting To: Head – Investigation & Vigilance (FRMU)

Role Purpose

The Area Investigation Manager is responsible for leading fraud risk investigations related to the Gold Loan portfolio across the assigned region. The role focuses on detection, investigation, prevention, and mitigation of fraud incidents involving gold loans, including fake gold pledges, collateral substitution, employee collusion, documentation fraud, identity fraud, valuation irregularities, and operational lapses.

The incumbent shall conduct end-to-end investigations, coordinate with business units, law enforcement agencies, legal teams, and regulatory compliance functions, and ensure timely reporting of fraud cases as per RBI guidelines and the NBFC's Fraud Risk Management Framework.

Key Responsibilities

Fraud Investigation & Incident Management

→ Lead end-to-end investigations of suspected frauds, thefts, pledge irregularities, and valuation discrepancies in gold loan accounts.

→ Analyze transaction trails,



CCTV footage, branch records, and customer documentation to establish facts.

→ Conduct field investigations and surprise checks at branches and vault locations.

→ Prepare detailed investigation reports with findings, root cause analysis, and actionable recommendations.

Risk Assessment & Control Enhancement

→ Identify systemic gaps in gold loan processes (appraisal, storage, disbursement, auction).

→ Recommend and implement corrective controls to mitigate fraud risks.

→ Collaborate with internal audit, risk, and product teams to strengthen SOPs.

Liaisoning & Legal Coordination

→ Coordinate with law enforcement agencies (police, economic offenses wing) for fraud cases and asset recovery.

→ Support legal teams in filing FIRs, charge sheets, and court proceedings.

→ Act as the nodal point for external agencies during investigations.

Team Leadership & Governance

→ Lead a team of inves

📌 Area Investigation Manager (India)
🏢 Aditya Birla Capital
📍 India