Role National RCU Manager Position: National RCU Manager (Risk Containment Unit) Department: Risk / Fraud Control / Operations Designation: National RCU Manager Reporting To: Head Risk / Chief Risk Officer / Business Head

Location:
Corporate Office / PAN India Industry: BFSI / NBFC / Consumer Finance / Financial Services 1. Job Purpose To lead and manage the National Risk Containment Unit (RCU) function across India, ensuring effective prevention, detection, investigation and control of fraud risks across business operations. The role is responsible for developing robust fraud-control mechanisms, strengthening internal processes, identifying emerging risk patterns and safeguarding the organisation against financial and reputational losses. 2. Key Roles & Responsibilities A. RCU Strategy & Leadership
- Develop and implement the PAN India RCU strategy, policies and procedures.
- Establish a strong fraud risk management framework across all business locations.
- Lead and manage regional RCU teams and investigation personnel.
- Define risk parameters, verification standards and investigation protocols.
- Ensure effective implementation of RCU guidelines across the organisation. B. Fraud Prevention & Detection
- Identify potential fraud risks in customer acquisition, onboarding, documentation and business transactions.
- Monitor identity fraud, income manipulation, document forgery, employee fraud and organised fraud activities.
- Develop early warning indicators (EWIs) for fraud identification.
- Analyse fraud trends and implement preventive measures.
- Conduct surprise checks and risk-based investigations. C. Investigation & Risk Assessment
- Lead critical and high-value fraud investigations.
- Conduct investigations into suspected employee, customer, dealer, distributor and third-party fraud.
- Validate suspicious transactions and supporting documentation.
- Coordinate with Legal, Compliance,



HR and external investigation agencies.
- Ensure timely submission of investigation reports with actionable recommendations.
- Track investigation findings and ensure corrective action implementation. D. Process Audit & Control
- Conduct process audits and risk-based reviews across branches and business locations.
- Identify operational gaps, policy deviations and control weaknesses.
- Review customer onboarding, KYC, documentation and transaction processes.
- Recommend process improvements to minimise fraud exposure.
- Ensure adherence to internal policies, regulatory requirements and compliance standards. E. Team & Vendor Management
- Manage regional RCU managers, investigators and field verification teams.
- Set performance targets and monitor team productivity.
- Develop investigation capabilities through training and knowledge-sharing sessions.
- Manage external investigation and verification agencies.
- Monitor vendor quality, turnaround time and cost efficiency. F. MIS & Management Reporting
- Prepare monthly and quarterly RCU performance reports.
- Present fraud trends, investigation findings and risk exposure to senior management.
- Monitor fraud cases, financial exposure and recovery status.
- Develop dashboards for fraud analytics and risk monitoring.
- Recommend corrective and preventive action plans. 3. Key Performance Indicators (KPIs)



KPI Measurement Fraud Prevention Reduction in fraud incidents and losses Investigation TAT Timely closure of investigations Fraud Detection Identification of suspicious activities Audit Compliance Closure of audit observations Risk Mitigation Implementation of corrective actions Team Productivity Regional RCU performance Vendor Management Quality and efficiency of agencies Financial Recovery Recovery of fraud-related losses 4. Required Skills & Competencies
- Strong understanding of fraud risk management.
- Excellent investigation and analytical skills.
- Knowledge of KYC, AML and regulatory compliance.
- Strong leadership and team management capabilities.
- Excellent communication and stakeholder management.
- Ability to analyse data and identify fraud patterns.
- Strong decision-making and problem-solving abilities.
- Knowledge of MS Excel, MIS dashboards and analytical tools. 5. Educational Qualification & Experience
- Graduate/Postgraduate in Finance, Commerce, Business Administration or related discipline.
- MBA in Finance/Risk Management preferred.
- 1218 years of relevant experience in RCU, Fraud Risk Management, Investigations, Audit or Banking/NBFC operations.
- Minimum 5 years of experience in managing regional or national teams preferred.
- Experience in PAN India operations and multi-location risk management. 6. Key Stakeholders
- CEO / Business Head
- Chief Risk Officer
- National Sales Head
- Credit & Underwriting
- Operations Head
- Legal & Compliance
- Internal Audit
- HR Department
- External Investigation Agencies 7. Expected Deliverables
- Robust PAN India fraud-control framework.
- Reduction in financial and operational fraud losses.
- Improved investigation quality and turnaround time.
- Stronger internal controls and process compliance.
- Effective RCU team structure and productivity.
- Timely identification of emerging fraud risks.
- Improved coordination between business and risk functions.& responsibilities

📌 National RCU Manager (Mumbai)
🏢 Acura solutions
📍 Mumbai