Location FRMU Manager

Role overview

This position sits within Aditya Birla Finance Limited under the Financial Services business. The role is part of the Risk Management & Compliance function and the Credit, Risk, Legal & Collections department. It is responsible for leading the team of RCU agency samplers, helping them identify document tampering and serious fraud risks, improving sample selection so losses are kept to a minimum, and supporting business continuity by maintaining turnaround time. The role also involves active coordination with risk managers and professionals from other financial institutions, as well as ongoing improvements to the RCU screening and sampling framework through stakeholder meetings, training sessions, and fraud awareness programs.

Organizational details

Business: Financial Services
Unit: Aditya Birla Finance Limited
Location: Pan India
Function: Risk Management & Compliance
Department: Credit, Risk, Legal & Collections
Designation: Location RCU Manager
Manager designation: Area RCU Manager
Date of JD update: 14 June 2023

Job purpose

The purpose of this position is to oversee agency samplers working in the RCU process, strengthen fraud detection around manipulated documents and other critical fraud types, and help improve sampling effectiveness. The role is expected to support business objectives by reducing fraud-related losses, protecting service timelines, and building strong coordination with internal and external stakeholders.

Scope and dimensions

• Business unit: ABFL
• Products covered: All ABFL products
• Geography: 2–4 LRM in one RCU hub across Kolkata, Bhubaneswar, Delhi, Chandigarh, Jaipur, Lucknow, Chennai, Coimbatore, Bengaluru, Secunderabad, Mumbai, Ahmedabad, Indore, and Pune
• Direct reporting team size: 1 to 3 members
• Key operational areas include screening and sampling supervision, MIS and dashboard circulation, unusual event handling, case investigation, vendor billing data preparation and checks, ML tracker preparation, stakeholder coordination, pre- and post-disbursal checks, and verification of non-starter cases

Qualitative expectations

• High integrity and strong ethical standards
• Sharp analytical thinking with an investigative approach
• Attention to detail and the ability to spot inconsistencies
• Good listening skills and sound critical thinking
• Ability to build networks and collaborate effectively
• Willingness to travel out of station when required
• Strong communication, presentation, and reporting ability

Organizational context

Aditya Birla Finance Limited is the lending arm of Aditya Birla Capital Limited. It is registered with the RBI as a systematically important, deposit-free NBFC and is among India’s leading diversified private NBFCs. As of 31 December 2020, the company had a pan-India footprint with 91 branches and a lending book of Rs. 45,560 crores. Its offerings span retail, HNI, MSME, and mid-to-large corporate lending through secured and unsecured products, along with a wealth management business. ABFL is rated AAA by India Ratings, ICRA, and CARE, and has received multiple recognitions including the ABG Business Excellence Award.

Job context and key challenges

The role operates in a setting where fraud risk control, process efficiency, and business support must be balanced carefully. The incumbent must manage RCU sampling and screening activity, improve detection of document fraud, keep turnaround times under control, work with vendors and internal teams, and support continuous process refinement while maintaining compliance and quality standards.

Key result areas

• Improve monetary savings through better hit rates, reduced fraud losses, and efficient sample selection
• Strengthen internal controls by driving process enhancements, automation, and system improvements
• Reduce default backtracking for document fraud and improve conversion outcomes
• Maintain strong audit and regulatory compliance performance with minimal open items
• Ensure timely MIS, reporting, and dashboard delivery
• Enhance process efficiency through vendor coordination, quarterly vendor visits, bill preparation, and TAT management
• Develop people capability through self-learning, vendor staff training, and team engagement activities

Direct reports

Agency samplers engaged in screening and sampling operations report into this role.

Stakeholder relationships

Internal: Daily coordination with Sales, Credit, and Operations teams for product, process, policy, and fraud investigation matters.

External: Regular interaction with industry peers and stakeholders for knowledge sharing and to support information gathering during fraud investigations.

Sign-off requirement

The original role document notes that the hard copy of the JD must be signed and retained in organizational records by the job holder and reporting manager.

Additional notes

The source document includes structured fields for Poornata position number and reporting references, but the actual position number was not filled in. It also records the line items for monitoring screening and sampling, unusual events, vendor billing, ML tracker preparation, stakeholder meetings, training, and fraud awareness sessions as part of the role expectations.