Job Title: Area / Territory Manager – FCU & Fraud Control
📍 Company: Bajaj Finance Ltd.
🏢 Industry: Banking / BFSI / Lending
🕐 Employment Type: Full-Time, Permanent
🎯 Role Category: Lending & Fraud Control
Job Purpose
To manage and coordinate branch-level FCU (Fraud Control Unit) operations, ensure process adherence, handle fraud investigation activities, and support credit/marketing teams with actionable insights.
Cultural Expectations (Bajaj Finance Values)
✅ Work Hard: Consistently put in effort, plan & track daily progress
✅ Execute with Rigor: Take ownership of targets with focus & discipline
✅ Own It: Maintain honesty, fairness & compliance at all levels
✅ Act with Integrity: Follow organizational policies & ethical standards
Roles & Responsibilities
🔹 Coordinate pre & post FCU activities with branch, FCU agencies, and Head Office
🔹 Maintain branch-level login registers and ensure every file is screened properly
🔹 Update credit & marketing teams on FCU findings / fraud alerts
🔹 Conduct field investigations for fraud, negative cases & police complaint actions
🔹 Handle branch queries over email & ensure closure within TAT
🔹 Monitor TAT for each process and ensure minimized variance
🔹 Generate, maintain & present MIS reports for management review
🔹 Handle mystery shopping activities, non-starter cases & KYC compliance checks
🔹 Investigate dealers/agencies/executives to ensure process hygiene
🔹 Work on multi-product FCU operations (PSBL, LAP, CE, CD Finance)
🔹 Visit assigned locations for field investigation as per Head Office instructions
Required Qualifications & Experience
🎓 Education: Any Graduate / Postgraduate
💼 Experience:
- Relevant experience in sales, risk, or fraud control
- Exposure to lending products (salaried loans, LAP, consumer loans, etc.)
- Prior experience in channel handling / fraud investigation preferred
Skills & Competencies
- Strong communication & relationship management
- Analytical & reporting (MIS) skills
- Channel management capability
- Ability to work under pressure & deliver within TAT
- Self-driven, high on ownership & motivation
- Working knowledge of computers (Excel, MIS tools, etc.)
- Ability to lead investigations & ensure process integrity
Key Skills
Fraud Investigation | FCU Operations | Channel Management | MIS | KYC Compliance | LAP / PSBL / Consumer Loans | Risk Control | Process Efficiency | Field Investigation | Customer Service | Branch Coordination | Sales + Operations Understanding