Ranjit Sahu Email and Phone Number

• Responsible for setting up of the Risk Containment Unit, drafting RCU policy where key process to be implemented, fraud awareness training module for various levels.• Hiring & training samplers for in house centralized sampling activities.• Preparation of RCU/Collection budget for FY 13 to FY 16.• Hiring and training vendors for RCU verification of sampled cases and to perform other RCU activities such as Mystery Shopping, seeding, vendor verification, conducting investigations… Show more • Responsible for setting up of the Risk Containment Unit, drafting RCU policy where key process to be implemented, fraud awareness training module for various levels.• Hiring & training samplers for in house centralized sampling activities.• Preparation of RCU/Collection budget for FY 13 to FY 16.• Hiring and training vendors for RCU verification of sampled cases and to perform other RCU activities such as Mystery Shopping, seeding, vendor verification, conducting investigations, Stock Yard Audits, etc.• Setting up procedure manual for key activities like Fraud Management Strategy, Sampling process, Mystery Shopping, CPV Seeding, Fraud Investigation, Post disbursal checks, vendor empanelment, RCU vendor review, outsourced employee verification, etc.• Through successful fraud investigation have recommended the management for disciplinary action for employees found guilty of wrong doing / deviating from core process for benefits.• Training employees & external vendors on fraud awareness program.• Special Project – Have successfully integrated and implemented end to end collection (from tele-calling to write-off) and customer service process with TCS eServe. The entire project was on schedule & was delivered before the scheduled timeline.• Managing collection portfolio- Tele-calling and Field activities, Strategy and Policy for collections. Show less

• Responsible for rolling out FRM MIS’s & reporting Fraud Loss to the region, and other analysis from time to time as part of the Central Analytics team based out of Delhi.• Responsible for reducing & controlling fraud for entire portfolio such a Personal Loans, Two Wheeler & Consumer Durable loans and Mortgages.• Conducting time sensitive investigations that were escalated by various departments and through intensive investigation has helped in identifying parties involved which lead… Show more • Responsible for rolling out FRM MIS’s & reporting Fraud Loss to the region, and other analysis from time to time as part of the Central Analytics team based out of Delhi.• Responsible for reducing & controlling fraud for entire portfolio such a Personal Loans, Two Wheeler & Consumer Durable loans and Mortgages.• Conducting time sensitive investigations that were escalated by various departments and through intensive investigation has helped in identifying parties involved which lead to internal investigations for fraudulent activities by employees & third parties.• Conducting investigation on Mortgage related frauds to determine if property was appraised fairly and identify any discrepancies in appraisal/TSR report and by interviewing all parties involved to determine if an act of mortgage fraud was committed and recommends the course of action.• Liaison with empanelled advocates & local police for getting identified fraudsters booked in the court of law to create deterrence in the market.• To audit the FRM vendors on quarterly basis & bi-annual audit of all sourcing channels as per the prescribed guidelines.• Administering vendor operations, including validations of billing & payout of FRM vendors across the region• To ensure screening of all the login for New & Existing Borrowers in case of Mortgage & PL cases by the FRM vendors and ensure TAT being maintained for both the products.• Communicates with branch staff with risk recommendations and remedies to mitigate risk• Reviewing the authenticity of verification reports provided by the FRM vendors and guiding them for further improvements.• Random review of all trigger based sampling as part of back checks.• Expertise in innovating new triggers with respect to past fraud trends observed in the pre & post sampling data & other MIS.• FRM Market Intelligence check for all new vendors empanelled with CFI.• Imparting training sessions to FRM vendors & CFI employees for latest fraud trends & FRM policies. Show less