BIBHUKALYAN SATAPATHY

Taking care of all RCU activities for Odisha and Chattisgarh.

•Pre & Post-Disbursement Risk Control
•Fraud Detection & Deep-Dive Investigation
•Trigger-Based Profile Sampling for products like CV , CE ,AL & LAP.
•Early Mortality (EM) & Delinquency Analysis
•Vendor Governance , Performance and billing.
•Cross-Functional Stakeholder Management
Key Responsibilities & Achievements

Pre-Disbursement Risk Mitigation (Front-End Prevention)
•Led regional pre-screening and fraud detection operations across all branches of Odisha and Chattisgarh, identifying and blocking fraudulent profiles prior to onboarding.
•Designed and deployed trigger-based sampling methodologies on high-risk document types, reducing first-level document manipulation errors.
•Managed a network of multiple external verification agencies, driving a 100% improvement in Turnaround Time (TAT) while maintaining strict data integrity.
• Successfully detected a fraud in pre loan sanction stage where staff involvement was found and staff action was taken.

Post-Disbursement Activity & Portfolio Protection (Back-End Controls)
•Spearheaded Post-Disbursement Document (PDD) tracking and verification audits to identify hidden risk, policy deviations, or end-use gaps.
•Conducted forensic investigations on Early Mortality (EM) and early delinquency cases to trace root causes and implement corrective policy adjustments.

• Customer Satisfaction & Team Development:
• Developed and implemented strategies to enhance customer satisfaction and loyalty.
• Coached, mentored, and trained team members to improve performance and efficiency.
• Created monthly reports for senior management summarizing key operational performance metrics.
• Financial Monitoring & Anti-Money Laundering (AML):
• Oversaw inflow and outflow of funds across various account types (IMPS, NEFT, RTGS, Cheques).
• Conducted monitoring for lottery fraud, counterfeit transactions, and suspicious activities using Clarify.
• Tracked high-value credits and debits (Internet, Pay-orders, OTC) to ensure alignment with customer profiles.
• Investigated suspicious accounts by verifying sources of funds and supporting documents.
• Recommended new fraud detection alerts and rules to mitigate financial risks.
• Engaged with industry peers to stay updated on emerging fraud trends.
• Law Enforcement & Compliance:
• Managed law enforcement agency (LEA) notices, including court orders and crime branch notifications.
• Liaised with law enforcement agencies for special investigations and complaint registrations.
• Ensured timely filing of FIRs and facilitated necessary legal actions, including arrests.
• Conducted background verification of employees to maintain compliance standards.
• Investigations & Risk Management:
• Led on-site investigations across various locations.
• Represented the organization in internal and external business meetings and forums.
• Provided quick response actions for business emergencies.
• Reviewed and analyzed investigation reports to ensure accuracy and effectiveness.
• Implemented process improvements, resultingin an increase in operational efficiency.

• Handling the centralized shop for Odisha Jharkhand,West Bengal & Bihar
• Taking care of Auto Loan, CTG, TRL, LAP & Mortgage Loan
• Representing the bank to facilitate investigation of financial crime with the law enforcement agencies
• Safeguarding reputation of the Bank and minimizing credit risk by identifying fraud at acquisition stage
• Played a pivotal role in recommending process changes to strengthen the bank's policies
• Conducting surprise seeding activity on the process adherence of employees
• Screening and sampling of customer applications as per the Bank's Policies
• Monitoring and evaluating the performance and policy adherence of outsourced agencies
• Investigating frauds pertaining to Loans
• In-depth expertise in investigating and solving financial crime for Retail asset and Retail market.

• Own all RCU activities Including pre and Post sourcing for all products accross all locations fo r 0rissa
• Minimize Fraud losses to ensure robust portfolio health
• Conducting extensive non stalter investigation to reduce fraud rates
• Effectively engaged with all verticals to contribute towards overall reduction in fraud Loss accross the state
• Conducting mystery shopping & seeding activities on dealers and agencies and executives to minimize fraud
• MIS with suitable analysis to provide meaningful insights
• End to end closure of fraud cases with action taken.

• Primary objective is to detect all possible frauds during the loan processing of all retail asset product of our Bank (secured and unsecured) resulting in minimization of loss
• Cross-checking activities of KYC with post documents and endues of SHG and JLG groups
• Investigating fraud cases of various products and taking needful actions
• Unsecured Loan Application Verification to product SHG & JLG
• Adherence to the RIC policies & Processes for the Respective Product
• Deliver Quick Turnaround Times (TAT) to provide decision on the loan application
• Identifying process gap and recommending improvement to stop further wrong doing
• Identifying new fraud trends in the market and educating the team about it
• Handling Hunter matches to screen fraudsters
• Conducting surprise checks at outsourced channel partners to create awareness in the market
• Preparing Daily & Monthly Reports send to Central Team
• Maintaining proper documentation as per company guidelines for all the activities
• Process Strengthening & improvement via periodic audits.