Summary
Overview
Work History
Education
Skills
Websites
Certification
Personal Information
Timeline
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Jyoti Patni

Jyoti Patni

Summary

Adaptable Manager offers many years of experience coordinating operations to achieve organizational goals. Communicative team leader with expertise in strategic planning and inventory management. Committed to driving improvements through innovation and leadership.

Overview

7
7
years of professional experience
1
1
Certification

Work History

Area RCU Manager

IDFC FIRST Bank
Delhi
10.2023 - Current
  • Managed end-to-end investigation of Consumer Durable (CD) and Cross-Sell loan cases for the Delhi NCR region, including suspect identification, and in-depth analysis of referred cases from customers, social media, market feedback, and cross-functional teams.
  • Independently analyzed suspected fraud cases and drove actionable conclusions, leading to case closures.
  • Conducted periodic reviews of loan disbursal data to identify Early Warning Signals (EWS), and initiated detailed investigations into potential fraud or misconduct.
  • Delivered comprehensive investigation reports to stakeholders and senior authorities for regulatory, compliance, and reporting purposes.
  • Conducted User Acceptance Testing (UAT) on APIs in alignment with internal process requirements to support system enhancements.
  • Engaged with cross-functional teams to identify process gaps and implement improvements in fraud detection and prevention mechanisms.
  • Handled vendor management responsibilities, including monitoring deliverable turnaround times (TAT), controlling costs and expenses, and managing billing processes.
  • Resolved customer complaints related to suspected fraud, escalated through social media and nodal grievance channels, ensuring timely and satisfactory closure.

RCU Manager

SPINNY
Gurugram
08.2022 - 10.2023
  • Formulated RCU policies and process implementation with respect to Used Car Loans.
  • Responsible for setting up entire RCU process on LOS keeping under consideration cross-functional perspective.
  • Conducted and supervised UAT testing as per the internal process requirements.
  • BRD creation of RCU related document.
  • Visual mapping of charts via LUCID charts.
  • Analysis of as-is process and creation of to-be processes.
  • RCU Agencies empanelment (PAN India) along with cost and vendor bill management.
  • Responsible for RCU pre-activities for PAN India.
  • Cross functional task management.

Area RCU Manager

TATA CAPITAL LIMITED
Pune
10.2021 - 05.2022
  • Successfully managed and maintained risk portfolio of secured and unsecured lending's for 17 branches with 7 vendors and 10 samplers.
  • Prevented and identified potential fraud cases by conducting internal audits, due diligence, KYC, and mystery shopping/seeding.
  • Independently analysed suspected fraud cases and took necessary actions accordingly.
  • Conduced periodical review of disbursal data for Early Warning Signal (EWS) to further conduct thorough investigations on fraud misconduct cases.
  • Presented detailed investigation reports to stakeholders and senior authorities within the prescribed timeline.
  • Coordinated with cross functional teams for setting up efficient fraud control mechanism and process improvements.
  • Ensured TAT, regular audits, cost expense management, and billing were up to par in vendor management.
  • Travelled for location visits in order to establish relationships with industry officials for fraud prevention and investigation purposes.
  • Trained employees to Spread awareness and prevent fraudulent recurrences.

Territory RCU Manager

IDFC FIRST Bank (erstwhile Capital First Limited)
Jaipur
06.2018 - 10.2021
  • Managed banking secured and unsecured lending portfolio with 6 agencies and 7 samplers at multiple locations in Rajasthan.
  • Ensured effective risk management by conducting 100% review of all pre login files for document related fraud and carrying out post lending investigations.
  • Facilitated vendor management - ensuring deliverable TAT (85%), cost expense control, billing, etc.
  • Operated automated Hunter software for risk controlling activities.
  • Cross functional team coordination resulted in process improvements.
  • Investigated risk identified cases and prepared reports of red flag cases for RBI reporting.
  • Resolved customer complaints for suspected fraud cases escalated through social media/ nodal channels.
  • Conducted thorough employee investigation; Mystery Shopping/Seeding measures proved effective.
  • Liaised with legal/ law team for risk control measures.
  • Established industry liaising for fraud control measures.
  • Trained employees on fraud awareness successfully.

Education

PGPM/MBA - Finance

ICFAI Business School
Mumbai, Maharashtra
06.2018

Bachelor of Commerce -

Kumaon University
Haldwani, Uttrakhand
08.2015

Skills

  • Microsoft Office applications
  • Salesforce proficiency
  • Data analysis
  • Regulatory compliance
  • User acceptance testing
  • Vendor management
  • Process improvement
  • Cross-functional collaboration
  • Report preparation
  • Operational auditing
  • Employee training
  • Risk management
  • Fraud detection

Certification

  • Internal Financial Control
  • Anti-Money Laundering Overview

Personal Information

Title: Manager - Risk Containment Unit

Timeline

Area RCU Manager

IDFC FIRST Bank
10.2023 - Current

RCU Manager

SPINNY
08.2022 - 10.2023

Area RCU Manager

TATA CAPITAL LIMITED
10.2021 - 05.2022

Territory RCU Manager

IDFC FIRST Bank (erstwhile Capital First Limited)
06.2018 - 10.2021

PGPM/MBA - Finance

ICFAI Business School

Bachelor of Commerce -

Kumaon University

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Jyoti Patni