Mahaveer Kumawat

As a seasoned Risk Control Unit (RCU) professional, I currently lead and manage end-to-end RCU operations for secured MSME loans (home loans, loan against property, micro loans, MSME loans, and vehicle loans) across Rajasthan State at CRSP Capital Pvt. Lies in driving proactive risk mitigation strategies, fraud control, and operational excellence.

Core Competencies:

Leading fraud control investigations to ensure swift and effective resolution of cases.

Conducting pre-disbursement sample verification to validate document authenticity and reduce exposure to risk.

Executing post-disbursement checks through borrower visits to identify irregularities or red flags.

Minimizing financial losses through proactive risk identification and mitigation strategies.

Evaluating frontline sales teams via seeding exercises to assess adherence to compliance norms.

Presenting key findings and risk trends to senior management within strict timelines.

Investigating death cases, and conducting verification for new joiners and vendor onboarding.

• Reviewed and updated internal policies to ensure compliance with financial regulations.

BGV (Background Verification for new joining employees, such as house visits and office visits).

File checking: like KYC verification, application and co-application, and income verification (risk analysis).

Financial loss and liability management.

Property documents verification: GP patta, society patta, sale deed, UIT registration, nagar parishad patta, and gram panchayat patta verification, jama bandhi, and other property paper verification.

Field Verification Fraud Cases Report.

Financial statement verification.

EWS cases visit and analysis report.

Customer visit and verification report prepared.

EMI skip cases, visits, and verification.

Branch surprise visit, and prepare the report.

Analysis of the income verification report.

Triggered wise cases verification, such as customer income manipulation, business verification, ITR verification, past disbursed cases, etc., and geo-location verification, opens new branches.

• Role: Department of Internal Audit and Control.||Fraud control.||Fraud Data Analysis.|Risk control.
• Unit member of the Special Investigation Team (SIT) conducts retail asset branch audits and IGL audits as per the Head Office plan and guidelines.
• Discuss the findings on a daily basis and conduct a closure meeting with the audit.
• Drafting the audit report with an emphasis on the review of the existing processes and procedures, and suggesting areas for improvement.
• Submission of the draft audit report within the defined time.
• Update of the audit checklist and procedures.
• Review of new products, procedures, and system implementations.
• Verify the branch register, reports, and administrative and HR-related issues.
• On a monthly branch visit.

• Role: Department of Internal Audit and Control.||Fraud control.||Fraud Data Analysis.| Risk Control
• Unit member of the Special Investigation Team (SIT) conducts retail asset branch audits and IGL audits as per the Head Office plan and guidelines.
• Discuss the findings on a daily basis and conduct a closure meeting with the audit.
• Drafting the audit report with an emphasis on the review of the existing processes and procedures, and suggesting areas for improvement.
• Submission of the draft audit report within the defined time.
• Update of the audit checklist and procedures.
• Review of new products, procedures, and system implementations.
• Verify the branch register, reports, and administrative and HR-related issues.
• On a real-time basis, escalate critical issues to the business team that require immediate attention.
• Investigate frauds and misappropriation.
• Conduct compliance checks and report on any field deviations.
• Prepare and submit audit reports within the defined TAT.
• Follow up on the compliance of the audit reports with the business team until the closure of the report.
• Update job knowledge on a regular basis.
• Discuss the audit findings during the monthly team meeting with the respective state business authorities.

• Role: Sales Manager Team handling, and monitoring and target achievement for TAT days
• Products - Personal Loan, business loan, home loan and Micro Loan.
• Led sales team to achieve monthly targets and drive revenue growth.
• Developed training programs to enhance product knowledge among sales staff.
• Managed client relationships to ensure satisfaction and retention of accounts.
• Performed sales consultations and educated clients on products and services.
• Resolved customer complaints regarding sales and service.

• Role: Sales Officer Micro Finance (SLI) Department Handling 700 Customers and Collection
• 90+ budget 120+ budget and Targets achievement for TAT Days
• Cross sell- Gold loan, home loan, Personal loan, two Wheeler loan, casa handling RD, FB, Mutual fund SIP and Current Account and Saving Account Open.