Sanjay Jadhav
Experienced Fraud Risk & Control professional
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About
Experienced Fraud Risk & Control professional with over 15+ years in banking and financial services. Proven expertise in fraud prevention, risk assessment, vendor management, and investigative reporting across Pan-India operations. Strong track record in managing RCU/FCU functions, reducing NPAs, and driving operational efficiency through data-driven insights.
Experience
Deputy Manager – Risk Control Unit - Capital India Finance Limited - Maharashtra
- Managed Maharashtra operations for Loan Against Property (LAP) portfolio.
- Handled both small-ticket and large-ticket products (M-LAP & R-LAP).
- Conducted pre- and post-facto investigations with actionable reporting.
- Maintained MIS reports for business tracking and decision-making.
- Supported collections team in reducing NPA cases.
- Assisted credit team with market intelligence and sourcing validation.
Manager – Fraud Control Unit - L&T Finance Ltd - Pan-India
(2023-03 - 2024-11)
- Managed Pan-India consumer loan portfolio from a fraud risk perspective.
- Led vendor onboarding and channel partner coordination.
- Oversaw vendor billing operations across India.
- Maintained fraud cases in Hunter system.
- Monitored daily login cases ensuring TAT compliance.
- Published MIS dashboards for senior management.
- Coordinated with financial institutions for fraud reporting and lien marking.
Senior Officer – Fraud Control Unit - KIFS Housing Finance Ltd - Multiple states
(2021-04 - 2023-02)
- Managed RCU operations across multiple states.
- Handled vendor billing and compliance.
- Conducted due diligence for DSAs, vendors, and partners.
- Led Sherlock investigations and case closures.
- Conducted field investigations for high-value loans.
- Delivered vendor training programs.
- Coordinated with Salesforce team for system enhancements.
- Independently managed RCU function (Apr 2022 – Aug 2022).
Senior Officer – Fraud Control Unit - Indiabulls Consumer Finance Ltd
(2017-12 - 2020-05)
- Managed sampling operations and vendor billing.
- Conducted fraud investigations and field verification.
- Managed Hunter system for PL & BL portfolios.
- Reported fraud trends and insights to management.
Sampler – Fraud Control Unit - Axis Bank Ltd (All Check Services)
(2016-05 - 2017-12)
- Handled sampling for Business Loans, Credit Cards & EDC.
- Identified fraudulent documents and provided verified feedback.
- Maintained MIS and fraud tracking reports.
Sampler – Fraud Control Unit - Kotak Mahindra Bank Ltd (Omkar Associates Process)
(2015-05 - 2016-05)
- Verified loan files across multiple products.
- Conducted fraud detection and reporting.
Sampler – Fraud Control Unit - Kotak Mahindra Bank (Astute Corporate Services Pvt Ltd Process)
(2012-12 - 2015-01)
- Processed Home Loans, PL, and Credit Card cases.
- Conducted fraud verification and MIS tracking.
Agency Manager - Desha Management Pvt. Ltd & SVRC, Pune - Pune
(2009-06 - 2012-11)
- Managed field and sampling teams.
- Reviewed investigation reports and vendor billing.
- Coordinated with multiple banks (DCB, ABN AMRO, Barclays, Religare).
Executive – Field (Fraud Control Unit) - Kotak Mahindra Bank Ltd (DRA)
(2008-04 - 2009-05)
- Conducted field verification and fraud detection.
- Ensured timely case closure within TAT.
Education
Bachelor of Arts - Kolhapur University
HSC - Maharashtra Board
SSC - Maharashtra Board
