Bharani Kumar Cfap
Head - Fraud Risk Management / RCU
- Role
- Head of Fraud Risk Management Rcu at Varthana
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Bharani Kumar Cfap
With over 22 years of experience in Banking, NBFC, and Housing Finance, I specialize in Fraud Risk Management, Risk Containment Unit (RCU) strategy, and financial crime investigations. My professional journey has been driven by a strong commitment to strengthening risk frameworks, detecting fraud patterns early, and building resilient operational processes that protect organizations from financial and reputational risk. Currently serving as National Head – RCU (School & Student Loans) at Varthana Finance, I lead initiatives focused on fraud prevention, portfolio monitoring, early warning detection, and regulatory compliance. My role involves building scalable risk controls, strengthening investigation processes, and enabling data-driven decisions to safeguard lending portfolios. Over the years, I have had the opportunity to work with leading institutions such as Muthoot Finance, Indiabulls Housing Finance, Kotak Mahindra Bank, Deutsche Bank, and GE Money, where I contributed to building strong RCU frameworks, fraud investigation mechanisms, and analytics-driven monitoring systems. My expertise includes: Fraud Risk Strategy & RCU OperationsFinancial Crime Investigation & Regulatory ReportingRBI Compliance & Fraud Monitoring (FMR / STR processes)Portfolio Risk Analytics & Early Warning SignalsInternal Fraud Investigations & Vendor/Employee VettingProcess Automation & Cost OptimizationBuilding and leading high-performing risk teams Beyond processes and policies, I strongly believe in empowering teams, encouraging analytical thinking, and fostering a culture of accountability and continuous improvement. I am passionate about leveraging risk analytics, market intelligence, and investigative frameworks to stay ahead of evolving fraud risks in the financial ecosystem.
Experience
Head of Fraud Risk Management Rcu
May 2022 — Present · Bengaluru, IN
As Head of Fraud Risk Management at Varthana Finance, I lead the development and execution of comprehensive strategies to detect, prevent, and mitigate fraud risks across our operations. With a strong foundation in risk governance, analytics, and investigative methodologies, I work cross-functionally to safeguard assets, enhance controls, and drive a culture of integrity and compliance. Passionate about using data-driven insights and technology to stay ahead of emerging threats, I’m committed to building resilient systems that protect both the company and our customers.
Education
Christ University, Bangalore
Bcom, Commerce
1997 — 2000
National Institute of Business Management
Master of Business Administration (MBA), Banking & Operations Management
2011 — 2013
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