Area Credit Manager

Equitas Small Finance Bank Ltd.; Ahmedabad District; In loco; INR 1.500.000 - 2.100.000; Tempo pieno

Descrizione del lavoro

Equitas Small Finance Bank invites applications for an Area Credit Manager at the Ahmedabad Regional Office. The role focuses on diligent loan appraisal, adherence to credit policy, and collaboration with the sales team to meet targets.

You will train staff, drive audit compliance, and ensure timely PDD completion for disbursed loans. Ideal candidates bring 5–18 years of relevant experience, strong policy discipline, and a proven track record in credit management within a regional bank

Competenze

• Appraise loan applications per credit policy including NCV, UCV and Used Car thresholds.
• Support the sales team to achieve objectives with collaboration.
• Ensure loan files are complete before disbursement and train the team.
• Ensure audit compliance across branches and process orientation.
• Ensure timely completion of PDD for loans disbursed.
• Lead team management and develop team capabilities.

Mansioni

• To diligently appraise loan applications in line with credit policy of the organization - NCV, UCV & Used Car thresholds as per threshold levels.
• Support the sales team in achieving their objectives (Collaboration).
• Ensure that file is complete in all aspects before the loan is disbursed as per FTR by training the team.
• Ensure Audit Compliance across branches (Process Orientation).
• Ensure Completion of PDD on time for the loans disbursed.
• Team Management.
• Team Development with training to team.

Conoscenze

Credit appraisal

Loan policy adherence

Team collaboration

Audit compliance

Descrizione del lavoro

Posted On 22 Oct 2026

End Date 05 Nov 2026

Required Experience 5 - 18 years

Basic Section

No. Of Openings 1

External Title Area Credit Manager

Employment Type Permanent

Employment Category Field

Organisational

Entity Equitas Small Finance Bank

Business Unit Assets

Department VF

Sub-Department Credit

Generic Role Area Credit Manager

External Title (Job Role) Area Credit Manager

Zone West

PT Location Ahmedabad Regional Office VF-AHMBD

Branch Code AHMBD

Skills

Skill

Working Language

Job Description

Area Credit Manager

Weightage 100 %

SNO. OBJECTIVE WEIGHTAGE KEY PERFORMANCE INDICATOR Annexure

1 To diligently appraise loan applications in line with credit policy of the organization - NCV, UCV & Used Car 'ED as per treshold levels and ''Quick Mortality% 35% ED as per Treshold Levels
Quick Mortality as per Threshold level Annexure 1

2 Support the sales team in achieving their objectives (Colloboration) 20% Target Vs. Achievement Annexure 2

3 Ensure that file is complete in all aspects before the loan is disbursed as per FTR by training the team 15% FTR% Annexure 3

4 Ensure Audit Compliance across branches (Process Orientation) 10% Audit Compliance Annexure 4

5 Ensure Completion of PDD on time for the loans disbursed 10% PPD Completion Annexure 5

6 Team Management 5% Attritiion % Annexure 6

7 Team Development 5% Training to Team Annexure 7

Annexure - 1

Scoring method 5
(Outstanding) 4
(Excellent) 3
(Very Good) 2
(Good) 1
(Adequate)

ED as per Treshold Levels - NCV <=1.5% 1.5-2% 2-2.5% 2.5-3% >3%

ED as per Treshold Levels - UCV <=2 2-2.5% 2.5-3% 3-4% >4%

Annexure - 2

Scoring method 5
(Outstanding) 4
(Excellent) 3
(Very Good) 2
(Good) 1
(Adequate)

Support the sales team in achieving their objectives (Colloboration) 100% <95% to 99% <90% to 94% <85% to 89% <80% to 84%

Annexure - 3

Scoring Method 5
(Outstanding) 4
(Excellent) 3
(Very Good) 2
(Good) 1
(Adequate)

Ensure that file is complete in all aspects before the loan is disbursed as per FTR by training the team >95% 91-95% 86-90% 80-85% <80%

Annexure-4

Market Intellegence 5
(Outstanding) 4
(Excellent) 3
(Very Good) 2
(Good) 1
(Adequate)

Ensure Audit Compliance across branches (Process Orientation) >95% 91-95% 86-90% 80-85% <80%

Annexure-5

Scoring method 5
(Outstanding) 4
(Excellent) 3
(Very Good) 2
(Good) 1
(Adequate)

Ensure Completion of PDD on time for the loans disbursed >95% 91-95% 86-90% 80-85% <80%

Team Management

Scoring method 5
(Outstanding) 4
(Excellent) 3
(Very Good) 2
(Good) 1
(Adequate)

Attrition % <10% Annualized Attrition 11% - 15% Annualized Attrition 16% - 25% Annualized Attrition 26% -35% Annualized Attrition >35% Annualized Attrition

Team Development

Scoring method 5
(Outstanding) 4
(Excellent) 3
(Very Good) 2
(Good) 1
(Adequate)

Average Mandays of Training per Team Member >=3 2.5-2.99 2-2.49 1-1.99 <1