Branch Business Head

Equitas Small Finance Bank Ltd.; Ambala; On-site; INR 1,200,000 - 1,900,000; Full time

Job summary

Equitas Small Finance Bank Ambala branch is seeking a Branch Business Head with 5-8 years of leadership experience in banking. The role oversees branch performance, targets, and team development, guiding strategic initiatives to grow disbursements, cross-sell, and customer satisfaction in the Ambala area.

The candidate will lead the branch under North Zone, ensuring compliance, risk controls, and superior service delivery to drive portfolio growth and profitability.

Qualifications

• Minimum 5-8 years of leadership experience in banking or financial services.
• Experience in branch performance management and target achievement.

Responsibilities

• Achieve disbursement targets as per budget plan.
• Ensure SO productivity as per target.
• Manage Branch Portfolio growth and quality.
• Ensure timely completion of PDD for loans disbursed.
• Drive Cross Sell penetration and revenue growth.
• Monitor WIRR against product matrix.
• Lead and develop the branch team.
• Foster a culture of customer focus and service excellence.

Skills

Strategic Orientation

Leadership

Sustainability

Innovation

Customer Focus

Job description

Posted On 27 Oct 2026

End Date 26 Nov 2026

Required Experience 5 - 8 years

Basic Section

No. Of Openings 1

External Title Branch Business Head

Employment Type Permanent

Employment Category Field

Organisational

Entity Equitas Small Finance Bank

Business Unit Assets

Department VF

Sub-Department Business

Generic Role Branch Manager

External Title (Job Role) Branch Business Head

Zone North

Branch Code 11018

Branch Name Ambala

Skills

Skill

Strategic Business Orientation Leadership Through Sustainability Innovation Led Transformation Customer Focus

1 Achieve disbursement targets
as per budget plan [UCV & NCV] 20% Actual Disbursement Vs Objectives As per annexure 1

2 Ensure SO productivty as per target 20% % Achievement As per annexure 2

3 Branch Portfolio 15% % Achievement As per annexure 3

4 Completion of PDD on time for the loans disbursed 10% % Achievement As per annexure 4

5 Cross Sell Penetration 10% % Achievement As per annexure 5

6 WIRR as per product Matrix 10% % Achievement As per annexure 6

7 Team Management 5% Average Mandays of Training per Team Member As per annexure 7

8 Team Development 5% % of Attrition & % of eligible employees earning incentive As per annexure 8

9 Culture Ambasaddor 5% HR Branch Visit Score As per annexure 9

Weightages for NCV/UCV will be basis the budgeted disbursement numbers

Annexure - 1

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

Actual Disbursement Vs Objectives >110% 101 - 110% 91 - 100% 80 - 90% <80%

Annexure - 2

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

Actual Disbursement Vs Objectives >110% 101 - 110% 91 - 100% 80 - 90% <80%

Annexure - 3

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

% of POS depending on seasoning of branch Seasoning (months)

30 + POS % < 2.00% 2.01-2.50% 2.51-3.00% 3.01-3.50% >3.50% 3-5 months

<3.00% 3.01-3.50% 3.51-4.00% 4.01-4.50% >4.50% 6-12 months

60 + POS % <3.00% 3.01-3.50% 3.51-4.00% 4.01-4.50% >4.50% 13-18 months

Gross NPA % <3.00% 3.01-3.75% 3.76-4.50% 4.51-5.25% >5.25% 19-24 months

<4.00% 4.01-5.00% 5.01-6.00% 6.01-7.00% >7.00% > 24 months

Annexure - 4

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

% Achievement 100% 95%-99% 91% - 95% 85% - 90% <85%

Annexure - 5

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

% Achievement <=5% 5.1 - 5.5% 5.6 - 6.0% 6.1 - 6.5% > 6.5%

Annexure - 6

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

% Achievement >120% 100% - 120% 95% - 100% 85% - 95% <85%

Annexure-7-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

% of eligible employees earning incentive >75% of employees earned incentive >50%-75% of employees earned incentive 35%-49% of employees earned incentive 20-34% of employees earned incentive <20% of employees earned incentive

Annexure-8-Training Mandays

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

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

HR Branch Visit Score (Average of Branches) <1.25 1.25-1.5 1.5-1.75 1.76-2 >2