Branch Business Head

Equitas Small Finance Bank; Delhi; On-site; INR 2,500,000 - 3,500,000; Full time

Job summary

Equitas Small Finance Bank Ltd. is seeking a Branch Business Head for the Karol Bagh branch in the North Zone. The role requires 10-15 years of relevant experience in branch leadership and financial services, with a track record of achieving disbursement targets and managing branch operations.

Based in Delhi, you will drive strategic initiatives, team development, and customer-focused growth while ensuring compliance and risk management across all branches.

Qualifications

• 10-15 years of experience in branch/field leadership in banking or financial services.
• Proven ability to drive disbursement targets and branch performance.
• Strong leadership, strategic thinking and customer focus.

Responsibilities

• Achieve disbursement targets as per budget plan.
• Ensure SO productivity as per target.
• Branch portfolio management and growth.
• Timely completion of loan processing (PDD).
• Cross-sell penetration and revenue growth.
• WIRR as per product matrix.
• Team management and development.
• Culture ambassador and HR branch involvement.
• Maintain governance and performance tracking with annexures.

Skills

Strategic

Business Orientation

Leadership

Sustainability

Innovation

Transformation

Customer Focus

Job description

End Date 06 Dec 2026

Required Experience 10 - 15 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 20003

Branch Name Karol Bagh

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