Branch Business Head

Equitas Small Finance Bank; Meerut; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Equitas Small Finance Bank in North Zone (Meerut) seeks a Branch Business Head to lead operations at the branch level. The role focuses on achieving disbursement targets, growing the branch portfolio, and driving cross-sell of banking products.

You will manage a team, ensure compliant loan processing, and maintain service quality. Responsibilities include optimizing productivity, training, attrition control, and upholding the bank's culture while delivering strong business results at the branch.

Qualifications

• Experience driving loan disbursements and meeting targets.
• Ability to manage branch productivity and process efficiency.
• Proven track record in managing a bank branch portfolio.
• Experience ensuring timely completion of loan processing & documentation.
• Strong cross-selling skills across banking products.
• Familiarity with product performance metrics (WIRR).
• People management with team leadership capabilities.
• Focus on team development and training needs.
• Role model for branch culture and customer service

Responsibilities

• Achieve disbursal targets as per budget and annexures.
• Maintain SO productivity per defined targets and annexures.
• Oversee branch portfolio health and risk controls.
• Ensure timely completion of PDD for loans issued.
• Drive cross-sell penetration across products.
• Monitor WIRR as per product matrix targets.
• Lead and develop branch team; manage mandays of training.
• Support talent development; track attrition and incentives.
• Act as culture ambassador; drive branch visit score improvements.

Skills

Disbursement targets

SO productivity

Branch portfolio

PDD completion

Cross-sell penetration

WIRR product Matrix

Team management

Team development

Culture ambassador

Job description

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 17006

Skills

Skill

Result Orientation with Execution Excellence Leveraging Human Capital Strategic Business Orientation Weaving Passion and Energy at Work

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