Branch Credit Manager

Equitas Small Finance Bank Ltd.; Agra District; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Equitas Small Finance Bank invites applications for a Branch Credit Manager at Agra, North zone. The role focuses on evaluating loan applications per policy, supporting sales targets, and ensuring complete files before disbursement. It requires 5–8 years of experience and permanent employment at the Agra branch.

The candidate will drive credit decisions with adherence to risk controls, while mentoring the team to meet FTR targets and maintain strong audit compliance across the network.

Qualifications

• Appraise loan applications in line with credit policy (NCV/UCV/Used Car ED thresholds).
• Support sales in achieving objectives through collaboration.

Responsibilities

• Ensure loan files are complete before disbursement (FTR).
• Maintain audit compliance across branches via process orientation.

Skills

Strategic Business Orientation

Leadership

Sustainability

Innovation Led Transformation

Customer Focus

Job description

Posted On 14 Oct 2026

End Date 13 Nov 2026

Required Experience 5 - 8 years

Basic Section

No. Of Openings 1

External Title Branch Credit Manager

Employment Type Permanent

Employment Category Field

Organisational

Entity Equitas Small Finance Bank

Business Unit Assets

Department VF

Sub-Department Credit

Generic Role Branch Credit Manager

External Title (Job Role) Branch Credit Manager

Zone North

Branch Code 17008

Branch Name Agra

Skills

Skill

Strategic Business Orientation Leadership Through Sustainability Innovation Led Transformation Customer Focus

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