Branch Credit Manager

Equitas Small Finance Bank Ltd.; Kanpur; On-site; INR 800,000 - 1,500,000; Full time

Job summary

Equitas Small Finance Bank invites applications for a Branch Credit Manager at Kanpur, North Zone. The role focuses on credit appraisal aligned with policy, collaboration with sales, and ensuring complete, compliant loan processing across the branch network.

The incumbent will lead team development, drive adherence to FTR, and sustain audit compliance while delivering consistent performance in a dynamic field environment.

Qualifications

• To diligently appraise loan applications in line with credit policy.
• Support the sales team in achieving objectives through collaboration.
• Ensure file completeness before loan disbursal as per FTR.
• Ensure Audit Compliance across branches.
• Ensure Completion of PDD on time for loans disbursed.
• Team Management and development.

Responsibilities

• To diligently appraise loan applications in line with credit policy of the organization - NCV, UCV & Used Car 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 and Team Development with training to the team.

Skills

Innovation Led Transformation

Result Orientation

Execution Excellence

Leveraging Human Capital

Passion at Work

Job description

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 17007

Branch Name Kanpur

Skills

Skill

Innovation Led Transformation Result Orientation with Execution Excellence Leveraging Human Capital Weaving Passion and Energy at Work

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