Branch Credit Manager

Equitas Small Finance Bank Ltd.; Lucknow; Vor Ort; INR 800.000 - 1.200.000; Vollzeit

Zusammenfassung

Equitas Small Finance Bank Ltd. in Lucknow is seeking a Branch Credit Manager to oversee credit appraisal and policy compliance at the branch level. You will partner with the sales team to meet targets while upholding strict credit standards and ensuring complete loan documentation before disbursal.

The role requires 4-5 years of relevant experience, strong leadership, risk awareness and an ability to train and develop branch staff. Permanent position based in Lucknow, under the North Zone.

Qualifikationen

• Diligently appraise loan applications in line with credit policy (NCV, UCV & Used Car) thresholds.
• Support the sales team in achieving objectives and collaboration with branches.
• Ensure file is complete before loan disbursal as per FTR and train the team.
• Ensure Audit Compliance across branches and process orientation.
• Ensure Completion of PDD on time for loans disbursed.
• Lead and manage the branch credit team.
• Develop the team through training and mentoring.

Aufgaben

• Diligently appraise loan applications in line with credit policy.
• Collaborate with the sales team to achieve targets and drive approvals.
• Verify that loan files are complete before disbursement and train staff.
• Ensure audit compliance across branches and maintain process discipline.
• Monitor PDD completion timelines for loans disbursed.
• Manage and develop the branch credit team.
• Drive continuous improvement in credit risk controls.

Kenntnisse

Strategic Orientation

Leadership

Sustainability

Innovation

Customer Focus

Credit Appraisal

Team Management

Jobbeschreibung

Required Experience 4 - 5 years

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 17013

Branch Name Lucknow

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
• 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