Branch Relationship Executive - Used Car

Equitas Small Finance Bank Ltd.; Ludhiana; On-site; INR 450,000 - 650,000; Full time

Job summary

Equitas Small Finance Bank in Ludhiana (North Zone) invites applications for Branch Relationship Executive - Used Car. The role requires 4-5 years of experience in branch relationships and sales, with the ability to drive used car financing and cross-sell products at the branch level.

Based in Ludhiana, you will handle UC disbursements, monitor portfolio health, coordinate with collections, and mentor junior staff while ensuring branch profitability and adherence to productivity and audit

Qualifications

• Experience of 4–5 years in banking sales or relationship roles.
• Exposure to used car/auto finance domain preferred.
• Understanding of branch operations and product cross-selling.

Responsibilities

• Deliver UC disbursement as per productivity norms.
• Maintain branch profitability and key metrics (WIRR/PF).
• Execute PDD collection plans and target 60+ DPd within limits.
• Manage portfolio quality and ED-case follow-up with timely resolution.
• Coordinate training and ensure team Mandays targets.
• Uphold process discipline and audit standards.
• Lead and mentor team to achieve incentives and targets.

Skills

Customer Focus

Result Orientation

Execution Excellence

Human Capital

Passion at Work

Job description

Branch Relationship Executive - Used Car...

Branch Relationship Executive - Used Car...

EQU/BRE-UC/1902564

• Equitas Small Finance Bank
• Emerging Enterprise Banking>North>Punjab>Punjab>Punjab>Punjab>Punjab>15027>Ludhiana

Posted On 22 Oct 2026

End Date 21 Nov 2026

Required Experience 4 - 5 years

Basic Section

No. Of Openings 1

External Title Branch Relationship Executive - Used Car

Employment Type Permanent

Employment Category Field

Organisational

Entity Equitas Small Finance Bank

Business Unit Assets

Department Used Car

Generic Role Sales Officer

External Title (Job Role) Branch Relationship Executive - Used Car

Zone North

Branch Code 15027

Branch Name Ludhiana

Skills

Skill

Customer Focus Result Orientation with Execution Excellence Leveraging Human Capital Weaving Passion and Energy at Work

1 Deliver UC disbursemet as per productivity norms by managing SO productivity 40% Branch Sales Manager Productivity as defined As per annexure 1

2 Maintain branch profitability
WIRR to be 17% and PF to be 1.1% 20% WIRR to be 17% & PF to be 1.1% As per annexure 2

3 PDD Collection Plan 10% Branch 60+DPD PDD should be with in 5% As per annexure 3

4 Manage and monitor the portfolio quality and follow up with ED cases for timely resolution 10% % of ED (12 months) As per annexure 4

5 Training Mandays 5% Average Mandays of Training per Team Member As per annexure 5

6 Process Orientation 5% Audit Score As per annexure 6

7 Team Management 10% % of Attrition & % of eligible employees earning incentive As per annexure 7

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)

% Achievement >120% 100% - 120% 95% - 100% 85% - 95% <85%

Annexure - 3

Scoring method 5
(Outstanding) 4
(Excellent) 3
(Very Good) 2
(Good) 1
(Adequate)

% of ED (12 months) <=1.0% 1.1 - 2.0% 2.1 - 3.0% 3.1 - 4.0 % > 4.0%

Annexure - 4

Scoring method 5
(Outstanding) 4
(Excellent) 3
(Very Good) 2
(Good) 1
(Adequate)

% Achievement >120% 100% - 120% 95% - 100% 85% - 95% <85%

Annexure - 5

Scoring method 5
(Outstanding) 4
(Excellent) 3
(Very Good) 2
(Good) 1
(Adequate)

% Achievement >120% 100% - 120% 95% - 100% 85% - 95% <85%

Annexure-6

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

Annexure-7

Scoring method 5
(Outstanding) 4
(Excellent) 3
(Very Good) 2
(Good) 1
(Adequate)

Audit Score >95% 91 - 95% 81-90% 71-80% <71

Annexure-8

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