Branch Relationship Officer - Used Car

Equitas Small Finance Bank Ltd.; Karnal; On-site; INR 550,000 - 750,000; Full time

Job summary

Equitas Small Finance Bank is seeking a Branch Relationship Officer for the Used Car portfolio in the North region. The role involves driving UC disbursements, maintaining branch profitability, and ensuring timely recoveries while managing a small team at Branch Code 11012.

The candidate will focus on portfolio health, PDD targets, training, and process discipline, reporting to the Used Car Department. Location: North zone; permanent employment.

Qualifications

• Deliver UC disbursement as per productivity norms.
• Maintain branch profitability and key metrics (WIRR and PF).
• PDD collection plan with 60+ DPd; target within 5%.
• Manage portfolio quality and timely ED case resolutions.
• Training mandays and team development.
• Process orientation and audit readiness.
• Monitor attrition and incentive eligibility for the team.

Responsibilities

• Deliver UC disbursement as per productivity norms by managing SO productivity 40% branch sales manager productivity as defined in annexure 1.
• Maintain branch profitability with WIRR to 17% and PF to 1.1% as per annexure 2.
• Execute PDD collection plan targeting 60+ DPd within 5% variance as per annexure 3.
• Monitor portfolio quality and ED cases for timely resolution (ED % within 12 months).
• Oversee training mandays and ensure team meets mandated development hours.
• Ensure process orientation and audit scores meet defined standards.
• Lead and manage the team to achieve attrition and incentive benchmarks.

Skills

Strategic Business Orientation

Leadership Through Sustainability

Innovation Led Transformation

Customer Focus

Job description

Posted On 12 Oct 2026

End Date 11 Nov 2026

Required Experience 5 - 7 years

Basic Section

No. Of Openings 1

External Title Branch Relationship Officer - 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 Officer - Used Car

Zone North

Branch Code 11012

Skills

Skill

Strategic Business Orientation Leadership Through Sustainability Innovation Led Transformation Customer Focus

• 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