Branch Relationship Officer - Used Car

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

Job summary

Equitas Small Finance Bank invites applications for a Branch Relationship Officer - Used Car at Allahabad. The role focuses on driving used car disbursements, managing branch profitability, and maintaining portfolio quality with timely ED resolutions.

You will monitor performance against defined annexures, lead a small team, and ensure adherence to process standards while delivering high customer focus in a busy branch environment.

Qualifications

• Experience in Used Car and branch relationship management.
• Ability to meet disbursement and productivity targets.
• Understanding WIRR and PF metrics.
• Portfolio quality monitoring and ED case resolution.
• Training and process orientation.
• Team management and incentive tracking.

Responsibilities

• Deliver UC disbursement as per productivity norms.
• Maintain branch profitability and WIRR/PF targets.
• Execute PDD collection plan within targets.
• Monitor portfolio quality and ED case resolutions.
• Coordinate training and process orientation; manage team.

Skills

Strategic Thinking

Leadership

Sustainability

Innovation

Customer Focus

Job description

Posted On 21 Oct 2026

End Date 20 Nov 2026

Required Experience 4 - 5 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 17009

Branch Name Allahabad

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