Branch Relationship Officer - Used Car

Equitas Small Finance Bank Ltd.; Sangrur; On-site; INR 480,000 - 720,000; Full time

Job summary

Equitas Small Finance Bank Sangrur is seeking a Branch Relationship Officer - Used Car to drive used car business from the Sangrur branch. The role requires 5-7 years of experience and is a permanent, on-site position within the Used Car department.

You will be accountable for disbursement productivity, profitability metrics, and portfolio quality. The candidate will coordinate with the branch team to achieve UC targets, monitor ED risk, and support training initiatives while ensuring compliance

Qualifications

• Deliver UC disbursements as per productivity norms by managing SO productivity 40% Branch Sales Manager Productivity as defined As per annexure 1
• 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
• PDD Collection Plan 10% Branch 60+DPD PDD should be with in 5% As per annexure 3
• Manage and monitor the portfolio quality and follow up with ED cases for timely resolution 10% % of ED (12 months) As per annexure 4
• Training Mandays 5% Average Mandays of Training per Team Member As per annexure 5
• Process Orientation 5% Audit Score As per annexure 6
• Team Management 10% % of Attrition & % of eligible employees earning incentive As per annexure 7

Responsibilities

• Deliver UC disbursements as per productivity norms.
• Maintain branch profitability with WIRR and PF targets.
• PDD collection plan targeting 60+ DP and 5% deviation.
• Monitor portfolio quality and follow up ED cases for timely resolution.
• Ensure training mandays targets per team member.
• Maintain process orientation score through audits.
• Manage team attrition and incentive achievement.

Skills

Strategic Orientation

Leadership

Sustainability

Innovation

Transformation

Customer Focus

Job description

Posted On 15 Oct 2026

End Date 14 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 15028

Branch Name Sangrur

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