Credit Officer

Equitas Small Finance Bank Ltd.; Agra District; On-site; INR 350,000 - 550,000; Full time

Job summary

Equitas Small Finance Bank is seeking a Credit Officer for the Agra branch. The role requires 1-4 years of experience in credit operations and a permanent appointment.

You will handle pre-disbursement documentation, ensure file completeness, and coordinate with HO for timely processing. The position is based in Agra and reports to the VF department's Credit sub-department.

Qualifications

• 1-4 years experience in credit/banking
• Knowledge of credit norms and TATs will be beneficial
• Experience with pre-disbursement processes preferred

Responsibilities

• Prepare CAM with pre-disbursement documents per credit norms and 30% TAT.
• Ensure file completeness before loan disbursement (FTR per matrix).
• Dispatch physical file to HO within the prescribed matrix timing.
• Complete PDD on time for loans disbursed.

Skills

Strategic orientation

Leadership

Sustainability

Innovation

Customer focus

Job description

Basic Section

Required Experience 1 - 4 years

External Title Credit Officer

Employment Type Permanent

Employment Category Field

Organisational

Entity Equitas Small Finance Bank

Business Unit Assets

Department VF

Sub-Department Credit

Generic Role Credit Officer

External Title (Job Role) Credit Officer

Zone North

Branch Code 17008

Branch Name Agra

Skills

Skill

Strategic Business Orientation Leadership Through Sustainability Innovation Led Transformation Customer Focus

• 1 To prepare CAM with all the pre disbursement documents in place as per the Credit norms and within the prescribed TAT (Pre Disbursement) 30% TAT As per annexure 1
• 2 Ensure that file is complete in all aspects before the loan is disbursed (FTR as per the matrix) 20% First Time Right % As per annexure 2
• 3 Physical File Dispatch to HO as per the matrix 20% TAT of Physical Dispatch As per annexure 3
• 4 Completion of PDD on time for the loans disbursed 20% % of On time PDD completion As per annexure 4