Credit Officer

Equitas Small Finance Bank; Ambala; On-site; INR 450,000 - 650,000; Full time

Job summary

Equitas Small Finance Bank invites a skilled Credit Officer for Ambala. You will manage pre-disbursement processes, ensure file completeness, and adhere to credit norms within prescribed TAT.

This permanent role requires 4–5 years of relevant experience and a focus on risk-aware lending at the branch level. You will coordinate with branch and HO, dispatch documents, and ensure timely post-disbursement delivery.

Qualifications

• Prepare CAM with pre-disbursement documents as per the Credit norms and within prescribed TAT (Pre Disbursement) 30% TAT
• Ensure that file is complete in all aspects before the loan is disbursed (FTR as per the matrix) 20% First Time Right
• Physical File Dispatch to HO as per the matrix 20% TAT of Physical Dispatch
• Completion of PDD on time for the loans disbursed 20%

Responsibilities

• Prepare CAM with pre-disbursement documents as per the Credit norms and within prescribed TAT (Pre Disbursement) 30% TAT
• Ensure that file is complete in all aspects before the loan is disbursed (FTR as per the matrix) 20% First Time Right
• Physical File Dispatch to HO as per the matrix 20% TAT of Physical Dispatch
• Completion of PDD on time for the loans disbursed 20%

Skills

Strategic Business Orientation

Leadership Through Sustainability

Innovation Led Transformation

Customer Focus

Job description

End Date 06 Dec 2026

Required Experience 4 - 5 years

Basic Section

No. Of Openings 1

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 11018

Branch Name Ambala

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