Credit Officer

Equitas Small Finance Bank; Kaithal; On-site; INR 600,000 - 900,000; Full time

Job summary

Equitas Small Finance Bank Kaithal branch is seeking a Credit Officer with 4-5 years of credit experience to manage pre-disbursement documentation, ensure file completeness, and oversee post-disbursement processes. The role requires adherence to credit norms and timely TAT compliance.

The candidate will coordinate with the VF department and Credit Sub-Department to ensure seamless loan processing from CAM preparation to PDD completion, contributing to secure and efficient loan disbursements.

Qualifications

• 4-5 years of relevant credit experience in banking or financial services.
• Experience in preparing pre-disbursement CAM and documents as per credit norms.
• Ability to verify file completeness before loan disbursement (FTR).
• Proven track record in timely completion of post-disbursement and related processes.

Responsibilities

• Prepare CAM with all pre-disbursement documents in place as per the credit norms within prescribed TAT (Pre Disbursement) 30% TAT.
• Ensure files are complete in all aspects before loan disbursement (FTR as per the matrix).
• Physically dispatch files to HO as per the matrix within TAT of Physical Dispatch.
• Ensure timely completion of PDD for loans disbursed and monitor on-time delivery.

Skills

Strategy Orientation

Leadership

Sustainability

Customer Focus

Job description

Posted On 31 Oct 2026

End Date 30 Nov 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 11011

Branch Name Kaithal

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