Key Relationship Manager - Used Car

Equitas Small Finance Bank Ltd.; Dehradun; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Equitas Small Finance Bank Ltd. in Uttarakhand is seeking a Key Relationship Manager - Used Car with 7-10 years of experience to drive used-car disbursements and manage portfolio performance at a North zone branch.

The role focuses on relationship management, achieving productivity norms, portfolio quality, collections, and team leadership within the Used Car department.

Qualifications

• 7-10 years of relevant experience in relationship management for used cars.

Responsibilities

• Deliver used-car disbursements as per productivity norms.
• Maintain branch profitability with WIRR target 17% and PF 1.1%.
• Plan and monitor PDD collections; ensure target within stated thresholds.
• Manage and monitor portfolio quality; follow up with ED cases for timely resolution.
• Coordinate Training Mandays; ensure average training per team member.
• Ensure process orientation and achieve audit score targets.
• Manage team; monitor attrition and incentive eligibility.

Skills

Result Orientation

Execution Excellence

Human Capital

Innovation

Business Acumen

Passion at Work

Job description

Required Experience 7 - 10 years

Basic Section

External Title Key Relationship Manager - 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) Key Relationship Manager - Used Car

Zone North

State Uttarakhand

PT Location Uttarakhand

Branch Code 20015

Skills

Skill

Result Orientation with Execution Excellence Leveraging Human Capital Innovation & Business Acumen Weaving Passion and Energy at Work

• 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