Key Relationship Manager - Used Car

Equitas Small Finance Bank Ltd.; Delhi; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Equitas Small Finance Bank Ltd. is hiring a Key Relationship Manager for the Used Car portfolio in the North Zone. The role focuses on driving used vehicle disbursements, maintaining portfolio quality, and achieving productivity targets in a branch setup.

The candidate should have 5-11 years of experience, strong leadership, and customer-focus skills to manage relationships and ensure profitability within the Used Car department.

Qualifications

• 5-11 years of experience in related field.
• Experience in used car finance or vehicle portfolios is preferred.
• Strong customer focus and relationship management skills.

Responsibilities

• Deliver used car disbursements as per productivity norms.
• Maintain branch profitability and adherence to WIRR/PF targets.
• Execute PDD collection plan and monitor delinquency within thresholds.
• Manage and monitor portfolio quality; follow up on ED cases for timely resolution.
• Coordinate training; ensure mandays per team member meet targets.
• Uphold process orientation and maintain audit-ready standards.
• Lead and manage the sales team; monitor attrition and incentive eligibility.

Skills

Strategic Business Orientation

Leadership

Sustainability

Result Orientation

Customer Focus

Job description

Required Experience 5 - 11 years

Employment Type Permanent

Employment Category Field

Entity Equitas Small Finance Bank

Business Unit Assets

Department Used Car

Generic Role Sales Officer

External Title Key Relationship Manager - Used Car

Zone North

Branch Code 20014

Skills

Skill

Strategic Business Orientation Leadership Through Sustainability Result Orientation with Execution Excellence Customer Focus

• Deliver UC disbursemet 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

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