Key Relationship Manager - Used Car

Equitas Small Finance Bank Ltd.; Jalandhar; On-site; INR 600,000 - 900,000; Full time

Job summary

Equitas Small Finance Bank is seeking a Key Relationship Manager - Used Car to drive used car portfolio growth in the North zone. You will manage relationships, coordinate branch activities, and ensure achievement of disbursement and portfolio quality targets.

The role emphasizes customer focus, strategic leadership, and the ability to drive sustainable results within a bank’s asset financing arm. This is a permanent, on-site position based in North zone with branch responsibilities.

Responsibilities

• Deliver UC disbursement as per productivity norms by managing SO productivity.
• Maintain branch profitability with WIRR to 17% and PF to 1.1%.
• PDD collection plan with 60+ DPD targets within 5%.
• Monitor portfolio quality and ED case resolutions within 12 months.
• Conduct trainings with Mandays per team member as per annexures.
• Ensure process orientation and audit scores above standard.
• Manage a team and monitor attrition and incentive eligibility.

Skills

Strategic orientation

Leadership

Customer focus

Sustainability

Innovation

Job description

Posted On 09 Oct 2026

End Date 08 Nov 2026

Required Experience 5 - 9 years

Basic Section

No. Of Openings 1

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

Branch Code 15026

Skills

Skill

Strategic Business Orientation Leadership Through Sustainability Innovation Led Transformation Customer Focus

1. 1 Deliver UC disbursemet as per productivity norms by managing SO productivity 40% Branch Sales Manager Productivity as defined As per annexure 1
2. 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. 3 PDD Collection Plan 10% Branch 60+DPD PDD should be with in 5% As per annexure 3
4. 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. 5 Training Mandays 5% Average Mandays of Training per Team Member As per annexure 5
6. 6 Process Orientation 5% Audit Score As per annexure 6
7. 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