Key Relationship Manager - Used Car

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

Job summary

Equitas Small Finance Bank Ltd. in Lucknow is seeking a Key Relationship Manager for the Used Car desk. You will drive disbursements, manage SO productivity, and help achieve branch sales targets while maintaining profitability and customer focus.

You will oversee collections, PDD targets, and portfolio quality, ensuring timely ED resolutions, along with training and process improvements for the team.

Qualifications

• Experience in used-car finance or relationship management.
• Strong track record in branch profitability and sales targets.
• Ability to manage collections and portfolio quality.

Responsibilities

• Deliver UC disbursement as per productivity norms by managing SO productivity 40%.
• Maintain branch profitability with WIRR targets and PF levels as defined.
• Execute PDD collection plan and maintain 60+ DPd within target range.
• Monitor portfolio quality and coordinate timely ED case resolutions.
• Plan and track training mandays for team development.
• Ensure process orientation and uphold audit standards.
• Lead and manage the Used Car team, focusing on retention and incentive metrics.

Skills

Strategic Orientation

Leadership

Sustainability

Innovation

Transformation

Customer Focus

Job description

Key Relationship Manager - Used Car

Employment Type Permanent

Employment Category Field

Entity Equitas Small Finance Bank

Business Unit Assets

Department Used Car

Generic Role Sales Officer

Zone North

Branch Code 17013

Branch Name Lucknow

Skills

Strategic Business Orientation Leadership Through Sustainability Innovation Led Transformation Customer Focus

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