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Credit Officer

Position: EQU/CO/1729871
Company: Equitas Small Finance Bank
Location: Emerging Enterprise Banking > North > Himachal Pradesh > Punjab > Punjab > Punjab > Himachal Pradesh > 12002 > Una

Posted On: 27 Apr 2026
End Date: 27 May 2026
Required Experience: 3 - 4 years

Basic Section

- No. Of Openings: 1
- External Title: Credit Officer
- Employment Type: Permanent
- Employment Category: Field
- Closing Date: 27 May 2026

Organisational

- Entity: Equitas Small Finance Bank
- Business Unit: Assets
- Division/Function (SBU): Emerging Enterprise Banking
- Department: VF
- Sub-Department: Credit
- Generic Role: Credit Officer
- External Title (Job Role): Credit Officer
- Division: Emerging Enterprise Banking
- Zone: North
- State: Himachal Pradesh
- Region: Punjab
- Area: Punjab
- Cluster: Punjab
- PT Location: Himachal Pradesh
- Branch Code: 12002
- Branch Name: Una

Skills

- Leveraging Human Capital
- Strategic Business Orientation
- Customer Focus
- Leadership Through Sustainability
- Weaving Passion and Energy at Work

Highest Education

- UG

Working Language

- Hindi
- English

Key Result Area

SNO. | OBJECTIVE | WEIGHTAGE | KEY PERFORMANCE INDICATOR | Annexure | |------|-----------|-----------|---------------------------|----------| | 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 | | 5 | Self Development | 5% | Average Mandays of Training for Self | As per annexure 5 | | 6 | Process Orientation | 5% | Audit Score | As per annexure 6 |

Annexure - 1Scoring Method

Score | Description | |-------------|-----------------------| | 5 | Outstanding | | 4 | Excellent | | 3 | Very Good | | 2 | Good | | 1 | Adequate |

TAT
100% < 95% to 99% < 90% to 94% < 85% to 89% < 80% to 84%

Annexure - 2Scoring Method

Score | Description | |-------------|-----------------------| | 5 | Outstanding | | 4 | Excellent | | 3 | Very Positive | | 2 | Good | | 1 | Adequate |

First Time Right %
100% < 95% to 99% < 90% to 94% < 85% to 89% < 80% to 84%

Annexure - 3Scoring Method

Score | Description | |-------------|-----------------------| | 5 | Outstanding | | 4 | Excellent | | 3 | Very Good | | 2 | Good | | 1 | Adequate |

TAT of Physical Dispatch
100% < 95% to 99% < 90% to 94% < 85% to 89% < 80% to 84%

Annexure - 4Scoring Method

Score | Description | |-------------|-----------------------| | 5 | Outstanding | | 4 | Excellent | | 3 | Very Good | | 2 | Good | | 1 | Adequate |

% of On time PDD completion
100% < 95% to 99% < 90% to 94% < 85% to 89% < 80% to 84%

Annexure - 5Scoring Method

Score | Description | |-------------|-----------------------| | 5 | Outstanding | | 4 | Excellent | | 3 | Very Good | | 2 | Good | | 1 | Adequate |

Average Mandays of Training for Self

> = 3 2.5-2.99 2-2.49 1-1.99 < 1

Annexure - 6Scoring Method

Score | Description | |-------------|-----------------------| | 5 | Outstanding | | 4 | Excellent | | 3 | Very Good | | 2 | Good | | 1 | Adequate |

Audit Score

> 95% 91 - 95% 81-90% 71-80% < 71

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📌 Skill (Una)
🏢 Equitas Micro Finance India
📍 Una