Branch Credit Manager

EQU/BCM/1825689
Equitas Small Finance Bank
Inclusive Banking - SBL > North > Punjab > Punjab > Ludhiana > Ludhiana > Punjab > 15022 > Chandigarh

Posted On: 09 Aug 2026
End Date: 24 Aug 2026
Required Experience: 1 - 4 years

No. Of Openings: 1
External Title: Branch Credit Manager
Employment Type: Permanent
Employment Category: Field
Closing Date: 24 Aug 2026

Organisational Details

- Entity: Equitas Small Finance Bank
- Business Unit: Assets
- Division/Function (SBU): Inclusive Banking - SBL
- Department: Mortgages
- Sub-Department: Credit
- Generic Role: Branch Credit Manager
- External Title (Job Role): Branch Credit Manager
- Division: Inclusive Banking - SBL
- Zone: North
- State: Punjab
- Region: Punjab
- Area: Ludhiana
- Cluster: Ludhiana
- PT Location: Punjab
- Branch Code: 15022
- Branch Name: Chandigarh

Skills

- Skill: Channel Sales
- Highest Education: PG / UG
- Working Language: Hindi

Key Result Areas

Position: ABM - Retail

S.NO. | DESIRED RESULT | WEIGHTAGE | KEY PERFORMANCE INDICATOR | Annexure | |-------|------------------------------------------------|-----------|---------------------------------|-------------| | 1 | Early Delinquency | 20 | OD% on 12 Month Book-No. of cases | Annexure 1 | | 2 | TAT for agency reports | 15 | TAT of FI, RCU and Technical | Annexure 2 | | 3 | Business Target Achievement (Collaboration) | 15 | Branch Budget Vs. Actual | Annexure 3 | | 4 | Hind sighting/Audit | 15 | Credit Compliance/ Internal Audit Score | Annexure 4 | | 5 | Monitoring PDD Dispatch | 15 | PDD% collection | Annexure 5 | | 6 | Monitoring Sampling Activity | 10 | 20% Files Processed | Annexure 6 | | 7 | Team Management | 5 | Attrition% | Annexure 7 | | 8 | Team Development | 5 | Average Mandays of Training per Team Member | Annexure 8 |

AnnexuresAnnexure 1 - Early Delinquency Scoring

Score | Delinquency Rate | |--------------|--------------------| | 5 (Outstanding)



| <2% | | 4 (Excellent) | 2-4% | | 3 (Very Good) | 5-7% | | 2 (Good) | 8-9% | | 1 (Adequate) | >9% |

Annexure 2 - TAT for Agency Reports Scoring

Score | TAT Duration | |--------------|--------------------| | 5 (Outstanding) | < 4 Days | | 4 (Excellent) | 4-6 Days | | 3 (Very Good) | 7-11 Days | | 2 (Valuable) | 12-15 Days | | 1 (Adequate) | >15 Days |

Annexure 3 - Business Target Achievement Scoring

Score | Achievement Rate | |--------------|--------------------| | 5 (Outstanding) | 100% | | 4 (Excellent) | 96 - 99 % | | 3 (Very Good) | 91 - 95 % | | 2 (Good) | 81 - 90 % | | 1 (Adequate) | <81% |

Annexure 4 - Audit Score Scoring

Score | Audit Score | |--------------|--------------------| | 5 (Outstanding) | 100% | | 4 (Excellent) | 96 - 99 % | | 3 (Very Good) | 91 - 95 % | | 2 (Good) | 81 - 90 % | | 1 (Adequate) | <81% |

Annexure 5 - Monitoring PDD Dispatch Scoring

Score | Dispatch Rate | |--------------|--------------------| | 5 (Outstanding) | 100% | | 4 (Excellent) | 96 - 99 % | | 3 (Very Good) | 91 - 95 % | | 2 (Good) | 81 - 90 % | | 1 (Adequate) | <81% |

Annexure 6 - Monitoring Sampling Activity Scoring

Score | Sampling Rate | |--------------|---------------------------------------| | 5 (Outstanding) | 100% | | 4 (Excellent) | 96 - 99 % | | 3 (Very Good) | 91 - 95 % | | 2 (Good) | 81 - 90 % | | 1 (Adequate) | <81% |

Annexure 7 - Attrition % Scoring

Score | Attrition Rate | |--------------|-------------------------------------| | 5 (Outstanding) | <10% Annualized Attrition | | 4 (Excellent) | 11% - 15% Annualized Attrition | | 3 (Very Good) | 16% - 25% Annualized Attrition | | 2 (Good) | 26% - 35% Annualized Attrition | | 1 (Adequate) | >35% Annualized Attrition |

Annexure 8 - Average Mandays of Training per Team Member Scoring

Score | Mandays Training | |--------------|-----------------------| | 5 (Outstanding) | >=3 | | 4 (Excellent) | 2.5-2.99 | | 3 (Very Good) | 2-2.49 | | 2 (Good) | 1-1.99 | | 1 (Adequate) | <1 |

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