Credit Officer Entity: Equitas Small Finance Bank

Business Unit: Assets

Division/Function (SBU): Emerging Enterprise Banking

Department: VF

Sub-Department: Credit

External Title: Credit Officer

Zone: North

State: Haryana

Region: Haryana

Area: Haryana

Cluster: Haryana

PT Location: Haryana

Branch Code: 11018

Branch Name: Ambala

Posted On: 06 Nov 2026

End Date: 06 Dec 2026

Closing Date: 06 Dec 2026

No. Of Openings: 1

Employment Type: Permanent

Employment Category: Field

Required Experience: 4 - 5 years

Skills

- Strategic Business Orientation
- Leadership Through Sustainability
- Innovation Led Transformation
- Customer Focus

Highest Education: UG

Working Language: Hindi, English

Key Result Area | S.No | Objective | Weightage | Key Performance Indicator | |------|----------------------------------------------------------------------------------------------|-----------|-------------------------------------| | 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 | 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 |





AnnexuresAnnexure - 1 Scoring method

Score | TAT | |-------------|-------------------------------------| | 5 (Outstanding) | 100% | | 4 (Excellent) | <95% to 99% | | 3 (Very Positive) | <90% to 94% | | 2 (Good) | <85% to 89% | | 1 (Adequate) | <80% to 84% |

Annexure - 2 Scoring method

Score | First Time Right % | |-------------|-------------------------------------| | 5 (Outstanding) | 100% | | 4 (Excellent) | <95% to 99% | | 3 (Very Good) | <90% to 94% | | 2 (Good) | <85% to 89% | | 1 (Adequate) | <80% to 84% |

Annexure - 3 Scoring method

Score | TAT of Physical Dispatch | |-------------|-------------------------------------| | 5 (Outstanding) | 100% | | 4 (Excellent) | <95% to 99% | | 3 (Very Good) | <90% to 94% | | 2 (Good) | <85% to 89% | | 1 (Adequate) | <80% to 84% |

Annexure - 4 Scoring method

Score | % of On time PDD completion | |-------------|-------------------------------------| | 5 (Outstanding) | 100% | | 4 (Excellent) | <95% to 99% | | 3 (Very Good) | <90% to 94% | | 2 (Good) | <85% to 89% | | 1 (Adequate) | <80% to 84% |

Annexure - 5 Scoring method

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

Annexure - 6 Scoring method

Score | Audit Score | |-------------|-------------------------------------| | 5 (Outstanding) | >95% | | 4 (Excellent) | 91 - 95% | | 3 (Very Good) | 81-90% | | 2 (Good) | 71-80% | | 1 (Adequate) | <71 |

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