Job Title – Sales Team Member – Business Correspondent Job Profile: Role will be a Combination of Relation Manager & sales officer. Be part of fastest growing sales channel in financial services industry. As part of sales job, incumbent is required to do field work Job involves sourcing & nurturing of village by building relationship & cross selling Assest & liability products and investment products. He/She would be the bridge between the village and the bank branch. Managing & acquiring additional incremental customers from that particular village cluster for the bank. Though references/cold calling. Eligibility: Preferred Qualification: Graduate.

Gold Loan Relationship Officer-LOANS AGAINST GOLD-Marketing Branches Operations JOB DESCRIPTION Job Role: To develop sourcing channels for generating leads of Gold loans. Business Planning & development i.e. Tie-up with Dealers, DSAs & Brokers to generate leads for Gold loans Work closely with branch channel to drive Gold loans. Maintaining the Profitability of Business, Achievement of the Business Targets. Implement sales promotional activities as per bank norms, ensuring increment of sales in terms of volume and value. To ensure the availability and awareness of our product in every potential area of the market. Conduct retail activities to increase brand visibility and increase customer contact points.

Gold Loan Relationship Officer-LOANS AGAINST GOLD-Marketing Branches Operations JOB DESCRIPTION Job Role: To develop sourcing channels for generating leads of Gold loans. Business Planning & development i.e. Tie-up with Dealers, DSAs & Brokers to generate leads for Gold loans Work closely with branch channel to drive Gold loans. Maintaining the Profitability of Business, Achievement of the Business Targets. Implement sales promotional activities as per bank norms, ensuring increment of sales in terms of volume and value. To ensure the availability and awareness of our product in every potential area of the market. Conduct retail activities to increase brand visibility and increase customer contact points.

Service Officer – Branch Banking KRAs:  Cash Management – Cash/Non-cash transactional activities  Redress customer needs pertaining to cash, DDs, cheque deposits, general information.  Maintaining speed and accuracy of transactional processes.  Sensation of the use of other business opportunities.  Providing a high-quality experience that will encourage customer loyalty and good word-ofmouth Desired Candidate Profile:  Meticulous & has an Eye for detail  Well – groomed, presentable with excellent communication skills.  Should have a desire to know and understand financial terminology. Likewise, should be comfortable handling cash.  Computer proficiency a must  Educational Qualification : Graduate  Experience of 1-2 years , Fresher’s can apply

Job description:- Validation of original property document. Maintain, tracking & hands off to vendor for storage. Analyze & publishing LAP Monitoring MIS’s. P LMC MIS:- Region wise Annexure D. Original property document not received status Storage of OPD to vendor Less than 1% spread rate. CKYC status. Welcome kit status. CERSAI status OPD Query MIS & comparison Repayment tracking MIS ROC charge creation review. PDD Monitoring.

This is an Internal document. Job Title: Relationship Officer - 811 Digital Sales Grade: M1 Job Role-  Have good awareness of Corporates with entry point links in those corporates.  Good Communication & Presentation Skills required since he will be focusing on core corporates for Digital Banking.  Cross sells bank products to existing set of Corp Sal customers which are mapped.  Handle Investment and Insurance requirements of clients  Informs customers of new products or product enhancements to further expand the banking relationship.  Coordinates with other group companies to provide awareness to our group company employees for our KOTAKJIFI products.  Goes beyond the professional need of the customer by providing other products - enhancement of customer value  Maintains complete relationship record for assigned customer accounts.  Penetration of group/family account of the existing mapped base.  Tracks customer complaints/queries and turnaround times for customer satisfaction Job Requirement-  Good communication and presentation skills.  Willing to travel extensively within the city limits.  Two- wheeler and an android phone is must.  Liability Sales experience or KYC knowledge is an added advantage.  Graduate with Minimum 0-2 Yrs. of experience.

Manage service and operation for Embassies & diplomat clientele. Managing the account activation process. Monitoring the rejections and ensuring time resolution of issues Responding to client inquiries on documentation, account activities, statements and product and/or service information. Coordinating with support functions, CPC/RPC/Trade/Treasury for account opening, account servicing & Trade related transactions. Meeting existing clients regularly, active day-to-day interaction, understanding their needs & providing best in class service & solutions. Responsible for ensuring that all auditble points are recorded and maintained as per the process. Addressing complaint and escalations received at Grievance redressal desk/ Nodal officer Ensuring that mails/ communications coming from clients are handled promptly Maintaining a strong business relationship with branch banking team & other concerned departments

PFB the JD: Administrative Support: Managing schedules, filing documents, and preparing sales presentations and proposals. Order Processing and Data Management: Entering order information, maintaining accurate records, and updating customer databases. Communication: Answering customer inquiries, acting as a point of contact, and coordinating with other departments. Sales Process Support: Assisting the sales team with lead generation, prospecting, and contract closing. Reporting and Analysis: Monitoring sales trends, generating reports, and identifying areas for improvement. Collaboration: Working with other departments like marketing, customer service, and finance to optimize sales efforts.

Kotak Mahindra Bank Verification of executed legal documents as per Documentation Grid released by the legal team from time to time & Sanction Letter / Term Sheet issued by the business / credit team. Stamp Duty as per Legal Stamp Duty Grid is adhered too. Limits & Collateral Maintenance. CERSAI Maintenance. (Charge Creation & Release) Checker for Mortgage, Hypothecation & Intangible assets - basis terms of sanctions. Updating of PSL for CCOD product basis the PSL template received from business along with TS / SL. Insurance Policy Maintenance (basis terms of Sanction) - information to centrailzed insurance policy maintenance desk. Preparation and releasing the Disbursement Advice to Loan Maintenance Team for disbursement of loans in LPS. (Wherever there is a term loan / WCDL facility at the time of limit setting), Limit loading Instructions (LLI) to Treasury team for treasury products & CMS team for CMS products. Insertions (documents received post disbursement). Deferral Closures (post receipt of requisite document from Business Unit against deferral obtained). Tracking of post disbursement conditions related to Wholesale & Commercial operations in DRS as “pre-approved”. Handover of Files (All documents except Title Deeds) & Dockets (Title Deeds – Property wise i.e. for every property mortgaged separate docket is a must) including insertions to DMT for further action & receipt of acknowledgement in ET / Register (in case of non-ET transactions, if any). Handover of PDC / SPDC’s to the Vendor on a weekly basis & receive acknowledgement. Liaison with Auditors & Ensure no audit queries. MIS (Daily Reporting, Pending Status, Insertions). Confirmation to DMT for Release of property & verification of the property documents before releasing to customer / RM / customer service. Signatories for issuance of sanction letter are in accordance to the list of signatories provided by Business & Credit Qualification – Graduate / Post-Graduate Detail oriented and ability to multi-task Good Interpersonal skills and ability to work in teams Excellent Communication Skills Proficiency in MS-Office Diploma or Graduate in electrical engineering with minimum 3 years of work experience in Data center management/ operations

Gold Loan Relationship Officer-LOANS AGAINST GOLD-Marketing Branches Operations JOB DESCRIPTION Job Role: To develop sourcing channels for generating leads of Gold loans. Business Planning & development i.e. Tie-up with Dealers, DSAs & Brokers to generate leads for Gold loans Work closely with branch channel to drive Gold loans. Maintaining the Profitability of Business, Achievement of the Business Targets. Implement sales promotional activities as per bank norms, ensuring increment of sales in terms of volume and value. To ensure the availability and awareness of our product in every potential area of the market. Conduct retail activities to increase brand visibility and increase customer contact points.

Job Description ( Team Member - Customer Service) Responsible to provide adequate and quick resolution to all the cases assigned Analyze the complaint trend and present to the senior management Preparing RCA ,Monitoring the cases and initiating corrective action Liaise up and coordinate with business stakeholders to close the cases end to end Job Requirement: Banking knowledge is must (Loan division knowledge is preferred) Good Communication skill (Verbal & Written) Microsoft office hands-on knowledge (Excel/Powerpoint/Word etc.) Graduate n above Min. experience of 5 years n plus

Kotak811 is a completely digital, in-your-phone, mobile bank. It was founded in 2016 to help India adapt, evolve, and eventually overcome the barrier of digital banking and make it accessible to all. Our sole aim is to bring you the excitement and ease of digital banking with the trust and reassurance of Kotak Mahindra Bank’s experience and legacy. Incubated by Kotak Mahindra Bank, Kotak811 is where innovation meets banking to offer the user the most seamless banking experience there has ever been. (Kotak 811 is a digital zero balance savings account that can be opened online by everyone (Indian residents only) which acts as a one-stop solution for all your financial needs and day to day transactions.) Equal Employment Opportunity: All employment decisions shall be made without regard to age, race, creed, colour, religion, sex, national origin, sexual orientation, gender identity or expression, genetic information, marital status, citizenship status or any other basis as protected by the state, or local law. Kotak 811, is committed to providing equal employment opportunities Role: Salesforce Production Support What we need  3 years of experience in L1/L2 Salesforce production support or administration.  Strong knowledge of Salesforce configuration, including profiles, roles, workflows, validation rules, and approval processes.  Experience with Apex debugging, SOQL queries, and Lightning components troubleshooting.  Familiarity with Salesforce security model, data management, and sharing settings.  Experience with Salesforce api integrations debugging  Experience working with JIRA, ServiceNow, or other ticketing systems.  Basic understanding of Salesforce development tools (Developer Console, Workbench).  Knowledge of Change Management and Deployment tools (Change Sets, Gearset, Copado).  Strong problem-solving and analytical skills.  Excellent communication skills for user support and issue resolution

About Us: Data Scientist – 3 – Kotak811 Kotak811 is a Neobank incubated by Kotak Mahindra Bank, with a view of providing completely digitized banking services in the convenience of the customer’s mobile phone. 811 is an early mover in the Indian fintech space that started off as a downloadable savings bank account in 2017, post demonetization, when India took one step closer to a digital economy. The Data Scientist-3 in Bangalore (or Mumbai) will be part of the 811 Data Strategy Group that comprises Data Engineers, Data Scientists and Data Analytics professionals. He/she will be associated with one of the key functional areas such as Product Strategy, Cross Sell, Asset Risk, Fraud Risk, Customer Experience etc. and help build robust and scalable solutions that are deployed for real time or near real time consumption and integrated into our proprietary Customer Data Platform (CDP). This is an exciting opportunity to work on data driven analytical solutions and have a profound influence on the growth trajectory of a super fast evolving digital product. Key Requirements of The Role Advanced degree in an analytical field (e.g., Data Science, Computer Science, Engineering, Applied Mathematics, Statistics, Data Analysis) or substantial hands on work experience in the space 7 - 10 Years of relevant experience in the space Expertise in mining AI/ML opportunities from open ended business problems and drive solution design/development while closely collaborating with engineering, product and business teams Strong understanding of advanced data mining techniques, curating, processing and transforming data to produce sound datasets. Strong experience in NLP, time series forecasting and recommendation engines preferred Create great data stories with expertise in robust EDA and statistical inference. Should have at least a foundational understanding in Experimentation design Strong understanding of the Machine Learning lifecycle - feature engineering, training, validation, scaling, deployment, scoring, monitoring, and feedback loop. Exposure to Deep Learning applications and tools like TensorFlow, Theano, Torch, Caffe preferred Experience with analytical programming languages, tools and libraries (Python a must) as well as Shell scripting. Should be proficient in developing production ready code as per best practices. Experience in using Scala/Java/Go based libraries a big plus Very proficient is SQL and other relational databases along with PySpark or Spark SQL. Proficient is using NoSQL databases. Experience in using GraphDBs like Neo4j a plus. Candidate should be able to handle unstructured data with ease. Candidate should have experience in working with MLEs and be proficient (with experience) in using MLOps tools. Should be able to consume the capabilities of said tools with deep understanding of deployment lifecycle. Experience in CI/CD deployment is a big plus. Knowledge of key concepts in distributed systems like replication, serialization, concurrency control etc. a big plus Good understanding of programming best practices and building code artifacts for reuse. Should be comfortable with version controlling and collaborate comfortably in tools like git Ability to create frameworks that can perform model RCAs using analytical and interpretability tools. Should be able to peer review model documentations/code bases and find opportunities Experience in end-to-end delivery of AI driven Solutions (Deep learning , traditional data science projects) Strong communication, partnership and teamwork skills Should be able to guide and mentor teams while leading them by example. Should be an integral part of creating a team culture focused on driving collaboration, technical expertise and partnerships with other teams Ability to work in an extremely fast paced environment, meet deadlines, and perform at high standards with limited supervision A self-starter who is looking to build grounds up and contribute to the making of a potential big name in the space Experience in Banking and financial services is a plus. However, sound logical reasoning and first principles problem solving are even more critical A typical day in the life of the job role: 1. As a key partner at the table, attend key meetings with the business team to bring in the data perspective to the discussions 2. Perform comprehensive data explorations around to generate inquisitive insights and scope out the problem 3. Develop simplistic to advanced solutions to address the problem at hand. We believe in making swift (albeit sometimes marginal) impact to business KPIs and hence adopt an MVP approach to solution development 4. Build re-usable code analytical frameworks to address commonly occurring business questions 5. Perform 360-degree customer profiling and opportunity analyses to guide new product strategy. This is a nascent business and hence opportunities to guide business strategy are plenty 6. Guide team members on data science and analytics best practices to help them overcome bottlenecks and challenges 7. The role will be an approximate 60% IC – 40% leading and the ratios can vary basis need and fit 8. Develop Customer-360 Features that will be integrated into the Customer Data Platform (CDP) to enhance the single view of our customer Website: https://www.kotak811.com/

Summary – CFO Center BU – CFO- Operations Grade - M1 /M2 Job Description - RL Operations-RPC Operations Job Role - Operations Team Member Job Description RPC, Account opening and Maintenances UNIT Thorough KYC knowledge MIS Reporting Account opening process (CASA/Escrow/OD/Sole Proprietor/) Account Maintenance Process Quality check and Control Team Handling Experience Good in Process and Audit related process Knowledge of Finacle, BCIF, NCIF Good team member and lead team if required

Responsibilities: Provide high quality, quick and responsive legal advice to Transaction Banking and Digital Banking group in respect of corporate client negotiations, structuring of new products and services, modification/customisation of existing products and new product offerings and services, legal and regulatory issues arising out of the provisions of payment systems, RBI, NPCI, Card Associations, SEBI, RERA Authority etc. Reviewing and advising on RFPs, Government tenders, contracts and MOUs. Advising on agreements to entered with partners like NPCI, Card Associations like VISA, Mastercard etc Draft, review and negotiate documentation of the Bank relating to Cash Management Services, Acquiring Services, Payment Gateway and Payment Aggregator related services, RERA Accounts, Dividend Accounts, Prepaid Payment Instruments, Wallet business and related nodal/escrow accounts. Prepare and vet documentation related to service level agreements, their addendums and renewals. Managing complete contract life cycle while ensuring that all documents are in compliance with applicable laws and regulations issued by statutory or regulatory authority. Identify gaps in legal processes and documentation and reduce legal risks. Advice on legal risks associated with transaction banking and digital banking products and services and propose mitigation strategies. Interpret and advice on relevant laws, regulation and guidelines applicable to transaction banking group. Stay updated on changes in legislation, particularly banking laws, electronic and payment industry regulations and ensure these changes are reflected in all the applicable contracts and policies of the Bank. Liaise with Internal stakeholders including business, product, compliance and risk team to ensure alignment on legal requirements and risk management.

Service Officer – Branch Banking KRAs:  Cash Management – Cash/Non-cash transactional activities  Redress customer needs pertaining to cash, DDs, cheque deposits, general information.  Maintaining speed and accuracy of transactional processes.  Sensation of the use of other business opportunities.  Providing a high-quality experience that will encourage customer loyalty and good word-ofmouth Desired Candidate Profile:  Meticulous & has an Eye for detail  Well – groomed, presentable with excellent communication skills.  Should have a desire to know and understand financial terminology. Likewise, should be comfortable handling cash.  Computer proficiency a must  Educational Qualification : Graduate  Experience of 1-2 years , Fresher’s can apply

🔹 Experience: 3-4 years in working capital finance (preferred)🔹 Domain Knowledge: Strong understanding of working capital finance🔹 Location Preference: Candidates with local market experience will be preferred

This is an Internal document. Job Title: Relationship Officer - 811 Digital Sales Grade: M1 Job Role-  Have good awareness of Corporates with entry point links in those corporates.  Good Communication & Presentation Skills required since he will be focusing on core corporates for Digital Banking.  Cross sells bank products to existing set of Corp Sal customers which are mapped.  Handle Investment and Insurance requirements of clients  Informs customers of new products or product enhancements to further expand the banking relationship.  Coordinates with other group companies to provide awareness to our group company employees for our KOTAKJIFI products.  Goes beyond the professional need of the customer by providing other products - enhancement of customer value  Maintains complete relationship record for assigned customer accounts.  Penetration of group/family account of the existing mapped base.  Tracks customer complaints/queries and turnaround times for customer satisfaction Job Requirement-  Good communication and presentation skills.  Willing to travel extensively within the city limits.  Two- wheeler and an android phone is must.  Liability Sales experience or KYC knowledge is an added advantage.  Graduate with Minimum 0-2 Yrs. of experience.

Service Officer – Branch Banking KRAs:  Cash Management – Cash/Non-cash transactional activities  Redress customer needs pertaining to cash, DDs, cheque deposits, general information.  Maintaining speed and accuracy of transactional processes.  Sensation of the use of other business opportunities.  Providing a high-quality experience that will encourage customer loyalty and good word-ofmouth Desired Candidate Profile:  Meticulous & has an Eye for detail  Well – groomed, presentable with excellent communication skills.  Should have a desire to know and understand financial terminology. Likewise, should be comfortable handling cash.  Computer proficiency a must  Educational Qualification : Graduate  Experience of 1-2 years , Fresher’s can apply

Description for Internal Candidates Job role: Lead and Guide a Team of 5 to 7 DST’s and ensure productivity Interaction with manufacturers/dealers/sub-dealers in semi-urban and rural market for sourcing business Tie-up with channel partners & associates for sales program Ensure development of direct and indirect team Interaction with credit for loan applications and operations for smooth disbursement Follow-up on Infant delinquent cases and managing PDD’s Job requirements: Min. 2 yrs. of work experience in vehicle financing (preferably CV/CE/MUV’s) Knowledge of Sale-Purchase Broker Go Getter Attitude Strong Customer Orientation Self Motivated Good relationship Management