Relationship Manager – Prime Vishwaas Sales – M1 Job role & Responsibilities: Manage Auto loan through Car Dealers, Direct Sales Agents & Direct Sales Teams Empanelment of New car Dealers, DSA & DST in the Market Accountable for sales performance & Productivity of team Conduct Training for all the channels & Team on Product, Policy & Market Changes Manage Business Promotional activities with Channels Responsible for tracking channels & Team for Quality sourcing & Healthy portfolio Interact with credit team, & Get business approvals Keep close watch on competitor product, Policy & Market strategy Deliverables : Recruit, Train & Motivate channel sales team achieve sales targets Guide channel sales team & introduce clients to them Maintain knowledge on all bank product & series & assist to resolve customer queries Develop new relationships with customers to increase revenue & accounts

Job Responsibilities: Should have experience in Mortgage Loan, Loan against property Generating business from DSAs. Monitoring pre and post disbursal documents / formalities. Monitoring & resolving Infant delinquent cases Building relationship with current and prospective Customers Providing off roll incentive inputs for timely processing Meeting HNI customers for Business Loans Generating corporate leads and closing them Achieve the branch/location target through the team which includes branch sales target, ALR ,controlling PDD/delinquency Job Requirements: Comfortable with using MS Word and MS Excel Good Communication and interpersonal skills Demonstrable team management skills Ability to collaborate, delegate and motivate Educational Qualifications: Should be graduate and above Work Experience: Minimum work experience of 3 years Exposure in similar industry would be preferable Exposure to secured lending asset products viz. Home Finance/Personal Loan/Educational Loan etc can be considered

Job Name : Premier Acquisition Manager Grade : M2 (Deputy Manager) JOB ROLE : Acquisition of HNI's only. Selling TPP and Generating Revenue. Building CASA book size. Conducts regular promotional and customer events to generate leads Cross selling of MF, Gold, Insurance and asset products. JOB REQUIREMENT: Good coordinator with different channels. Excellent communication skills. Should have some knowledge and experience in Portfolio Management. Should have some existing base of customer’s Having more than 1-2 year work experience

Sr. Sales Executive - Commercial Vehicles-Commercial Vehicle (CV)-Retail-Marketing Branches Operations JOB DESCRIPTION JD: Sales Executive- Commercial Vehicle. Grade-E0/M1 Candidate needs to have minimum 2 to 3 years’ experience in above products and business. Knowledge of end to end SCV Vehicles and used vehicle finance including Construction Equipment. In depth knowledge of areas New & refinance and used vehicle Business Market.

Trade Relationship Manager Job Role: § Acquire quality Current Accounts Customers who are dealing in International Trade. § Identify target markets and Segments § Ensure to follow all compliance and KYC norms while acquiring § Ensure that the customer is guided regarding rates and charges. § Commission and Rates to be fixed in the system. § Activate the first trade transaction. § Explore the potential of various trade and FES products like Forward Contracts, LC/BG/BC , Travel cards , etc. § Ensure that clients keep high CA AMB values in the accounts opened. § Generation of Asset leads. § Smooth handover of the customer to the Branch operations team § To educate customers regarding Cut off times and follow the SLA’s § Maintain a low cost of acquisition by acquiring bigger value of accounts § To achieve Business / Income targets § To have full knowledge of competitor’s activities and report those to ASMs § To coordinate and ensure service delivery happens as per SLAs and TATs § Acquisition and retention of new customer across all the segments. § Keep updated about AML/KYC/RBI guidelines and ensure growth is achieved by complying with all regulatory guidelines. § Retention of existing customers base § Handling customer complaints and escalate the complaints to competent authorities for resolutions. § Ensure all required documents for the agent empanelment including KYC as per bank’s policy are in place for smooth business relationship. § Deliverance of the required sales pitch for the respective product. § Timely submission of required reports. § Execute promotional activities conveyed by ASM/RSM § Planning and organizing various promotional activities Regularly updates RSM on the current market practices / business strategies by the competitors. Job Requirement: Graduate, PG preferable 1 to 3 years of Trade Fx and FES preferably in Banking Industry. Excellent Domain knowledge. Exhaustive knowledge of Trade and FES products . Excellent sales skills. Excellent knowledge of client behaviour & engagement in each product / geographic segments High energy levels and enthusiasm, should have winning attitudes Out of box thinker and creative problem solver. Good listener and should possess excellent communication skills. Excellent negotiator and smart worker Result-oriented especially in achieving given NTBs and sales targets. Good oral and written communication Should be good in strategizing, aggressive but compliance oriented

Team Sales Manager - Commercial Vehicle (CV)-Retail-Marketing Branches Operations JOB DESCRIPTION Job Role : Role will be a combination of managing relationship sales deliverables. 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 level BC by building relationship & cross selling Assets & liability products and investment products. He/She would be the bridge between the village, BC and the bank branch. Managing & acquiring additional incremental customers from that particular village cluster for the bank through references/cold calling.

New or Never Normal Job Title: Internal Audit Team Member Corporate Grade: CA fresher’s Kotak Overview Kotak Mahindra Bank Limited is an Indian banking and financial services company headquartered in Mumbai, India. It offers banking products and financial services for corporate and retail customers in the areas of personal finance, investment banking, life insurance, and wealth management. At Kotak, we expect more from ourselves, than what anyone else expects of us. This way, we are creating a rewarding and delightful experience every day for our customers. We are an equal opportunity employer and we are opposed to discrimination on any grounds. Overall purpose of role As Kotak Internal Audit Member, you will be a part of Kotak Internal Audit Department (IAD) which aims to provide independent , reliable, valued, insightful and timely assurance to the Board and executive management thus demonstrating a role of an ENABLER . This is achieved by looking at the effectiveness of governance, risk/control framework over current and evolving risks, within the current and expected business environment and in accordance with the international standards definition of internal auditing. Kotak IAD is a 200+ member department spread across 5 locations PAN India (Mumbai, Ahmedabad, Bangalore, Chennai and Delhi) which is set up to perform Internal Audits for KMBL (Kotak Mahindra Bank Limited) Flagship Company of the Kotak group. A one-stop shop. 4 Strategic Business Units - Consumer Banking , Corporate Banking (Wholesale Banking) , Commercial Banking , Treasury . Key Accountabilities Executing the delivery of the Kotak IAD’s Audit plan for the calendar year. To assist the Team Supervisor / Team Lead on assigned audit work of KMBL Businesses & Processes. This will entail working on the audit to deliver the Audit Planning Memo, Controls Document, agree issues & action plans with management and submission of draft report to the Team Supervisor. Demonstrate sound knowledge of both business/technical areas and expert knowledge in the audit process, including the IA systems, to ensure that audit work is carried out with a high standard that meets all methodologies. Demonstrate sound knowledge of regulations governing the bank (RBI, IRDA, SEBI, FEMA, FIMMDA, FEDAI, FATCA, NDS-OM, etc.) Conducts reviews to understand end-to-end process, evaluate and highlight key control deficiencies, analyse root cause and discuss / agree with management for effective and timely remediation plans. Manage individual workflow to ensure timely report deliveries with quality articulation of audit queries Writing high quality audit reports. To embrace and demonstrate effective Audit report writing & presentation skills from E2E perspective (Planning, Execution, Discussion, Clarification, Finalisation, Documentation into system etc.) Endeavouring to update awareness of risk issues and changes across relevant business units and use this knowledge to update the audit approach. Driving and leading discussions with relevant stakeholders regarding audit observations, consulting with IAD team supervisors / Team Leads. Decision-making and Problem Solving Take into account reputation of Kotak at all times, through positive interactions and adhering to policies, procedures and manuals. Set an example and supports fair and ethical behaviour. Make sure you are equipped to be able to protect our reputation at all times. Challenge others where appropriate, if you believe self to be correct. Endeavour to be part in decision making on a broad range of factors, with Kotak’s values at heart - Always Responsible, Always Accountable. Risk and Control Objective [This section is mandatory for all role profiles] Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Kotak’s Policies and Standards. Person Specification Personal attributes essential to performing role including competencies, expertise, knowledge, and experience. Note: experience requirements must not be in the form of years (minimum or otherwise). Essential Skills/Basic & Preferred Qualifications: Understanding of Banking Business their products and processes. Person who can work alone, close audits and manage stakeholders Relevant professional qualifications e.g. CA/CMA, CISA, CIA, (Bachelor’s degree mandatory). A Bachelor’s degree in Commerce (preferably) holder with at least 3-5 years of experience in internal audit of a financial institution and/or relevant experience in the following areas: Experience in a BFSI or Finance processes, including audit. Understanding of relevant regulatory environment would be an added advantage. Experience in data analytics and/or exposure to data science/machine learning techniques would be an added advantage.

Collections Manager - Support Services-Collection Daily DRR Door to door visit Daily customer follow up Target v/s achievement Monitoring of collection agency

Affluent Relationship Manager JD Job Role- Develop new and existing HNI customer relationships for Priority Business by in - depth profiling of the client to identify opportunities and match these opportunities to products/solutions provided by the Kotak Group. Generate business actions across liabilities, assets and fee products to sustain and achieve growth in relationship value, revenues and client stickiness. Formulate and implement the sales plan to acquire new HNI clients and increase the customer base. Use investment expertise to conduct client portfolio reviews and showcase products as per client’s requirements. Ensure client contactability at all times through regular connect with them in weekly/monthly calls. Resolve client queries for the managed book within the specified TAT. Plan and conduct special sales initiatives and events for prospective and existing clients. Endure adherence to all bank and regulatory processes at all times. Job Requirement: Aptitude to deliver high quality customer service by using organization and interpersonal skills. Decision making skills with strong sense of ownership. Experience in portfolio management, building and maintaining HNI customer relationships.

JOB ROLE- Asst Acquisition Manager - GRA · Acquisition of customers through group companies. · Managing the leads to be assigned to him for the proper execution and opening of Accountsin the prescribed TAT’s. · Selling TPP and Generating Revenue. · Building CASA book size. Job Requirement- · Good coordinator with different channels. · Excellent communication skills. · Graduates / MBA Having more than 0-2 year work experience

Posting Description for Internal Candidates Enter Custom Internal Posting Description Short Description for Internal Candidates Description for Internal Candidates Job Role : Source merchants who need POS/EDC terminals/Bharat QR (Merchant acquiring) in the local market Work with mapped branches and sales teams for lead generation and closure Meet customers, understands needs, negotiate on pricing, close AOFs Generate independent leads from references and close them proactively. Understanding of KYC, costing, pricing, subvention, etc Generate performance reports and identify gaps/opportunities and Drive topline revenue Retain clients by building relationship and growing portfolios Job Requirement : 2-4 years of experience in sales of POS business with a reputed bank or merchant acquirer Deep understanding of Merchant Acquiring business Proficient in MS Office (MS Word, Excel, Powerpoint) · · Understanding of acceptable KYC · Written and verbal knowledge of English and the local language in the market · Presentable and dynamic Same Posting Description for Internal and External Candidates Same Posting Description for Internal and External Candidates

The Relationship Manager – LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with company’s risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelor’s degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

Job Description Credit Card Portfolio Manager About Kotak Mahindra Bank: Established in 1985, the Kotak Mahindra Group is one of India’s leading financial services conglomerates. In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the Group’s flagship company, received a banking license from the Reserve Bank of India (RBI). With this, KMFL became the first non-banking finance company in India to become a bank – Kotak Mahindra Bank Limited. The consolidated balance sheet of Kotak Mahindra Group is over 2 lakh crore. The Group offers a wide range of financial services that encompass every sphere of life. From commercial banking, to stock broking, mutual funds, life insurance and investment banking, the Group caters to the diverse financial needs of individuals and the corporate sector. The Group has a wide distribution network through branches and franchisees across India, and international offices in London, New York, California, Dubai, Abu Dhabi, Bahrain, Mauritius and Singapore. For more information, please visit the company’s website at http://www.kotak.com Job role : Credit Card Portfolio Manager Kotak Credit Cards is the 5 th Largest Credit Card issuer in the country by volume. As a portfolio manager for Credit Card business, you will be responsible for developing and executing strategies to increase/retain customer base (AIF), transaction activation, improve customer engagement, and manage right balance between risk and profitability. Analyze portfolio metrics (attrition, customer engagement) at customer segments, MCC, category and suggest portfolio actions to ensure that customer attrition is minimum. Drive activation of card as per RBI master direction and reduce involuntary card closure. Manage and drive customer life cycle post the card is acquired, this includes communication pertaining to setting up card pin, enable online/international transactions, credit limit, card features, TAD/MAD, customer statement, fraud awareness etc. Work in close collaboration with alliance, product, marketing, ops, legal and compliance team. Optimise customer communication to ensure effective communication with lower cost. Work in close coordination with analytics team to analyse and work on strategy for customer engagement and reduce attrition. Ensure all customer issues are resolved within TAT. Responsibilities: The portfolio manager will be the key stakeholder to drive AIF and reduce voluntary / involuntary card closure. Drive card activation and ensure reduction of involuntary card closure Manage, drive and tract CLCM communication. He/ She is expected to track all business targets and ensure the same are achieved. He/ She is expected to introduce strategic business initiatives that help drive higher customer engagement and spends. Requirements: Minimum 5-7 years of post MBA experience or Undergraduate (CA) in managing cards portfolio. Strong analytical skills to understand spend patters, customer segments. Flexible to constantly iterate. Very granular with an eye for detail.

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

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

Area Collection Manager - Support Services-Collection Job Role : Monitoring and maintaining branch collection. Managing repossession. Co ordination with collection agency, repossession agent, sale of vehicle. Legal formalities. Job Responsibilities : Monitoring and maintaining branch collection. Managing repossession. Co ordination with collection agency, repossession agent, sale of vehicle. Legal formalities. Job Requirements : Minimum graduation, and thorough knowledge of collection activity. Managerial position Educational Qualifications : Minimum B Com(MBA preferable) Experience Profile : 4 to 5 year in relevant field. ( relevant exp is fine if no of years is less than 4 years) Personality Traits : Should be able to take major decisions independen

Job Role To understand clients business & provide appropriate working capital solutions across Fund/ non-Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG etc. To managed the mapped portfolio through regular meetings with the clients, to serve them, and to enhance the wallet share Build a sustainable direct sourcing channel by working closely with DSAs, CAs, associations etc. for new customer acquisition. To penetrate client with various products like Current Account/Term Deposits/Transaction Banking/Trade Finance for the primary Relationship & Group companies. To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence. Focus on continually increasing book size and profitability of the assigned portfolio. To understand client business model, trade related activities, cash flows etc. and identify opportunities and grow client relationships. To be alert on competitive elements in the target segments (viz. other banks etc.) & augment the presence and penetration of the Kotak brand in the target market Maintain high caliber client service. Improve efficiency by monitoring & overseeing continuous improvement of processes Share rapport with other operating units to customize and develop solutions To ensure correct sourcing of clients is done and maintain high standard of hygiene parameters including managing risk/delinquency etc. Job Requirement Excellent written and oral communication skills Experience: 2-3 years’ experience in the local market preferably some background in Sales & Credit Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong oral and written Communication Relationship Management Skill Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like OD, CC, BG, LC, Imp/Exp limits etc.

Acquisition Manager-RL SALES-Sales JOB DESCRIPTION Job Role: • Enhancement of Deposit pool from Customers • Establishing standards and delivery of service • Sale of non-deposit products. Cross selling targets progressively • Sale of MF and Insurance products • Fee Income • Branch Administration • Regulatory Compliance • Manage productivity and overall morale of branch team members • Overall responsible for break-even and P&L of branch Job Requirements: • Overall 6yrs of Banking experience; out of which 3-4yrs in Retail Liabilities • Must have had Sales experience and exposure, preferably of Liabilities products • Qualifications- MBA / CA/ CAIB • Good Leadership skills (though more tactical than strategic) • Thinker: Doer – 40:60 • In-depth understanding of financial instruments, markets and macro micro economic processes • Ability to carry along all the units involved in the customer service cycle to ensure customer “DELIGHT” • Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.

Branch Relationship Manager Job Role: Develops new and expands existing High Net worth Customer relationships for liabilities by sourcing customers Sources new bank customers through external individual efforts and acquisition channel Cross sells bank products to existing set of Branch customers which are mapped Informs customers of new products or product enhancements to further expand the banking relationship Plans and conducts special sales initiatives and events for prospective and existing clients Coordinates with other group companies to provide seamless access to other products Maintains complete relationship record for assigned customer accounts Tracks customer complaints/queries and turnaround times for customer satisfaction