Job Title - Associate/Senior Associate - Debt Finance Since our launch in 2015, we ve lent over 10bn to ambitious entrepreneurs up and down the UK. That s led to the creation of over 40,000 new jobs and over 29,000 new homes - and we re not about to stop there. We re dedicated to helping trailblazing businesses thrive and our Debt Finance team are the drivers of our growth. This is a fantastic opportunity to join a fast-paced, growing bank with a reputation for doing things differently. We don t want another cog in the machine,we re looking for self-starters and bold thinkers who want to pave their own career paths. In a nutshell, the mission of the interns will join one of the Bank s Credit (lending) teams and will analyze financial statements, including key lending and credit risk metrics. Are you ready to step up to the challenge? Responsibilities Work as part of a team on the execution of corporate finance/real estate transactions Assist the Debt Finance team in finding new clients and keeping an updated prospective client database Assist in the preparation of deal specific credit memoranda for transaction recommendations to credit committees and other relevant lines of approval; and help in disburse an approved transaction Assist in building complex dynamic financial models to analyse investment opportunities (reviewing debt structures, relevant debt underwriting parameters and specific assets using financial models and a variety of quantitative analytical tools to test assumptions and sensitivities) Undertake fundamental research analysis using a variety of data sources; undertake company and transaction specific analysis and valuations Participate in third party meetings where you could potentially contribute to drive the business forward - analysing proposed budgets, capital plans and other investment recommendations Other relevant duties and projects as assigned Desired Skills Ability to work cooperatively with all levels of staff in a rapidly changing, demanding, but ultimately rewarding environment Drive to achieve a common goal (lend money, help businesses, and earn interest/fees!) Clear thinker with research and analytical abilities; capacity to learn quickly Possess excellent financial modelling, quantitative and analytical skills Strong interpersonal and communication skills (written as well as verbal) Resourceful problem solver with a focus on delivery (ability to multitask is also crucial)

Job Responsibilities : Credit-worthiness analysis of existing borrowers of the Bank, including financial analysis, industry and sector research, to ensure maintaining quality of Bank’s lending Drafting detailed credit reports with key takeaways on the purpose Developing and maintaining detailed financial model (in Excel), financial statement analysis, projections, ratio & variance analysis, credit metrics etc. Regular interaction with key stakeholders to discuss for eg. borrower requirements and performance, data gaps, inconsistencies, analytical frameworks, loan servicing etc. The role does not include credit underwriting of new to bank borrowers for fresh lending. Desired Skills : Strong financial analysis skills – thorough understanding of accounting /financial concepts including financial statements analysis, variance analysis etc. Ability to draft clear and concise reports, strong communication skills (oral and written) in English. Proficient in use of Excel, handling linked worksheets, able to handle complex models. Personal drive (proactive), flexible, creative (thinks out of the box), result driven, responsible, team player, fast learner, and willing to take ownership. Willing/capable to understand the big picture. Ability to succeed in a culture where change and speed are part of daily work. Looking for candidates from Top colleges only.

Plan, execute and report all IT Security and Business Automation related audit activities for OakNorth Bank plc. to provide independent assurance to senior management that the bank s IT infrastructure and digital transformation initiates (incl. non-IT) are fit for purpose to allow the bank to safely deliver best-in-class services to all its customers. Job Responsibilities: Plan, execute and report all IT and cyber security related audit activities for OakNorth Bank plc Provide independent assurance to senior management that the bank s IT infrastructure is fit for purpose to allow the bank to safely deliver best-in-class services to all its customers Ensure best practice and frameworks are followed to adhere to various audit guidelines and standards A Subject Matter Expert who can build a strong network for himself/herself and execute audit work autonomously all the way through to review whilst having a strong sense of customer service Manage IT related audit activities for the OakNorth Bank plc Delivers at least one audit per quarter: some audits to be delivered alone and others in partnership with the existing OakNorth audit team or empanelled co-sourced partner Document audit fieldwork, findings and prepare audit reports Review audit evidences and track closure of management actions Report on audit activity to senior management Continuously improve the IT audit methodology which suits the highly technical, disruptive, global, and fast-moving environment Supports IA team and colleagues on subject matter whilst keeping in mind team goals, not only individual targets Deliver internal and external certification audits Execute ITGC, network, cyber and cloud security audits Conduct internal audits to provide information whether the firm s Information Security Management System conforms to the Internationally recognised Standards Deliver audits to evaluate the evolving cybersecurity automation ecosystem( best-in-breed ) Perform cloud security assessments for AWS / Azure cloud platforms and other cloud-based solutions Carry out technical security reviews of firewall configurations, DLP, IAM, IPS /IDS and other critical applications Audit the continuously improving IT infrastructure model with newly emerging and flexible work solutions, post Covid-19 Continuously assess and report, how well the Bank assesses internal and external threats including email attacks and vulnerabilities, as well as the fitness for purpose and effectiveness of its strategic and tactical responses Challenge incident, disaster response and business continuity plans and review the test reports, outcomes to verify backup / restore set-ups and RPO / RTO levels Desired Skills: Hunger, fire (10x, momentum) Ability to work with others across teams, geographies, and legal entities (one team) Not a prima donna / ego issue (right ambition) Not highly political or spin doctor (say it as it is) Logical thinking, ability to get to the simplest answer as opposed to a convoluted one (challenge and simplify) An honest person who operates with a high degree of ethics and integrity through any situation (right ambition, say it as it is) Someone with a minimum of 3 years of banking / consulting experience in IT security audits Someone who holds a degree in information technology from a top institute with a consistently good academic record Holds at least one globally recognised IT certification, and working towards a second (IA / Risk or technical) Hands-on experience of working on some of the latest and best auditing / GRC tools A good understanding and knowledge of IT Security Compliance frameworks and industry control standards and, such as NIST, ISO 27001, COSO, COBIT, and ITIL A self-starter and fast learner; someone who can work and learn on his/her own Someone with gravitas and whose opinion matters; someone who is trusted by colleagues across the firm, from the most junior to the most senior A person who focuses on what matters most: outcomes; someone who relentlessly avoids hypothetical risks and verbose

Credit-worthiness analysis of existing borrowers of the Bank, including financial analysis, industry and sector research, to ensure maintaining quality of Bank s lending Drafting detailed credit reports with key takeaways on the purpose Developing and maintaining detailed financial model (in Excel), financial statement analysis, projections, ratio variance analysis, credit metrics etc Regular interaction with key stakeholders to discuss for eg. borrower requirements and performance, data gaps, inconsistencies, analytical frameworks, loan servicing etc The role does not include credit underwriting of new to bank borrowers for fresh lending. Desired Skills : Strong financial analysis skills - thorough understanding of accounting /financial concepts including financial statements analysis, variance analysis etc Ability to draft clear and concise reports, strong communication skills (oral and written) in English. Proficient in use of Excel, handling linked worksheets, able to handle complex models. Personal drive (proactive), flexible, creative (thinks out of the box), result driven, responsible, team player, fast learner, and willing to take ownership. Willing/capable to understand the big picture. Ability to succeed in a culture where change and speed are part of daily work. Looking for candidates from Top colleges only.

Short description of role (lending) teams and will be expected to have strong understanding of financial statements including important lending and credit risk metrices. Job Responsibilities: Credit-worthiness analysis of borrowers, including financial analysis, industry and sector research. Drafting detailed credit reports with key takeaways on the purpose; report has to be concise, easy to read for credit risk to review and comment Identifying, setting and monitoring deal specific covenants which can act as early warning signals during the life of the loan Developing and maintaining detailed financial model (in Excel) comprising transaction details, financial statement analysis, projections, ratio & variance analysis, key performance indicators, credit metrics, amongst others Conducting sensitivity analysis for stress testing on loans for serviceability Regular interaction with key stakeholders and clients to discuss for eg. borrower requirements and performance, data gaps, inconsistencies, analytical frameworks, loan servicing etc. Strong financial analysis skills thorough understanding of accounting / financial concepts including financial statements, variance analysis, and assessment of key credit risk metrices and covenants Ability to draft credit reports Strong communication skills (oral and written) in English. Proficient in use of Excel, handling linked worksheets, able to handle complex models. Personal drive (proactive), flexible, creative (thinks out of the box), result driven responsible, curious, team player, fast learner, and willing to take ownership of tasks and deliverables. Hands on attitude, willing/capable to understand the big picture. Ability to succeed in a culture where change and speed are part of daily work.

Since our launch in 2015, we ve lent over 10bn to ambitious entrepreneurs up and down the UK. That s led to the creation of over 40,000 new jobs and over 29,000 new homes - and we re not about to stop there. We re looking for people to join our Engineering team in building upon this success, as we grow to play a key part in redefining the future of business banking with next generation financial tools and products. This is a fantastic opportunity to join a fast-paced, growing bank with a reputation for doing things differently. We don t want another cog in the machine, we re looking for self-starters and bold thinkers who want to pave their own career paths. In a nutshell, the mission of the Salesforce/nCino Developer will be to create well-structured technical design for the assigned user story / task by carefully considering the existing implementation and think from the customer s perspective. Are you ready to step up to the challenge? Responsibilities Should have more than 8+ years of extensive experience in Salesforce/nCino Analyse User Stories, understand requirements and raise concern(s) over technical and functional gaps OR unaddressed scenarios (if any) Provide accurate estimates for user stories. Create well-structured technical design for the assigned user story / task by carefully considering the existing implementation and thinking from customer s perspective. Develop salesforce platform based good quality, simple, maintainable, highly optimized and extendable solution which is compliant to Oaknorths Coding / Config Best Practices Perform unit testing of the developed functionality and make sure that it should have negligible functional and technical errors. Develop Test Classes with optimum code coverage as per Salesforce defined best practices and Oaknorths defined specifications. Resolve discovered bugs in an efficient manner in first iteration only. Proactively communicate progress and risks to relevant stakeholders Create documentation such as design documents, specifications etc. Help teammates on technical and other aspects, as and when needed. Should be flexible to extend working hours in critical phases. Required Experience 8+ years of total and relevant experience Experience working in an Agile/Scrum development process. Capable of working on multiple fronts Capable of meeting strict timelines Well versed with nCino and Commercial lending domain. Well versed with Lightning Framework, Lightning App Builder. Well versed with Apex Classes, Aura Components, LWC, SOQL, Visualforce and JavaScript Well versed with Salesforce Platform Events, CDC, REST and SOAP based API integrations Well versed with Salesforce Flows, Approval Processes, Process Builder and Workflows Well versed with CI/CD - GitHub Well versed with Salesforce Reports and Dashboards Well versed with Salesforce Data import and export. Working knowledge of JIRA and Confluence Experience developing with VSCode Desired Skills Knowledge of Apex Enterprise Patterns and Apex Design Patterns Working knowledge of Salesforce Digital Experience - Communities / Sites Working knowledge of Lightning Design System Certifications - Salesforce Platform Developer I and II About Us We re OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace. Banking should be barrier-free. It s a belief at our very core, inspired by our entrepreneurial spirit, driven by the unmet financial needs of millions, and delivered by our data-driven tools. And for those who love helping businesses thrive? Our savings accounts help diversify the high street and create new jobs, all while earning savers some of the highest interest on the market. But we go beyond finance, to empower our people, encourage professional growth and create an environment where everyone can thrive. We strive to create an inclusive and diverse workplace where people can be themselves and succeed. Our story OakNorth Bank was built on the foundations of frustrations with old-school banking. In 2005, when our founders tried to get capital for their data analytics company, the computer said no . Unfortunately, all major banks in the UK were using the same computer - and it was broken. Why was it so difficult for a profitable business with impressive cashflow, retained clients, and clear commercial success to get a loan? The industry was backward-looking and too focused on historic financials, rather than future potential. So, what if there was a bank, founded by entrepreneurs, for entrepreneurs? One that offered a dramatically better borrowing experience for businesses? No more what ifs, OakNorth Bank exists. For more information regarding our Privacy Policy and practices, please visit: https: / / oaknorth.co.uk / legal / privacy-notice / employees-and-visitors /

Role & responsibilities : Research emerging AI trends and evaluate their potential applications in banking. -Collaborate with startups and external partners to explore and integrate innovative AI solutions. -Work closely with senior management to align AI initiatives with the banks strategic goals. -Lead the design, development, and implementation of AI solutions across various banking functions. -Identify opportunities for process optimization, risk management, and enhanced customer experience using AI technologies Preferred candidate profile Bachelor's or Masters degree in Artificial Intelligence, Computer Science, or a related field. - Strong knowledge of AI technologies, including LLMs, machine learning, natural language processing, and automation. - Ability to translate AI research into real-world banking solutions. - Excellent communication skills for engaging with startups and senior management. - Strong problem-solving and analytical capabilities. - Hard working - Willing, proactive, and motivated

Job Title – Credit Analyst/Associate Since our launch in 2015, we’ve lent over £10bn to ambitious entrepreneurs up and down the UK. That’s led to the creation of over 40,000 new jobs and over 29,000 new homes – and we’re not about to stop there. We’re dedicated to helping trailblazing businesses thrive and our Debt Finance team are the drivers of our growth. This is a fantastic opportunity to join a fast-paced, growing bank with a reputation for doing things differently. We don’t want another cog in the machine, we’re looking for self-starters and bold thinkers who want to pave their own career paths. In a nutshell, the mission of the interns will join one of the Bank’s Credit (lending) teams and will analyze financial statements, including key lending and credit risk metrics. Are you ready to step up to the challenge? Job Responsibilities: Create and maintain detailed KPI based industry level financial forecast models to support credit analysis of borrowers in the industry. Consistently track assigned portfolio of industries. Staying close to the global and U.S. macro backdrop and run scenarios/impact analysis on industries based on contemporary themes. Closely monitor relevant public companies’ performance by analysing earnings releases, transcripts, annual reports etc. Contribute in creating collaterals spanning deep dive industry notes, thematic notes, webinars etc. Collaborate with product, engineering and marketing teams as subject matter expert. 2-5 year's experience in financial modelling, credit analysis, report writing. Desired Skills: Expertise in financial and credit modelling including forecasting. Strong research, financial analysis and note writing skills. Ability to conduct industry level research and analysis. Solid understanding of global macro with a focus on US. Advanced Microsoft Excel skills. Basic knowledge of statistics. About OakNorth Small and medium-size enterprises (SME) are one of the biggest drivers of growth and innovation in economies all over the world. Despite these companies being a powerful force in the economy, many SMEs find it difficult to raise capital during critical stages of their company growth. Traditional commercial lending is optimised to make loans that are either too small to be effective or too large and expensive to be practical. At OakNorth, our mission is to help lenders fill this gap which we refer to as the “Missing Middle.” We are building a SaaS platform called the Credit Intelligence Suite which transforms commercial lending by helping banks build deeper relationships with their clients, open new, more profitable opportunities, whilst delivering credit decisions up to ten times faster than traditional models, with lower risk and greater efficiency. Our Investors OakNorth Holdings (the parent entity of OakNorth Bank plc and ONci) has an equity base of over $ 1.2bn , our investors include: GIC, SMBC, Toscafund, Coltrane and SoftBank’s Vision Fund – as well as founders of highly successful scale businesses. Our Customers In addition to OakNorth’s own bank in the UK, the software is also being deployed by US banks, including: Fifth Third, PNC, M&T Bank, Huntington, and Old National Bank. For more information regarding our Privacy Policy and practices, please visit: https://www.onci.com/privacy

VP - Regulatory Reporting (LCR,NSFR, Capital Reporting, RWA, Credit Risk) - Individual Contributor Role Gurugram ONGPL – Finance /Permanent - Full Time /Hybrid OakNorth Bank (the “Bank”) is a new fast-growing bank in the UK. While the balance sheet is less complex than larger banks, the Bank, as a CRDV firm, is subject to full suite of regulatory returns as follows: o COREP o FINREP o PRA/FSA and FCA returns o BOE returns We are also planning to implement a new end to end regulatory reporting system for all our regulatory reporting requirements. The Vendor has been finalised and the implementation is expected to start from June’23. We are looking for a candidate who can also drive this project and fulfil the key responsibilities required for the role. Therefore, learning all the regulatory returns across capital, liquidity and leverage is the key opportunity in this role. ·The Regulatory reporting team is also responsible for daily liquidity reporting, ALCO reporting and IRRBB reporting to support Treasury balance sheet management activities. ·The Bank’s products are diversified, and a number of new product launches continue- the candidate will be driven to research regulatory impact and provide inputs into new product development. · We are a small team and therefore the role offers opportunity - o to closely work with individuals across all levels, teams and locations and to build the team as the Bank grows. o build experience in a number of regulatory areas such as liquidity, credit, interest rate risk, treasury and other balance sheet reporting o learn a lot about new products – as the Bank is working on a number of initiatives for the growth phase o be involved in a number of cross functional projects. Job Responsibilities: Producing Liquidity and credit and banking exposure reports: Monthly /Quarterly Liquidity returns - NSFR, LCR, ALMM, PRA110 with reconciliation with Financials. Balance sheet driven returns: FINREP, PRA108, BOE statistical returns - (BT, ELS, GT, AD, AL, BE, CC, PL) Additional exposures related returns: FSA015, PRA loan book data, Asset encumbrance, Mortgages returns (MLAR) Capital and RWA returns: own funds, Credit exposure returns, Leverage ratio, Large exposure. Working experience and knowledge of the Liquidity reporting or Capital and RWA returns is necessary. Appropriate training will be provided in other balance sheet and Liquidity/Capital – RWA returns (as the case may be) but awareness and working experience in some of the returns will be a plus. Preparation of Management Information, both pre-defined and ad-hoc, as directed by the manager. Support in production of treasury ALCO packs Ensure compliance to Various regulations and SOPs. Ensure accurate, timely and completeness of reporting. Maintain reporting integrity and compliance with the regulations by highlighting any gaps or error in the processes or logic and actively look to improve/develop them further. Governances: Maintain finance team governance tracker, regular SOP updates, audit/regulatory action tracking, projects tracking, new regulations/compliance driven projects tracking. Maintaining tracker of regulatory queries and supporting response gathering. Work closely with the UK Financial Controller and provide input into internal policy forum discussions regarding interpretation of regulations and guidance. Key skills expected from the candidate: Very strong Excel skills Strong data analytical skills and problem-solving skills Work experience- Minimum 5+ years of post-qualification experience in Regulatory Reporting- particularly Basel Reporting - Liquidity, Capital and RWA reporting. Experience in the Financial Services industry is essential - background in UK Regulatory (PRA/BOE) / Treasury / Risk management or related fields. Experience in handling large data, reconciliations and exercising controls – like building cross report controls and recs. Experience in Handling Regulatory Systems. New system implementation experience will be a plus Exhibit a control mind-set: cross check, build validation and cross validations, think through the impact. Adaptable to a fast changing, flexible working structure rather than being driven by instructions and hierarchies Diligent in routine tasks (some tasks will be daily, and routine and the candidate will be expected to ensure timely and correct updates to the regulatory reporting system) Keen learner and reader - assist with interpretation of new regulatory requirements. Be able to interpret reporting guidelines Team player and relationship builder : Support colleagues and peers and build working strong relationship across functions. Independently and effectively interact with confidence across teams (finance, credit risk, project, IT, operations, compliance), across jurisdictions (UK and India) to ensure all activities impacting regulatory reporting are executed efficiently and timely Enthusiastic- for taking up new assignments and projects and learning more Strong communication skills are required as the role will involve interaction with management & colleagues at various levels; ability to engage senior stakeholders. Challenge and question and not wait for instructions Have an organized and focused work ethic Improve processes and standardise them as much as possible for a growing bank. Academic Qualifications Degree qualification in Accounting / Finance Graduation/post-graduation from top rated college/CA/MBA Finance/CFA/FRM/PRM/ACT. About Us We’re OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace. Banking should be barrier-free. It’s a belief at our very core, inspired by our entrepreneurial spirit, driven by the unmet financial needs of millions, and delivered by our data-driven tools. And for those who love helping businesses thrive? Our savings accounts help diversify the high street and create new jobs, all while earning savers some of the highest interest on the market. But we go beyond finance, to empower our people, encourage professional growth and create an environment where everyone can thrive. We strive to create an inclusive and diverse workplace where people can be themselves and succeed. Our story OakNorth Bank was built on the foundations of frustrations with old-school banking. In 2005, when our founders tried to get capital for their data analytics company, the computer said ‘no’. Unfortunately, all major banks in the UK were using the same computer – and it was broken. Why was it so difficult for a profitable business with impressive cashflow, retained clients, and clear commercial success to get a loan? The industry was backward-looking and too focused on historic financials, rather than future potential. So, what if there was a bank, founded by entrepreneurs, for entrepreneurs? One that offered a dramatically better borrowing experience for businesses? No more what ifs, OakNorth Bank exists.

The role of VP - Regulatory Reporting at OakNorth Bank is an individual contributor role based in Gurugram ONGPL. As a new fast-growing bank in the UK, OakNorth Bank is a CRDV firm subject to a full suite of regulatory returns including COREP, FINREP, PRA/FSA, FCA returns, and BOE returns. The bank is in the process of implementing a new end-to-end regulatory reporting system, with the implementation expected to commence from June 2023. The ideal candidate for this role will be responsible for driving this project and fulfilling key responsibilities within the regulatory reporting domain. One of the key opportunities in this role is to learn all regulatory returns across capital, liquidity, and leverage. The Regulatory Reporting team is also accountable for daily liquidity reporting, ALCO reporting, and IRRBB reporting to support Treasury balance sheet management activities. With a diverse range of products and continuous new product launches, the candidate will be expected to research the regulatory impact and provide insights into new product development. Working in a small team, this role offers the opportunity to closely collaborate with individuals across all levels, teams, and locations, thereby contributing to team-building as the bank grows. The candidate will gain experience in various regulatory areas such as liquidity, credit, interest rate risk, treasury, and other balance sheet reporting. Furthermore, involvement in cross-functional projects and exposure to new product initiatives during the bank's growth phase are additional highlights of this role. Key responsibilities include producing liquidity, credit, and banking exposure reports, handling balance sheet driven returns, managing capital and RWA returns, ensuring compliance with regulations and SOPs, preparing management information, supporting the production of treasury ALCO packs, and maintaining reporting integrity. The candidate will also be responsible for governance tasks such as maintaining finance team governance tracker, SOP updates, audit/regulatory action tracking, and responding to regulatory queries. The ideal candidate should possess very strong Excel skills, data analytical skills, and problem-solving abilities. A minimum of 5+ years of post-qualification experience in Regulatory Reporting, particularly Basel Reporting - Liquidity, Capital, and RWA reporting, is required. Experience in the Financial Services industry, particularly in the UK Regulatory (PRA/BOE), Treasury, Risk management, or related fields is essential. Strong communication skills, adaptability to change, a control mind-set, and a keen learner attitude are also expected from the candidate. Academically, a degree qualification in Accounting/Finance and graduation/post-graduation from a top-rated college/CA/MBA Finance/CFA/FRM/PRM/ACT is preferred. About OakNorth Bank: OakNorth Bank empowers entrepreneurs to realize their ambitions, understand their markets, and apply data intelligence to scale successfully at pace. The bank's belief in barrier-free banking is inspired by its entrepreneurial spirit, unmet financial needs, and data-driven tools. OakNorth Bank strives to create an inclusive and diverse workplace where individuals can thrive professionally and personally. The bank's story is rooted in frustrations with traditional banking, leading to the establishment of a bank founded by entrepreneurs, for entrepreneurs, offering a better borrowing experience for businesses.,