We are seeking an HR Executive to lead induction and onboarding at OakNorth, ensuring a seamless and engaging experience for all new joiners. The role involves coordinating with internal teams to align onboarding processes with OakNorth s culture, values, and compliance requirements. 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. Are you What You ll Be Doing Preboarding: You ll take care of all the global preboarding steps collecting documents, sharing welcome info, and making sure everything s in place before a new hire s first day. New Hire Onboarding: From IT checklists to day-one readiness, you ll work with global teams across to ensure our new joiners have everything they need to hit the ground running. Inductions: You ll host and coordinate induction sessions, giving new employees a warm welcome and a clear view of who we are, what we do, and how we work. Background Verification: You ll manage the global background check process for new hires by working with vendors like Experian and Pinkerton, making sure it all gets done smoothly and on time. Compliance Training Management: You ll coordinate seamlessly through our LMS, monitor progress, follow up as needed, and keep detailed records to ensure full compliance and audit readiness. Maintaining Managing MIS: Create and regularly update MIS reports related to onboarding, training completion, and employee records for tracking and audit purposes. Using Our Tools: Youll get hands-on with the platforms we rely on to run People Ops, including: HiBob (HRIS) - keeping employee records up to date SkillCast LMS - sharing and tracking onboarding content Experian - managing background checks ChatGPT - helping create onboarding content and streamline tasks Concur - responsible for updating and maintaining employee profiles globally Improving the Experience: You ll help us spot ways to make our processes better and more efficient for both the team and our new joiners. What We re Looking For: Someone with up to 1-4 years of experience in HR operations or Onboarding Strong organizational skills and an eye for detail A team-first mindset, with a willingness to learn and grow Benefits Perks: Equity. We want people to have a stake in the business so that all our interests are aligned Health Insurance for employee and dependents Wellbeing and social events Support causes that matter to you - Volunteering time off

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 Finance team are the drivers of our growth. As an IT and Cyber Security Auditor , you will be responsible for planning, executing, and reporting on a wide range of audits covering IT security, business automation, cloud infrastructure, and digital transformation across OakNorth Bank plc. You will provide independent assurance to senior management that the Bank s technology environment including its growing use of Generative AI is secure, resilient, and well-governed. This role also includes guiding the Bank s responsible adoption of Generative AI (GenAI) technologies while helping build capabilities within the Internal Audit team, including mentoring and developing junior staff members. 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. Are you ready to step up to the challenge? Key Responsibilities: Lead and Deliver Audits : Plan, execute, and report IT and cyber security audits covering ITGCs, cloud (AWS/Azure), networks, data protection, automation, and digital transformation initiatives. Manage audits independently or with co-sourced partners, ensuring end-to-end delivery. Support GenAI Risk Assurance : Assess risks and controls related to the Bank s adoption of Generative AI covering governance, data integrity, ethical usage, access controls, and operational safeguards. Leverage GenAI tools to enhance audit execution and insight generation. Evaluate Cybersecurity and Resilience : Review threat detection capabilities, cybersecurity controls (e.g., IAM, DLP, IDS/IPS), and response readiness. Challenge business continuity, disaster recovery, and incident response plans, including backup processes and RPO/RTO targets. Stakeholder Engagement and Reporting : Provide clear, actionable reporting to senior management and collaborate with Technology, Risk, and Operations teams to strengthen control environments and drive improvements. Team Development and Methodology Improvement : Guide, coach, and mentor junior auditors; contribute to the evolution of IT audit methodology to reflect emerging technologies, risks, and regulatory expectations. What We re Looking For: Must-Haves: Overall experience of 8 years with Minimum 3 years of experience in IT audit or cyber risk, ideally within banking, fintech, or a Big 4 advisory firm. Degree in Information Technology, Computer Science, or a related field with a strong academic record. At least one globally recognized IT audit/security certification (e.g., CISA, CISSP, ISO 27001 LA); Familiarity with GenAI use cases and associated risks in an enterprise setting. Strong understanding of frameworks like NIST, ISO 27001, COBIT, COSO, and ITIL. Experience using GRC tools and a passion for applying technology in audit work. Preferred Traits: High drive and bias for action brings energy and momentum to audit delivery. Clear and structured communicator who simplifies complexity and delivers insights. A collaborative leader who uplifts others coaches, mentors, and supports junior colleagues. Operates with integrity and directness say it as it is mindset. Trusted and respected by peers and stakeholders at all levels of the organization. Fast learner and problem-solver who thrives in a changing environment. 0 - 0 a year Benefits & Perks: Equity. We want people to have a stake in the business so that all our interests are aligned Health Insurance for employee and dependents Wellbeing and social events Support causes that matter to you - Volunteering time off

Since 2015, we ve backed entrepreneurs with over 13bn in funding, helping create 56,000+ jobs and 34,000+ new homes across the UK and US - and we re not about to stop there. We re dedicated to helping trailblazing businesses thrive and our Operations team are the backbone 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 an Operations Lending Associate in the current role will be performing loan booking operations in life management activities within the available systems pertaining to Syndication, Agency, Bilateral Loan operations and LMA Docs. Job Responsibilities Perform loan booking operations Perform in life loan management activities Review Legal documents Desired Skills Minimum 2-5 years of relevant experience Accountancy Skills Loan Booking in life management activities within the available systems pertaining to Syndication, Agency, Bilateral Loan operations LMA Docs Good understanding on loan related documents. Query and task management by Loan and customer type. Attention to Detail Ability to work under tight deadlines Candidates will be expected to work in flexible shifts. 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 thriveOur 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 entrepreneursOne 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 /

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. 5-8 years 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

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. For more information regarding our Privacy Policy and practices, please visit: https: / / oaknorth.co.uk / legal / privacy-notice / employees-and-visitors /

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 Engineer 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? Job Responsibilities: Should have more than 8+ years of extensive experience in Salesforce , and 2+ years on nCino Commercial Lending 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 Test Classes with optimum code coverage as per Salesforce defined best practices and Oaknorths defined specifications. Develop a high-quality, simple, maintainable, optimized, and extensible Salesforce platform-based solution that adheres to Oaknorths Coding / Config Best Practices. Perform unit testing of developed functionality to ensure it has minimal functional and technical errors. Develop Test Classes with optimal code coverage as per Salesforce Best practices and Oaknorths specifications. Resolve identified bugs efficiently 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. Experience in a Client Facing Role. Excellent Communication Skills. Desired Skills: Ability to assess whether a problem can be addressed using standard nCino features rather than customizations. Experience in designing and creating CI/CD pipelines. 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 /

Since our launch in 2015, we ve lent more than 10 billion to ambitious entrepreneurs across the UK fueling the creation of over 40,000 jobs and 29,000 new homes. Our success is built on bold thinking and a refusal to accept business as usual. The Partnerships team sits at the heart of that mission, forging relationships that unlock new markets, products, and ideas to keep our growth story accelerating. If you re a self-starter who loves building relationships and turning great ideas into real-world results, we d love to meet you. Job Responsibilities Source & qualify partners - map the ecosystem, identify high-potential fintechs, platforms, and service providers, and keep our CRM pipeline fresh. Lead partnership execution - coordinate outreach, due-diligence, commercial modelling, and negotiation alongside legal, risk, and product teams. Own relationship management - become the day-to-day contact for selected partners, nurturing trust, solving issues, and driving joint go-to-market plans. Craft compelling business cases - prepare concise memos and presentations for senior leadership and committees that clearly articulate the upside and the risks of each opportunity. Track performance & optimise - build simple dashboards or models to monitor revenue, cost-savings, and strategic impact; recommend improvements or exit strategies where needed. Represent OakNorth externally - attend industry events, partner meetings, and product demos to advocate for our brand and uncover fresh collaboration ideas. Contribute to team growth - share market intelligence, mentor interns/analysts, and jump into ad-hoc projects that push the bank forward. What you ll bring? Relationship-first mindset - you love meeting new people, uncovering mutual value, and turning conversations into signed agreements. Commercial acumen - strong analytical skills; you can size a market, model revenue splits, and spot red flags in a term sheet. Clear communication - crisp writing and confident verbal style that adapts to founders, C-suite executives, and internal stakeholders alike. Project management chops - organised, resourceful, and able to juggle multiple deals without dropping the ball. Entrepreneurial drive - comfortable in a fast-changing environment where you ll set your own goals and figure out how to hit them. Team spirit - collaborative, low-ego, and motivated by collective success. Why OakNorth? Impact from day one - your deals will directly influence our product roadmap and growth trajectory. Room to grow - we celebrate initiative and provide clear paths for progression. Values that resonate - ambition, integrity, and a genuine commitment to helping businesses thrive. Ready to build partnerships that move the needle? Apply now and let s create the next chapter together. 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 /

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 strong analytics capabilities help us build trust and secure our digital assets and customer data. 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. In a nutshell this exciting and high-performing role, in the risk analytics team, you will be responsible for statistical model validation and regular monitoring for the credit risk models - PD/LGD/EAD and ICAAP models. You will also be involved in provisioning and stress testing exercise for the bank. Are you ready to step up to the challenge? Responsibilities Ability to independently develop and lead the entire model validation framework at Oaknorth bank Validating and documenting internal credit risk models of ON - PD/LGD/EAD/IFRS9 - one time and quarterly validation both qualitative and quantitative Validating vendor models of the bank, if any Building model validation governance framework as per regulatory requirements Working closely with model development team to understand model build and other business reporting Reporting the findings and suggesting quantitative and qualitative techniques for model enhancement Working with Risk and compliance team within the bank for model validation, working closely with external auditors and third parties to get the validation done Liaising with multiple teams and various business units across the firm for different risk management and stress testing initiatives. Coding in SAS/R/Python to enhance the current models and automating the processes. Analyzing, explaining and documenting the models and their results. Assisting in research, modelling and development for refinement of the current credit risk framework Communicating with stakeholders, internal audit, model validation, regulatory agencies and responding to their requests on a timely and accurate basis. Required Experience: 2 -5 years of relevant experience at a financial institution or a consulting firm, preferably on a Quant/Data Science role in a data-rich environment Preferably Master s degree in a quantitative field such as Statistics, Mathematics, Operations Research, Economics, or Finance, or equivalent Experienced in developing/validating credit risk - PD/LGD/EAD/Stress testing models Experienced in provisioning as per IFRS9 implementation for banks Proficiency in programming and Advanced Statistical Techniques- R/SAS/Python/Advanced excel Analytical thinking, quantitative abilities and problem-solving skills Understanding of risk management concepts like Stress-Testing, regulatory frameworks for Risk Management Attention to detail and ability to prioritize projects and workload Self-motivated team player who brings a can-do approach Ability to work well under pressure in a fast-paced team-oriented environment Strong communication skills; ability to present complex and technical issues clearly, both verbally and in writing FRM/CFA certification or equivalent is a plus 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 /

Build Forecasting & ML Models: Develop and evaluate macroeconomic forecasting models, time series regressions, and machine learning models (including basic neural nets like RNN, LSTM architecture). Statistical & Data Analysis: Apply and explain statistical concepts like regression, correlation, multicollinearity, stationarity, autocorrelation, and model assumptions to non-technical teams. Data Engineering: Work with SQL to extract and manipulate data, perform preprocessing and feature engineering, tune models. Cross-Functional Collaboration: Work closely with business stakeholders, domain experts, and data engineers to define problems and deliver insights. 2-3 years experience in Statistics, Machine Learning, Time Series modeling, and Python Desired Skills: Bachelor s or Master s in Statistics, Economics, Data Science, Computer Science, or a related field. Strong command over Python (pandas, NumPy, scikit-learn, statsmodels) and SQL for data analysis, modeling, and manipulation. Solid understanding of regression, time series forecasting, model diagnostics, and statistical tests (e.g., ADF, autocorrelation, VIF, R , RMSE) Experience with classical ML models and familiarity with basic deep learning architectures like LSTM or RNN. Comfortable working with small datasets where feature engineering and domain understanding matter most. Ability to explain complex concepts in simple terms and work effectively with both technical and non-technical stakeholders. Nice to have skills: Familiarity with version control (Git), dockers and AWS. Hands-on experience or foundational knowledge of LLMs, GPT-based agents, and Retrieval-Augmented Generation (RAG) workflows.

The incumbent will work with the Group Finance Controllership team responsible for the General ledger including accounting and reporting. This position will participate in financial accounting, month end closing and periodic reporting activities of different group entities and support the business and other teams in India and UK. This includes working on OakNorth UK, US, India, Jersey, and Mauritius entities. Job Responsibilites: Day to day accounting, month end closing and periodic reporting in accordance with IFRS/ Indian GAAP. Timely and accurate preparation of various Balance Sheet and P&L items including prepayment, accruals, depreciation run and other month end entries. Preparation of various reconciliations - Bank, vendor, and General ledger. Managing intercompany transactions and booking of related entries in system. Fixed Assets and Intangible accounting and related schedules and physical verification. Preparing test scenarios and performing testing for system automation projects. Preparation of various internal notes/memos for approvals and for audit evidence. Liaising with other teams within organisation for day-to-day working including FP&A, Operations, Legal, Credit/ Portfolio monitoring, Treasury, business etc. Participation in the conduct of Statutory & Internal audits for the relevant entities in relation to preparation of schedules, response to auditors queries. Drafting of Standard operating procedures (SOPs). Collaborate with cross-functional teams to identify process improvement opportunities, streamline operations, and enhance the overall control environment Help in other day to day work/Adhoc Projects as may be required. Required Experience: Qualified CA/ CPA required 6-9 years of prior experience in Analytical and accounting skills Background in banking sector preferred but not restricted. Strong in Microsoft excel and in other MS-Office applications -with focus on automation of reporting. Strong communication (verbal and writing) and interpersonal skills as this profile interacts with various levels and various countries. Personal drive (proactive), flexible, creative (thinks out of the box), result driven, responsible, curious, team player and fast learner. Hands on attitude, willing/capable to understand the big picture. Operated at scale in a fast-paced organization, have a mindset of continuous improvement, process efficiencies and automation. Have ability to prioritize and manage workflows and multi-task. Be self-driven and motivated.

Design, implement, and evaluate macroeconomic forecasting models, time series regressions, and machine learning models (including basic neural nets like RNN, LSTM architecture). Apply and explain statistical concepts like regression, correlation, multicollinearity, stationarity, autocorrelation, and model assumptions to non-technical teams. Work with time series, panel, and structured tabular data and perform feature engineering, data cleaning, and model validation. Work with SQL to extract and manipulate data, perform preprocessing and feature engineering, tune models. Work closely with business stakeholders, domain experts, and data engineers to define problems and deliver insights. Present insights and model performance clearly to technical and non-technical stakeholders Optionally, experiment with deep learning or generative AI models for internal R&D use cases Required Experience: 7-8 years experience in Statistics, Machine Learning, Time Series modeling, and Python Desired Skills: Bachelor s or Master s in Statistics, Economics, Data Science, Computer Science, or a related field. Strong command over Python (pandas, NumPy, scikit-learn, statsmodels) and SQL for data analysis, modeling, and manipulation. Experience with real-world tabular datasets and business problem-solving Strong applied knowledge of: Supervised learning (linear/logistic regression, decision trees, ensemble models) Unsupervised learning (K-means, DBSCAN, hierarchical clustering) Evaluation metrics, cross-validation, feature importance Solid grounding in Statistics Probability distributions, statistical inference, hypothesis testing Time Series modeling Comfortable working with small datasets where feature engineering and domain understanding matter most. Ability to explain complex concepts in simple terms and work effectively with both technical and non-technical stakeholders. Nice to have skills: Deep learning experience (e.g., PyTorch, TensorFlow) Familiarity with version control (Git), dockers and AWS. Exposure to GenAI concepts or LLM APIs (OpenAI, HuggingFace, LangChain)

Finance internship is a flagship program giving you 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. This internship program offers an unparalleled unique opportunity to apply your academic knowledge to gain practical experience in a real-world setting, develop valuable skills, and gain exposure to various aspects of corporate finance. As a Finance Intern, you will have the chance to work alongside our seasoned financial professionals, gaining hands-on experience in a variety of key areas and contribute to the growth and success of our organization. You will have a well-rounded exposure to various finance functions and will be assigned to either of the finance functions assisting in financial analysis, budgets, and forecasts, participating in the month-end close process, account reconciliations, supporting preparation of regulatory filings, treasury packs, accounts payable and finance operations and supporting with special projects and ad-hoc tasks. You will also have get an opportunity to be rotated around in different verticals as per requirements. Candidates from Tier 1 colleges to only apply. Chartered Accountants who have completed their intermediate. Interns are required to work out of office - all 5 days. Candidates must have completed their article ship from Big 4 or top companies. Industrial Training Duration: 12 months with an opportunity to work in all financial domain/vertical, overall giving a well-rounded exposure to the incumbent. Who can apply? Fresher candidates who have completed their Bachelors or Master s degree in Finance, Accounting, or a related fields from Tier 1 colleges Aspiring Chartered Accountants (who have cleared CA intermediate) Freshly qualified Charted Accountants looking for a jump start in their careers. What are we looking for? Great attitude with a strong learning drive Strong analytical and problem-solving skills with attention to detail Excellent communication and interpersonal skills Ability to work independently and as part of a team Enthusiasm for learning and a desire to contribute to a dynamic, fast-paced environment. If you are ready to embark on an exciting and rewarding journey to jumpstart your career in Finance, apply now and become a part of our dynamic team! 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 /

Overview We re looking for two Research Analyst Interns (3-month placement) to support a project focused on building insight-led data to inform commercial outreach. This role involves conducting online research to help us better understand our target market and support future engagement efforts. Key Responsibilities Research organisations that align with our focus areas Identify key individuals within those organisations based on agreed criteria Gather and verify publicly available information Ensure all data is captured accurately and consistently using provided templates Collaborate with the wider team to stay aligned on priorities and progress What We re Looking For Detail-oriented with strong desk research skills Comfortable using online tools (e.g. LinkedIn, company websites, search engines) Able to work independently and manage structured tasks Familiarity with spreadsheets or basic data tools is a plus Reliable, proactive, and focused on quality 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.

OakNorth is a profitable business that has supported the growth of thousands of businesses. We help entrepreneurs scale quickly, realise their ambitions and make data-driven decisions. Youd use both your generalist and specialist skills to better our products and our team. Responsibilities Develop and maintain scalable and robust backend services using Core Java 11+ and the Spring Framework. Design and implement frontend components using the Angular framework. Participate in the full software development lifecycle, including requirement analysis, design, development, testing, and deployment. Ensure code quality by applying OOP principles and adhering to SOLID design patterns. Troubleshoot and debug application issues in development, test, and production environments. Desired Skills: 2-3 Years experience in Java Proficient in Core Java 11+ and Spring Framework ecosystem. Strong foundation in Object-Oriented Programming (OOP) and SOLID principles. Understanding of RESTful APIs, Microservices, and MVC architecture. Exposure in developing single-page applications using Angular Familiarity with AWS services such as ECS, S3, RDS, Lambda, etc. Awareness of DevOps concepts, CI/CD pipelines, and tools like Jenkins, Docker, and Git 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 thriveOur 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 entrepreneursOne 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 /

Record Keeping: Maintain accurate and organized records of all accounts payable transactions for day to day transactions and accruals for month end close for various group entities across locations like UK, US, India, Jersey, Mauritius etc Invoice Processing: Review, verify, and process invoices for payment, ensuring accuracy and compliance with company policies. Payment Management: Prepare and execute payment runs, including checks, ACH, and wire transfers. Credit cards management: Reviewing the transactions on the corporate credit cards and ensuring compliances as per company policy and maintain accurate and organized records of all transactions Automation and projects: Identify opportunities for automation and participation in active projects from accounts payable perspective. Vendor Relations: Communicate with vendors to resolve discrepancies, answer inquiries, and maintain positive relationships. Reconciliation: Perform Bank reconciliation, monthly reconciliations of accounts payable transactions and resolve any discrepancies. Compliance: Ensure compliance with internal controls, company policies, and relevant regulations and prepare statutory filings as applicable for accounts payable Reporting: Assist in the preparation of accounts payable reports and provide support during audits. Stakeholder management : Dealing with internal stakeholders for periodic reporting and day to day matters Required Experience: CA Intermediated cleared. Proficiency in Microsoft Excel. Strong communication and interpersonal skills. Excellent organizational and time management skills.