Job Role - Sales Manager - Digital Sales location - Noida Key Objective of the Job: Assist Digital Sales Manager in achieving business targets by providing Sales & Support activities. Driving discipline across Sales team by managing SFDC & being the SPOC for all SFDC related activities for Sales Team. Collaborating with BIU team in all types of Data uploads in SFDC. Generating specific business snapshots that identify business trends / opportunities. Managing Onboarding of all Channel partners in a timely manner that Digital team is targeting for increasing business. Collaborating with the internal functions like Legal / Compliance / Technology / BIU for specific Channel partner onboarding activities. Major Deliverables: Upload of Data across all Programs run by Product/Marketing team. Assist Digital Sales Manager in achieving business targets by providing Sales & Support activities Onboarding of all Digital Partners in a timely manner. Acting as a SPOC for all Internal / External partners across lead updates, pending invoices. lead related queries & reverse MIS. Collaborating with the internal functions like Legal / Compliance / Technology / BIU in specified timelines. Specialized job competencies: Knowledge about all financial products like Home Loans, Mortgages Knowledge about statutory compliance & local market procedures Knowledge about legal agreement reviews, Data Uploads across SFDC, Ability to crunch large data & present the same for opportunity sizing. Excellent communication and presentation skills Should be able to talk and convince both internal and external stakeholders & execute actionable in a timely manner.

12.8 Sales Manager HL & HE Business Vertical: Housing Line of Business: Home Loans Department: Sales Line Manager: Area Sales Manager Designation: Sales Manager Grade: M1-M3 On the rolls of: TCHFL Location: No. of Positions: Job Dimensions Responsible for handling team: Yes Roles reporting into this role (Direct/Indirect): Contact or Interaction with: 1) Customers 2) Sales team 3)Channel Partners & Vendors 4) Builders Travel Required: Yes Position Type: Process Owner: 1. Sales • • Relationship Managers CRE Job Purpose To drive sales and ensure business targets are achieved Responsibilities Core Responsibilities: Sales Process Management • o Aggressively drive the sales numbers and achieve the business targets for home loans and through cross selling while continuing to enhance and upgrade the client relationships. o o o o o o Retain and expand the company's base of customers for home loan and LAP channel so as to ensure repeat business or referrals Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business Develop and maintain strong liaisons with the clients for repeat business or referrals. Maximize number of APFs and increase penetration in the approved APF projects. Identify and develop new builder/channel relationships so as to penetrate new markets and thereby increase business Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. Sales Planning and Team Management Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area o o o Align with the team on ground lead generation activities for Sales. Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies Industry & Governance o o o Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems. Interdependencies Functional Competencies Competency Beginner Intermediate Advance Expert Retail Product & Market Knowledge (Sales) Retail Customer Acquisition & Relationship Management Retail Sales Team Management (Channel, FoS) Retail Sales Strategy, Planning and Implementation Job Qualifications Graduate : Yes Desired Experience: Minimum 4 years in the field. Other desired attributes: Masters/Postgraduate: Preferred Certifications: Others : Reviewed and Approved by: Updated on: Back to Index TCHFL JD Booklet FY 2018-19 || 73

3.7 Credit Manager Business Vertical: Housing Line Manager: Area Credit Manager HL/HE/AHF Designation: Manager- Credit Grade: M1-M3 On the rolls of: TCHFL Line of Business: Credit Department: Credit Location: No. of Positions: Job Dimensions Responsible for handling team: Yes Roles reporting into this role(Direct/Indirect): Contact or Interaction with: 1) Customers 2) Internal sales teams 3)Channel Partners 4) Builders Travel Required: Yes Position Type: Full time Process Owner: 1) Credit • Credit Officer HL/HE/AHF Job Purpose To underwrite mortgage business and manage the portfolio in assigned branch/location • Responsibilities Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Interdependencies Functional Competencies Competency Beginner Intermediate Advance Expert Retail Credit Strategy & Policy Retail Credit Underwriting Retail Credit Systems and Process Retail Credit Monitoring & Portfolio Management Retail Credit Team and Vendor Management Job Qualifications Graduate : Yes Desired Experience: Minimum 2 to 6 years in the field Masters/Postgraduate: Yes Certifications: CA/MBA (Preferable) Others : depending on qualifications. Back to Index TCHFL JD Booklet FY 2018-19 || 25

ob Overview:- As a Customer Relationship Executive at Tata Capital Housing Finance, you will be responsible for driving home loan sales through digital channels. You will engage with potential customers, understand their needs, and provide tailored loan solutions, ensuring a seamless and efficient experience. The role requires strong communication skills, a customer-focused approach, and the ability to convert digital leads into successful home loan closures. Key Responsibilities: Engage and convert inbound digital leads for home loans Provide consultative sales support through calls, emails, and digital platform Manage the sales pipeline and ensure timely follow-ups and closures Guide customers through the loan application process and documentation Collaborate with cross-functional teams to ensure smooth loan disbursement Key Skills: Excellent communication and sales skills Familiarity with digital sales platforms and CRM tools Knowledge of home loan products is a plus Target-driven with a customer-first mindset Walk In Interview - Tata Capital Housing Finance Limited Office No 402, 4th Floor, Sy No 245, Bhakti Genesis, Aundh Wakad Road Wakad Pune, Maharashtra - 411057 India Opp Mahindra Service Station Time - 10 AM to 3 PM Kindly share your CVs to siddhika.patil@tatacapital.com

15.4 Technical Manager Valuation Business Vertical: Housing Line of Business: Valuation Department: Valuation Line Manager: Regional Technical Manager /ATM Designation: Technical Manager Grade: J3-M2 On the rolls of: TCHFL Valuation Location: No. of Positions: Job Dimensions Responsible for handling team: No Roles reporting into this role(Direct/ Indirect): Contact or Interaction with: 1) Customers 2) Internal sales teams 3)Channel Partners 4) Builders Travel Required: Yes Position Type: Full time Process Owner: 1. Sales • Job Purpose • To manage the valuations, technical audit and setting up standard processes and monitor the technical evaluation in the location/branch. Responsibilities Core Responsibilities: o Perform in-depth industry, market and competitor research o Perform valuation analysis on a wide range of companies using all accepted and relevant asset valuation approaches and theories o Design valuation models for asset valuation o Independently gather data pertinent to the engagement through direct client interaction and on site collection of data relating to client assets o Inspect various assets including Residential, Commercial and Industrial properties / assets etc. o Identify & develop new streams for revenue growth and maintain relationships with builders to achieve repeat business and chalk out ways to generate revenue. o Liaison with valuation agencies, real estate developers and local government bodies for market analysis and market updations. o Build and strengthen relationships with key builders/ developers and get project approvals on technical aspects and thereafter help monitor constructions status on periodic intervals. Organize and maintain such project database and provide periodic reports to management on activities and trends. o Segment markets based on property types and identify properties with high risks or in negative areas (e.g. low-line, very low chance of resale, poor quality construction, old constructions areas etc.) o Guide and develop "technical policy" and monitor the portfolio/ delinquencies related to technical aspects of respective geography. o Develop checks and process to control fraud, built database and deduce for multiple funding or excess funding on properties e.g. circle rates, reference rates to credit team, database of properties under dispute as per securitization notices by different banks as public notices, properties under public notice/ court notice/ in tech agencies data base under dispute etc.) o Scrutinize project approvals for the organization, timely monitoring and ensuring compliance on legal and technical aspects and their timely updations. o Analyze new upcoming residential projects in the zone and facilitate its fast approval for advanced processing and funding. o Conduct property audits to analyze collateral risk and manage quality real estate portfolio of the organization. o Keep track of the development in real estate market and its impact upon lending parameters, property valuations and other financial implications. o Monitor market feasibility of project for industrial, residential, commercial or institutional project, periodically checking property documents and presenting bylaws violation as per plot size. o Manage the vendors involved in the technical evaluation process. o Train and evaluate the proficiency levels of the team on a regular basis while maintaining TAT targets for the technical evaluation process. o Work closely with the legal counterpart on the technical evaluation front. o Carry out spot checks on a frequent basis and maintain an MIS related to the technical evaluation. o Help collections tie-up with brokers and negotiate rates for resale of properties surrendered, takeover through legal process, or any other property bought rented by business. o Help maintain a healthy portfolio through the preparation of feasibility reports, valuation reports, project monitoring reports and market surveys to gather data on the real estate market. o Understand and analyze risks associated with property / project / market / developer and analyze exposure that can be taken. Interdependencies Functional Competencies Competency Technical Valuation - Mortgages Relationship Management Vendor Management Beginner Intermediate Advance Expert Job Qualifications Graduate : Yes (Diploma/ Degree in Civil/ Architecture) Desired Experience: Minimum 1 to 5 years in the field. Other desired attributes: Masters/Postgraduate: Certifications: Others : Updated on: Reviewed and Approved by: Back to Index TCHFL JD Booklet FY 2018-19 || 92

15.3 Regional Technical Manager/Area Technical Manager Valuation Business Vertical: Housing Line of Business: Valuation Department: Valuation Line Manager: Zonal Technical Manager Valuation Location: No. of Positions: Designation: Regional Technical Manager/Area Technical Manager Grade: M3 M5 On the rolls of: TCHFL Job Dimensions Responsible for handling team: Yes Total number of reporting staff: Direct: Indirect: Contact or Interaction with: 1) Customers 2) Internal sales and credit teams Travel Required: Yes Position Type: Full time Process Owner: Roles reporting into this role: 3)Vendors 1. Valuation 4) Builders • Technical Manager/Technical Officer Job Purpose • • To manage the valuations and collateral risk of retail mortgage business, technical audits and setting up standard processes\ Monitor the technical evaluation process in the area/region., team handling, valuation of APF projects, and validation of valuation report beyond prescribed loan limit. Responsibilities Core Responsibilities: o Identify & develop new streams for revenue growth and maintained relationships with Builders to achieve repeat business and chalk out ways to generate revenue. o Liaison with valuation agencies, real estate developers and local government bodies for market analysis and market updations. o Build and strengthen relationships with key builders/ developers and get project approvals on technical aspects and thereafter help monitor constructions status on periodic intervals. Organize and maintain such project database and provide periodic reports to management on activities and trends. o Segment markets based on property types and identify properties with high risks or in negative areas (e.g. low-line, very low chance of resale, poor quality construction, old constructions areas etc.) o Guide and develop "technical policy" and monitor the portfolio/ delinquencies related to technical aspects. o Develop checks and process to control Fraud, built database and deduce for multiple funding or excess funding on properties e.g. circle rates, reference rates to credit team, database of properties under dispute as per securitization notices by different banks as public notices, properties under public notice/ court notice/ in tech agencies data base under dispute etc.) o Scrutinize project approvals for the organization, timely monitoring and ensuring compliance on legal and technical aspects and their timely updations. o Analyze new upcoming residential projects in the zone and facilitate its fast approval for advanced processing and funding. o Travel to the various property sites and conduct property audits to analyze collateral risk and manage quality real estate portfolio of the organization. o Keep track of the development in real estate market and its impact upon lending parameters, property valuations and other financial implications. o Monitor market feasibility of project for industrial, residential, commercial or institutional project, periodically checking property documents and presenting bylaws violation as per plot size. o Manage the vendors involved in the technical evaluation process. o Train and evaluate the proficiency levels of the team on a regular basis while maintaining TAT targets for the technical evaluation process. o Motivate and manage the team so as to ensure productivity and cost efficiency o Work closely with the legal counterpart on the technical evaluation front. o Carry out spot checks on a frequent basis and maintain an MIS related to the technical evaluation. o Help collections tie-up with brokers and negotiate rates for resale of properties surrendered, takeover through legal process, or any other property bought rented by business. o Help maintain a healthy portfolio through the preparation of feasibility reports, valuation reports, project monitoring reports and market surveys to gather data on the real estate market. o Understand and analyze risks associated with property / project / market / developer and analyze exposure that can be taken. Interdependencies Functional Competencies Competency Beginner Intermediate Advance Expert Technical Valuation - Mortgages Relationship Management/ People Management Vendor Management Job Qualifications Graduate : Yes (Diploma/ Degree in Civil/ Architecture) Desired Experience: Minimum 5 to 8 years in the field. Other desired attributes: Masters/Postgraduate: Certifications: Others : Updated on: Reviewed and Approved by: Back to Index TCHFL JD Booklet FY 2018-19 || 91

3.6 Area Credit Manager Business Vertical: Housing Line of Business: Credit Department: Credit Line Manager: Regional Credit Manager Designation: Area Credit Manager Grade: M4/M5 On the rolls of: TCHFL Location: No. of Positions: Job Dimensions Responsible for handling team: Yes Roles reporting into this role(Direct/Indirect): Contact or Interaction with: 1) Customers 2) Internal sales teams 3)Channel Partners 4) Builders Travel Required: Yes Position Type: Full time Process Owner: 1) Credit • • Credit Manager Credit Officer Job Purpose To underwrite mortgage business and manage the portfolio in assigned area • Responsibilities Core Responsibilities: o Support and co-partner with business teams to manage end to end credit approval for the designated region o Underwrite salaried SENP/SEP for retail and high value cases and present to senior level o Authorize deviations raised and documented by underwriters in compliance with credit policy. o Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests. o Approve all disbursement requests on the basis of achieved adherence to requirements on LTV, agreement value, full documentation attainment at the branch level. o Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high value cases. o Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays. o Co-ordinate with the recoveries team and generate business insights. o Lead a team of credit approvers to ensure portfolio quality and delinquencies. o Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB o Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan. o Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy. Interdependencies Functional Competencies Competency Beginner Intermediate Advance Expert Retail Credit Strategy & Policy Retail Credit Underwriting Retail Credit Systems and Process Retail Credit Monitoring & Portfolio Management Retail Credit Team and Vendor Management Job Qualifications Graduate : Yes Desired Experience: Minimum 6 to 8 years in the field. Other desired attributes: Masters/Postgraduate: Yes Certifications: CA Others : Back to Index TCHFL JD Booklet FY 2018-19 || 23