PURPOSE OF THE ROLE The candidate would be a part of Financial markets Sales team and would be primarily responsible for Advising and Selling Foreign Exchange, Derivatives and Risk Management Solutions to the Clients in MMR Sourcing New Clients and actively engaging with them to provide Customized FX Solutions in compliance with Regulations Responsibilities Strategy & Planning Generate revenue from sale of FX and derivative products to the bank’s clients and onboarding new clients; Execute client trades and keep track of their open positions and constantly advise the client on these positions on the basis of technical analysis, macro and micro economic and fundamental research; Increase volume from clients by repetitive client calling and sharing trading / hedging ideas; Constantly engage with the Financial Markets risk advisors, relationship managers and other product partners to leverage the client relationship, deepen existing relationships and acquire new ones; Meet with allocated clients to augment the relationship; Strict adherence to RBI guidelines in executing and conducting Financial Markets business; Responsible for all one time as well as transactional documentation for FX business undertaken with the bank’s clients Risk and Internal Control To be appraised with the latest Regulations and Internal policies, processes and guidelines Strict adherence to all regulatory and internal guidelines People Management To ensure to deal within the applicable RBI regulations and internal guidelines Discuss the strengths and weaknesses of structures with internal stakeholders and work on building mitigants to resolve the open risks and propose structures that are appropriate for the client Coordination with internal Stakeholders Core Responsibilities To analyse and ensure Fx products cross sell in clients of the bank To deepen cross sell of various Fx products and increase the FX wallet share To maximize revenues by proposing value enhacement structures to the client in line with their portfolio and Risk Management policies.

SECTION II: ROLE SUMMARY The role holder will be responsible to handle an entire region for collections. The role holder will also be responsible for identifying and developing measurement standards for improvement of performance and professional effectiveness of collections team in region. SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES Strategic/ Managerial Responsibilities Develops and implements strategic plans in line with the division’s objectives. Supports the development of the workforce plan for the division by providing inputs on own department’s workforce forecasts. Manages and controls the operating framework for the department, provides guidance and support, ensures implementation and review of work processes in order to achieve high performance standards and continuous improvement. Plans to ensure end goals are met and NCL is maintained/ achieved as per requirement. Ensures NPA’s of the region are kept at minimum trigger levels. Overlooks and manages complete overview of Agency Management Conducts personal visits to high value cases which could not be handled through normal collections channels Core Responsibilities Constructively maximizes returns on each pool and focus on lower delivering cuts Works in close collaboration with Business and support team for speedy Redressal of all issues. The incumbent will be responsible to work closely with legal counsel, various levels of management on sensitive collection situations Gathers information about competitor policies and defining suitable collection policy& trigger mechanism for catering to target customer from a regional perspective. People Management Or Self-Management Responsibilities Develops a continuous talent pipeline for key roles in the department and provides mentoring for high potential talent in the team. Monitors and enables the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the department. Develops talent within the department by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals. Risk And Internal Control Responsibilities Ensures vendors, in-house staff and processes in the region is compliant from Audit perspective as well as guidelines laid down as per company policy. Periodically review, identify and take necessary action steps to reduce risks associated with any internal/ external processes. SECTION IV: KEY INTERACTIONS Key Internal Interactions Purpose of Interaction Legal Team – YBL Legal Counsel for legally sensitive cases YBL All Various levels of management and teams within Banks Key External Interactions Would be with vendors engaged for Collection activities, Audits, Pick-up’s, repossession agencies, stockyard Agecies Will work closely to identify potential agencies for empanelment Credit Bureau Interact with credit bureaus and relevant stakeholders SECTION V: KNOWLEDGE & EXPERIENCE KNOWLEDGE Minimum Qualifications Bachelor’s degree in any field Master’s degree in Finance is preferred Professional Certifications N/A

SECTION II: ROLE SUMMARY The incumbent will be responsible for collections efficiency of various products assigned to outsourced, outbound call centers. SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES Strategic/ Managerial Responsibilities Ø Ensure the capacity plan as decided by the senior management of the Bank is adhered to. Ø He will be responsible to review account allocations and collections targets by bucket. Ø To identify and implement suitable tactics/strategy as may be required from time to time. Ø Ensure Daily MIS and Reporting across all parameters required. Core Responsibilities Ø The incumbent will be responsible to drive the achievement of resolution and roll back targets in the portfolio assigned to the outsourced call centre. Ø Monitoring call agent productivity on a daily basis. Ø Strategize and allocate accounts accordingly on the call table. Ø Incumbent is responsible to ensure the rostering of the callers as per the requisite and pre decided strategy and capacity plan. Ø Ensure and monitor and review the Daily Resolution Rate as decided by the prevalent collection strategy. Ø Ensure that the coverage and intensity on each account is as per the decided Service Level Agreement with the outsourced call centre or the prevalent collections strategy. Ø Ensure that field referrals are done as per the prevalent strategy and timelines. Ø Ensure that timely allocation and realization of pickups generated at the outsourced call centre. Ø Coordinate with various stakeholders within the Bank to ensure timely resolution of customer disputes raised if any. People Management Or Self-Management Responsibilities Ø Barge in on calls and assess the quality of calls of the callers. Ø Manage training needs for callers on the floor. Ø Ensure that all his collection executives are DRA trained & certified and necessary background checks of the callers are done as per Service Level Agreement with the Bank. Ø Map performance vs. target and review them Risk And Internal Control Responsibilities Ø Ensure that the outsourced call centers are compliant with the Audit and Information Security and Data Privacy requirements of the Bank and various statutory and regulatory bodies. SECTION IV: KEY INTERACTIONS Key Internal Interactions Purpose of Interaction Various levels of management and teams within Banks as per requirement of the portfolio. Key External Interactions Overall management of the outsourced Call Centers. Will work closely to with pickup vendors to ensure timely pickup of payments promised by customers. SECTION V: KNOWLEDGE & EXPERIENCE KNOWLEDGE Minimum Qualifications Any graduate/ PG – Any specialisation Professional Certifications None Language Skills English, Hindi , Local language

SECTION II: ROLE SUMMARY The role holder will be responsible to handle an entire region for collections. The role holder will also be responsible for identifying and developing measurement standards for improvement of performance and professional effectiveness of collections team in region. SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES Strategic/ Managerial Responsibilities Develops and implements strategic plans in line with the division’s objectives. Supports the development of the workforce plan for the division by providing inputs on own department’s workforce forecasts. Manages and controls the operating framework for the department, provides guidance and support, ensures implementation and review of work processes in order to achieve high performance standards and continuous improvement. Plans to ensure end goals are met and NCL is maintained/ achieved as per requirement. Ensures NPA’s of the region are kept at minimum trigger levels. Overlooks and manages complete overview of Agency Management Conducts personal visits to high value cases which could not be handled through normal collections channels Core Responsibilities Constructively maximizes returns on each pool and focus on lower delivering cuts Works in close collaboration with Business and support team for speedy Redressal of all issues. The incumbent will be responsible to work closely with legal counsel, various levels of management on sensitive collection situations Gathers information about competitor policies and defining suitable collection policy& trigger mechanism for catering to target customer from a regional perspective. People Management Or Self-Management Responsibilities Develops a continuous talent pipeline for key roles in the department and provides mentoring for high potential talent in the team. Monitors and enables the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the department. Develops talent within the department by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals. Risk And Internal Control Responsibilities Ensures vendors, in-house staff and processes in the region is compliant from Audit perspective as well as guidelines laid down as per company policy. Periodically review, identify and take necessary action steps to reduce risks associated with any internal/ external processes. SECTION IV: KEY INTERACTIONS

SECTION I: BASIC INFORMATION Job Title: Regional Savings Account Manager Job Code-Grade AVP Management Band Middle Management Department Retail Banking Location-Reporting to-No. of Direct Reports- SECTION II: ROLE SUMMARY The role holder is responsible for developing and executing a robust savings account led Household business strategy for the designated region through in-depth engagement with branch/cluster/regional/zonal level leaders. The position requires deep engagement to drive sustainable household banking and strengthen the SA performance across channels in the region. The incumbent will be a key catalyst for building a strong liability book by championing cross selling of SA, RD/FD, and Third-Party Products (Investment, YSL, MF), lending & credit cards hence increasing product penetration. S/he should be able to provide the necessary product support as required by the field team to deliver on defined objective of building a sustainable savings account book thereby being a catalyst towards building liability book for his assigned geography. The incumbent will have to continuously monitor and optimize business quality, productivity, and compliance. S/he should possess strong SA product knowledge and should have relevant field experience of driving the overall business through active engagement with the branches and regional leadership. SECTION III: KEY RESPONSIBILITIES/ACCOUNTABILITIESStrategic/ Managerial Responsibilities Should have the ability to effectively engage with cluster/regional/zonal management and articulate/present the progress on defined business objectives. Should work smartly to manage his relationships with multiple layers across branches/clusters and other product support groups. Effectively use positive influencers and counter negative influencers to drive and meet business objectives. Lead training initiatives to upskill teams on product knowledge and sales pitches for SA and investments. Core Responsibilities Accountable for building the overall SA book, NRV growth for the region. Drive the SA acquisition, CIB book growth strategically by providing necessary support/ analytics to the region Enhance customer experience by cross-selling RD/FD, Investment, Mutual Funds, hence building a sustainable SA Book growth. Drive digital activation, account aggregator penetration, consistent usage of digital channels, tax payments Build strong partnerships with RWAs, key societies, clubs/ associations to promote family-based banking solutions and leverage cross-sell opportunities for household business. Track teams productivity across parameters and monitor daily book movement along with the sourcing quality of the region. Provides expertise to field teams on overall business that includes Acquisition, Retention and Enhancements in SA AMB. Maintain the quality of SA business in line with the stated organization and regulatory objectives. Actively engage with branch leadership and drive the centrally strategized agenda for the assigned geography effectively. Develop an understanding of problems faced by customers and employ existing or new methods to find solutions timely. Analyze regional trend and market offerings to help in fine-tuning customer offerings. Help build product features to suit market requirements. Drive digital banking adoption for SA and investments customers. People Management or Self-Management Responsibilities Handling internal and external stakeholders and demonstrate good Interpersonal skills to facilitate stakeholder support on all processes/system alignment. Individual with a go-getter attitude, should be able to work independently by collaborating with multiple business groups in driving bank's SA and investment business strategy. Risk and Internal Control Responsibilities Foster high standards in customer onboarding, documentation compliance, and service quality. Work towards mitigating risks arising out of Mule/ AML, strengthen compliance culture towards Household business Implement the risk policies and processes and ensure that existing business meets the stipulated regulatory guidelines. Highlights any untoward customer issues and helps correct the process wherever required. Should continuously monitor the sourcing quality and bring forth any anomalies across any markets under his assigned geography. SECTION IV: ELIGIBILITY CRITERIAMinimum Qualifications Post-Graduate or MBA from a recognized university MBA From premium business schools will be preferred Years of Experience 8-12 years of experience with retail branch banking / SA and investment product teams SECTION V: COMPETENCIES & KEY PERFORMANCE INDICATORSCustomer Focus Listens to and demonstrates an understanding of customers stated needs. Delivers customer value through timely and quality execution. Professional Entrepreneurship Takes proactive and constructive action at work with little or no direction from others. Displays responsibility for problems, initiatives and tasks that lie within the domain of own role Drive for Results Seeks to understand the rationale for key decisions and understands implications for own role/ actions. Displays a sense of urgency to deliver outcomes as per stated timelines. Reacts to challenges by displaying an optimistic demeanor Influence and Impact Uses simple persuasion techniques to achieve the desired result / action / commitment from others. Responds to stated requirements of internal/ external stakeholders by keeping a solution-oriented mindset Focus on Quality Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work. Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement Leadership Abilities Displays awareness and understanding of the external environment relevant to own area of work and can assess their impact on the business in which he operates. Translates the Banks vision to own sphere of work and defines plan for achievement of the growth and scale objectives. Actively seeks, identifies, and promotes opportunities to try out new idea. Sets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability, and rewarding high performance. Enables empowerment by assigning clear challenging tasks with definitive accountabilities, resources, and authority. Coaches and mentors employees to develop required skills, provides dev Enables Change Displays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approaches. Cascades the vision for change, and leads required transformation in structure, processes, and capability to ensure a smooth transition. Encourages team members to respond positively to changes, encouraging discussion, responding with empathy to their anxiety. Interested candidates can share the cv on karishma.sansi.ext@yes.bank.in

Please find below the JD for the Relationship Manager role: We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from ₹100 Cr to ₹500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products. Key Responsibilities Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover between ₹100 Cr to ₹500 Cr. Identify opportunities through market intelligence, references, and industry networking. Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention. Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with bank’s credit policies. Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings. Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies. Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.

ü Acquisition of Quality CASA (Current Account & Saving Account) Accounts- Qualified & Activated NTB CASA Accounts (In Nos.) ü Acquisition of Quality Higher CASA variants-Acquisition of Qualified and Activated Higher CASA variants ü Acquisition of CASA Values-CASA AMB acquired in accounts sourced during the month (In Rs) ü Revenue Acquisition- Cross sell of Life Insurance products, MF, Gold, Trade/FX, Assets products ü Maintaining good relationship with the customers ü Complete adherence to Yes Personality guidelines ü Compliant towards KYC and all operational risk ü Comply with Bank’s policies and processes ü Ensure timely escalation of issues impacting business and appropriate solutions to address the concerns ü Ensure safety and security of Bank and customer's assets ü Ensure timely submission of MIS reports

Job Title: Sales Manager Asset Cross Sell Department: ADM Cross Sell Channel Location: Sangrur Experience: 35 years Role Purpose: Responsible for driving cross-sell of asset products (Business Loans, Personal Loans, Auto Loans, LAP, etc.) to existing customers through branch and alternate channels, ensuring revenue growth and customer engagement. Key Responsibilities: Cross-Sell Execution: Identify opportunities to cross-sell asset products to existing liability customers. Achieve monthly and quarterly sales targets for asset products. Customer Relationship Management: Build strong relationships with customers to understand financial needs. Provide customized solutions and ensure superior customer experience. Channel Coordination: Work closely with branch banking teams and alternate channels for lead generation. Ensure timely follow-up and conversion of leads. Compliance & Documentation: Ensure adherence to internal policies and RBI guidelines. Complete documentation and verification for loan processing. Portfolio Monitoring: Track performance metrics and report progress to management. Implement strategies to improve penetration and reduce attrition. Required Skills & Experience: 3 - 5 years in Sales / Cross-Sell of Asset Products in BFSI. Strong knowledge of Business Loans, Personal Loans, Auto Loans, LAP . Excellent communication and negotiation skills. Ability to work with multiple stakeholders and meet aggressive targets.

SECTION II: ROLE SUMMARY The incumbent is required to manage the collections ( 30+, 90+ NCL, Recoveries) as per business standards. He/ She are to drive Productivity and Performance & Manage/ Reduce Expense. The incumbent needs to ensure process design and governance to mitigate risks from outsourcing, information security- reputational risk / operational risk / credit risk / information security risk. Further this role should provide insights to Credit Risk / Credit Policy to ensure Credit Quality. SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES Core Responsibilities Ensure adequate collections infrastructure at all times. Management of Flow/ loss rates as per collection plan- 30+, 90+, NCL, NPA, Provisions. Ensure productivity and Performance metrics set by business are met and improved upon. Expense reduction by improvement in productivity and performance. Operational risk/ credit risk/ market risk/ information security risk governance. Credit Quality/ Feedback to Credit Policy. Digitization and productivity enhancement. People Management Or Self-Management Responsibilities Management of Flow/ loss rates as per collection plan- 30+, 90+, NCL, NPA, Provisions. Ensure productivity and Performance metrics set by business are met and improved upon. Expense reduction by improvement in productivity and performance. Credit Quality/ Feedback to Credit Policy. Digitization and productivity enhancement. Risk And Internal Control Responsibilities Operational risk/ credit risk/ market risk/ information security risk governance. Timely reviews & Audits to manage the same.

1. Account Opening & Maintenance: Run the processes for account opening, account maintenance & account closure related formalities as per YBL process Handle customers’ enquiries and instructions, whilst ensuring that the Bank’s delivery standards are met in achieving total customer satisfaction. e.g. timely checking of account opening documentation, opening of Accounts etc. Ensure adherence to process & documentation standards (e.g.,forms/checklists, welcome calling, approvals, etc.) Ensure pro-active & sustained liaison with NOC, Product, Sales RM, etc. where required Maintain strict vigilance on the quality of forms and documentation provided Ensure timely follow up with Sales RMs of all BUs for resolution of any outstanding deferrals. 2. Transactions Related: Ensure proper scrutiny of all transactional documents submitted by the customer vis--vis branch checklist to ensure all that all necessary documents are submitted by the customer. Address all transaction related enquiries i.e. pre, during & post transaction processing & escalations Ensure strong monitoring of all transactions 3. Service & Quality: Ensure that all people, process, data & systems in the branch are well attended to deliver consistent & superior levels of service to all customers. Ensure that adequate records & data pertaining to customer queries and complaints is maintained & analysed for achieving greater process efficiency Ensure daily / weekly monitoring & analyses of various data points & reports that have bearing on Customer Service & process adherence. Play a pro-active role in new products, processes or systems roll out impacting the clients Coordinate with relationship managers and meet / interact with key clients on a periodic basis to stock take on service levels and customer satisfaction. Ensuring collection of CSS forms on periodic basis and sent to NOC. Implementation of 5S, ISO 9001:2000, Six Sigma standards & meet/exceed set quality parameters conforming to the standards. 4. Audit & Compliance: Responsible to follow all process, policies as per guidelines & audit rating of the branch Ensure comprehensive compliance with all internal, regulatory and statutory requirements as relevant for various product and services from a branch perspective Attend to any audit findings and resolve them immediately as applicable 5. Others: Maintain highest levels of discipline (punctuality, attendance, grooming standards etc) in the office Ensure timely escalation of issues that is impacting business and possible solutions to address the concerns to the BSDL. Manage Local Vendors /agency relationships to ensure smooth execution of transaction Responsible for Branch upkeep & maintenance and control over the cost Must be thorough with banking processes, regulations & guidelines across retail products. Comply with bank policies and procedures to ensure safety and security of bank's and customer's assets

Job Description Collections Manager (PL) | Bucket X – Call Centre Department: Retail Collections SubFunction: Personal Loan Collections – Call Centre Role Title: Collections Manager – PL (Bucket X) Location: Airoli Tower, Navi Mumbai (West) Experience Required 5 to 10 Years Mandatory experience in Personal Loan / Unsecured Loan Call Centre Collections Handson exposure to Bucket X (Writtenoff / Hard Bucket) Role Overview The Collections Manager – PL (Bucket X) will be responsible for managing high delinquency personal loan portfolios through the call centre channel , driving resolution, recovery, and rollbacks while ensuring compliance with regulatory and internal collection norms . Key Responsibilities Manage Bucket X / Writeoff Personal Loan portfolios through call centre operations Drive daily, weekly, and monthly resolution targets Monitor call quality, productivity, and adherence for collection executives Handle complex/high-value delinquent accounts and escalations Implement collection strategies to improve recoveries and rollbacks Ensure strict compliance with RBI guidelines, bank policies, and call protocols Coordinate with field collections, legal, and recovery agencies when required Analyze MIS reports and take corrective actions for performance improvement Support process improvement initiatives and reduce customer complaints Required Skills & Competencies Strong understanding of Bucket X / Hard Bucket Collections Excellent command over call centre collection processes Knowledge of Personal Loan products & delinquency cycles Team handling & performance management skills Good communication, negotiation, and objectionhandling abilities Working knowledge of collection systems, MIS, and dialer tools Preferred Candidate Profile Experience from BFSI / NBFC / Banks / FinTech Prior exposure to unsecured loan collections (PL mandatory) Candidates currently managing call centre teams or large portfolios Female candidates preferred (DEI mandate)

Position AML Transaction Monitoring Team Leader/ Team Member Approximate age bracket N.A. Reporting to Anti-Money Laundering – Transaction Monitoring Vertical Head Objective The incumbent would be responsible for managing the team of analysts monitoring and analyzing the transactions to identify potential money laundering activities. Responsibilities Handling the team of AML Transaction Monitoring and Suspicious Transaction Reporting. Alerts review shall include review of customer profile, transaction pattern, financials, & ancillary information obtained through public and private sources to identify potential money laundering patterns. Drafting and/or review of Grounds of Suspicion and taking such cases to logical closure including filing of STR with FIU-IND. Ensuring high reporting standards to FIU India in terms of quality of STRs and identification and submission of P1 STRs as well as typology reports. Ensure 100% process compliance, robust internal control across the unit and product coverage through review of products/services from AML/CFT perspective at the time of implementation as well as periodic renewals. Good knowledge of complex customer types. Work closely with the product/business teams to ensure smooth day to day functioning. Provide inputs on processes to improve the system performance, rule optimization etc. Liaising with internal (branches/BCU/product teams) and external (FIU/RBI/auditors/vendors/peer banks) stakeholders for various requirements, on need basis. Essential competencies Collaborative and a team player, able to work well with other staff including departmental colleagues, business, operations and technology teams. Managing the monitoring of work assigned to the team and recommending process changes to increase efficiency. Sound knowledge about latest development across the globe about money laundering and terrorist financing. Knowledge and Understanding of Banking Regulations and Laws governing AML/KYC including FATF requirements. Investigate any unusual matters escalated by business or identified through triggered event Clear understanding of regulatory reporting requirements and interpretation of regulatory guidance Manage any AML relevant audits or inspections, including liaise or coordination of audit matters and drafting management responses etc. Any other matters assigned by the Head of Unit or line manager. Ability to take initiatives, working with tight timelines Added advantage being well versed with Merchant Acquisition Transactions/ Payment Gateway /Payment Banks transactions/I4C complaints Able to challenge the status quo and identify, recommend and implement process efficiencies. Should be a team player with strong problem-solving skills. Qualifications And Relevant experience Sound knowledge of PMLA and RBI regulations with relevant experience of minimum 5-6 years. Team handing experience is required.

Core Responsibilities Revenue Generation Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups Relationship Management Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank Communication/PR of Bank’s products Undertakes brand communication initiatives for designated products Communicates product positioning messaging that differentiates YES Bank’s products in the market Market Research Illustrates understanding of consumers, competition and current market conditions through primary and secondary research Credit Appraisal Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions Documentation and Compliance To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group Self-Management Responsibilities Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year. Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training. Understands the competencies relevant to his/her role, and works towards displaying as well as developing these effectively. Keeps abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks. Risk And Internal Control Responsibilities Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by departmental manager. Executes the established internal control systems and compiles the relevant information for departmental audits, as necessary.

ü Acquisition of Quality CASA (Current Account & Saving Account) Accounts- Qualified & Activated NTB CASA Accounts (In Nos.) ü Acquisition of Quality Higher CASA variants-Acquisition of Qualified and Activated Higher CASA variants ü Acquisition of CASA Values-CASA AMB acquired in accounts sourced during the month (In Rs) ü Revenue Acquisition- Cross sell of Life Insurance products, MF, Gold, Trade/FX, Assets products ü Maintaining good relationship with the customers ü Complete adherence to Yes Personality guidelines ü Compliant towards KYC and all operational risk ü Comply with Bank’s policies and processes ü Ensure timely escalation of issues impacting business and appropriate solutions to address the concerns ü Ensure safety and security of Bank and customer's assets ü Ensure timely submission of MIS reports

Job Title: Relationship Manager Department: Medium Enterprises (ME) Experience: 3–4 Years Grade: Manager to AVP Role Summary We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from ₹100 Cr to ₹500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products. Key Responsibilities Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover between ₹100 Cr to ₹500 Cr. Identify opportunities through market intelligence, references, and industry networking. Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention. Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with bank’s credit policies. Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings. Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies. Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions. Desired Candidate Profile Ø Graduate/Postgraduate in Finance, Commerce, or a related field. Ø 3–4 years of experience in corporate/SME/ME banking. Ø Strong understanding of credit analysis and financial statements. Ø Excellent relationship management and communication skills. Proven ability to drive business and manage risk effectively

Managing the North India portfolio for NBFC, MFI and Capital Markets segment including assets as well as liabilities business. Also AD/FFMC fee income business for North Region. Identify fee income & lending opportunities across the above IFI segments Manage a 3 member team and guide them in CAM preparation/ finalization & operational activities Liaise with risk team on finalization of the credit proposals and present proposals to the respective Committees for approval Liaise with internal teams for documentation & execution of transactions and ensure smooth delivery of services to the clients in timely manner Building liability relationships with clients including CMS/Digital Banking products Coordination with Internal Auditors for resolution of any audit related observations for the segments.

Market Assessment and Business Development Conducts market research to understand consumers, competition and current market conditions to help identify new business opportunities. Participates as and when required in meetings with key customers, promoters, prospective customers to understand customer needs and use that information to propose possible solutions. Works towards maintaining and enhancing relationships with key customer accounts and prospective customers to ensure business continuity and growth. Leverages opportunities to manage complex relationships independently, under the overall supervision of Senior Relationship Managers/Team Leaders. Revenue Generation Identifies new sales opportunities and leveraging a knowledge sector driven relationship approach to enhance sales and revenue generation through new and existing customers for achievement of established targets and objectives. Targets product/ industry specific business opportunities leading to achievement of the budget and ensures seamless coordination between customer & relationship manager. Portfolio Management and Deal Structuring Works independently and under the supervision of Senior Relationship Managers/Team leaders in structuring and restructuring of deals to ensure they effectively address the clients’ financial requirement. Conducts research and collates necessary data for preparing credit proposals in line with customer requirements. Coordinates with CAD and other relevant stakeholders to ensure proposals/ approvals are approved and followed up in an efficient and timely manner. Credit Appraisal Credit Assessment and CAM preparation through detailed analysis Works in close coordination with key stakeholders from Risk Management to ensure adherence to established credit guidelines. Documentation and Compliance Completes all documentation and CRM updation to ensure adherence to established guidelines and maintenance of highest quality standards of documentation, client communication, process compliance. Works in close coordination with relevant BUs to ensure smooth and quick turnaround of transactions as and when required.

Job Title: Relationship Manager Department: Medium Enterprises (ME) Experience: 3–4 Years Grade: Manager to AVP Role Summary We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from ₹100 Cr to ₹500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products. Key Responsibilities Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover between ₹100 Cr to ₹500 Cr. Identify opportunities through market intelligence, references, and industry networking. Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention. Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with bank’s credit policies. Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings. Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies. Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions. Desired Candidate Profile Ø Graduate/Postgraduate in Finance, Commerce, or a related field. Ø 3–4 years of experience in corporate/SME/ME banking. Ø Strong understanding of credit analysis and financial statements. Ø Excellent relationship management and communication skills. Proven ability to drive business and manage risk effectively

Job Title: Relationship Manager Department: Medium Enterprises (ME) Experience: 3–4 Years Grade: Manager to AVP Role Summary We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from ₹100 Cr to ₹500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products. Key Responsibilities Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover between ₹100 Cr to ₹500 Cr. Identify opportunities through market intelligence, references, and industry networking. Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention. Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with bank’s credit policies. Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings. Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies. Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions. Desired Candidate Profile Ø Graduate/Postgraduate in Finance, Commerce, or a related field. Ø 3–4 years of experience in corporate/SME/ME banking. Ø Strong understanding of credit analysis and financial statements. Ø Excellent relationship management and communication skills. Proven ability to drive business and manage risk effectively

The role holder is responsible for managing advisory firms, ARCs, Investment Banks and other intermediaries in the distressed asset ecosystem and providing corporate and commercial solutions to their parent entities and investee companies SECTION IV: KEY RESPONSIBILITIES & KPIS OF THE ROLE The role holder is responsible for managing advisory firms, ARCs, Investment Banks and other intermediaries in the distressed asset ecosystem and providing corporate and commercial solutions to their parent entities and investee companies Responsibilities KPIs Strategy and Planning N.A Policies, Processes & Procedures Advisory Handles clients and offering a complete suite of commercial banking and investment banking solutions. Advises companies in a turnaround situation with respect to liquidity concerns, undertaking viability study, develop sustainable business plans and getting involved in the rehabilitation package Stressed Asset Management Manages stressed assets involving interaction with top management of the company, performance monitoring & benchmarking, adherence to terms, site visits to business Arranges for fresh financing in stressed and special situation assets with an objective to provide overall resolution, which involves business analysis, study of company’s potential & industry risk & prospects, business and financial engineering, etc. - direct interaction with Promoters, investors. Performance Monitoring Closely monitors exposures to enable proactive action whenever required. Review credit files, financials and security documentation and current status Designs and implements suitable early warning triggers for allocated accounts. Closely monitors allocated portfolio, regular review of operational and financial performance, monthly cash flows, tracking performance of various industries which have a bearing on the respective assets etc. Implements the risk policies and processes (operational, regulatory, financial, informational, reputational and audit risks), ensuring that that these meet regulatory and internal requirements. Implements the internal control systems in the department and participates in the departmental audits. Implements practices to bridge gaps identified during departmental audits. People Management Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year. Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training. Understands the competencies relevant to his/her role, and works towards displaying as well as developing these effectively. Keeps abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks. SECTION V: OPERATING NETWORK Internal Legal Risk Management Coordinating and securing relevant inputs, thus making sure that all applicable steps are undertaken within stipulated timelines and ruling out any risk to the Bank. While doing so, also to ensure adherence to regulatory framework and guidelines and resolutions of the stressed assets. Risk Management Coordinating and reporting on aspects related to risk management in various recovery cases on a periodic basis thus ensuring adherence to risk and regulatory framework/ guidelines. External Customers/ Promoters High degree of engagement thus ensuring Bank’s interest is prioritized by the stressed / defaulting borrowers, and to be able to drive Bank’s interest during the tenor of the exposure. SECTION VI: ROLE PROFILE REQUIREMENTS Minimum Qualification Which Are Essential To Execute The Role. Education Essential: Master’s degree is preferred for members of WB Team while it may not be necessary for Retail Team Preferred: CA/MBA from a reputed institute Experience Essential: Experience of 5 years+ is required Preferred: Prior experience in BFSI sector/General industry in junior management role (IC) Competencies CORE COMPETENCIES LEADERSHIP/ BEHAVIORAL COMPETENCIES Customer and Quality Focus Professional Entrepreneurship Drive for Results Influence and Impact Integrity Lead and Develop people Enables Change Build transparent and inclusive teams Section VII: AUTHORIZATION Reviewer Date Approver Date