Responsibilities

We are looking for an exceptional staff product manager to join our growing team. In this role, you will be involved in the driving the roadmap and delivery of Workato’s Agentic platform. You will closely collaborate with other product managers, engineering teams and customers to shape our roadmap and deliver reliable enhancements that align with Workato’s strategic objectives. In this role, you will also be responsible to:

• Oversee the development and maintenance of assigned areas of Workato’s Agentic platform
• Analyze adoption and usage data to identify areas for improvement and optimization
• Research and identify new opportunities for Workato's Agentic Platform
• Define product requirements and work with engineering teams to deliver new features and services
• Collaborate with engineering teams and make calculated product decisions to navigate the timely delivery of features.
• Contribute to the development and refinement of the product roadmap for the Workato Agentic
• Provide regular updates and reports on product performance and project status to senior management
• Engage with customers to gather feedback, understand their needs and challenges, and use insights to drive product improvements and enhancements
• Ensure high levels of customer satisfaction by delivering valuable and reliable product features

Requirements

Qualifications / Experience / Technical Skills

• 7+ years of product management experience working on Automation and/or AI products
• Ability to lead technical discussions with internal and external stakeholders and present eloquently at industry events
• Comfortable working with qualitative and quantitative data to gather insights and using that to influence roadmap decisions
• A proven track record of building successful products in a fast-paced environment
• Experience working with cross functional teams to ensure successful delivery and adoption of the product you own
• Bachelor's or Master’s degree in a technical field (Computer Science, Engineering or a related discipline)

Soft Skills / Personal Characteristics

• Excellent communication skills with experience writing both technical and business documents
• Strong ability to collaborate with others throughout the company across international time zones
• Able to work independently and efficiently to hit short deadlines
• Strong organizational skills and attention to detail to juggle multiple projects simultaneously
• Ability to navigate projects with multiple stakeholders
• Thoughtful team player, a quick learner, and have a “can do” attitude with a growth mindset

• Title: Product Application Laboratory (PAL) Leader, SEC
• Industry: Chemistry, Equipment & Analytical Control Tools Manufacturer
• Working Hours : 5 Days, 9 am – 5:45 pm
• Office at Gul Circle (Shuttle Service at Pioneer & Joo Koon MRT)
• Salary: $7500 - $8000
• DEPARTMENT : PRODUCT APPLICATION LAB

About the company: A privately held, global company with a belief in innovation and employee empowerment. With over 1000 employees worldwide, a global supplier of specialty chemicals, custom finishing equipment, engineered powders, and analytical control systems to the electronic component, printed circuit board, semiconductor, industrial finishing and decorative industries.

Requirement

• The role may require regular travel to Malaysia, Vietnam, Philippines, and Thailand (1-2 times per month) & less frequent travel to France and the US (1-2 times per year)
• Qualifications: Graduate degree (Masters or PhD) in Chemistry or Chemical Engineering
• Experience: 10 Years of experience in Semiconductor Wafer Processing industries

Job Description

This role will be responsible for our Product Application Lab for Semiconductor applications. Working closely with the Sales team and global technical resources, the selected candidate will support the development and growth of Semiconductor industry products in the region, focused on Southeast Asia.

The initial focus will be on Strip, Etch, and Clean (SEC) solutions, but will also grow to include the Elevate® line of electroplating products. Duties will include:

• Having a deep understanding of Technic products for the Semiconductor industry,
• Keeping abreast of industry developments and market position/performance of comparable competitive products.
• Working with Sales team to select appropriate customer and application targets
• Visiting customers across the territory to understand their equipment, process, and product performance requirements.
• Starting-up and operating the Technic Wafer Processing and Failure Analysis lab
• Conducting product functional performance testing & measurements either on-site or coordinating with other Regions to generate test results remotely.
• Advising on laboratory upgrades needed to better serve customers
• Liaising with customers during qualification tests and providing trouble-shooting advice after installation
• Recommending the best product for the application based on product experience and/or laboratory trials
• Hiring and supervising at least one technician to maintain the lab and support customer trials
• Developing specifications and facility recommendations for local manufacturing of SEC products, either at Technic or third-party facilities
• Advise on hiring and lead training of operators for local manufacturing
• Set operating procedures, quality targets and release specifications for any eventual locally made semiconductor products
• Developing external collaborations with co-suppliers, Universities, or Government Research Institutes to strengthen our offering, improve our market visibility, or secure funding to advance our product offerings.

#SCR-carson-cheong

⭕ Cheong Kar Chun ⭕ Team Manager ⭕ R1980386

⭕ The Supreme HR Advisory ⭕ 14C7279

• Lead the tender team to prepare tender submission for new building construction projects.
• Handle tender works and provide the directions on planning, construction technique, quality of tender submission documents, risk and issue management, tender price negotiation with suppliers and subcons for finalization.
• Check tender documents, scope of works, checking the feasibility for qualification, financial criteria.
• Manage the presentations, risk matrix, information to top management to get approval for bidding.
• Prepare technical & commercial bids as per the tender requirements.

Requirements:

• Degree in Civil Engineering recognised by the PE Board.
• At least 7 years as a Project Manager experience in tendering of new Building Construction Projects in Singapore for Mega Projects.
• Strong knowledge in all aspects of construction projects including budgeting, and scheduling and able to understand project implications.

If you are keen to apply for the position, kindly email your detailed resume in MS Word to [email protected]

Please note that only shortlisted candidates will be notified.

For more job opportunities, please visit our website at www.recruit-expert.com

EA Licence: 19C9701
Registration: R1326740

• Singapore Based (Geylang)
• 5 days, 8.30am- 6pm
• Salary: $5000 - $6000 + $500 transport allowance
• At least Diploma in Business Management or any related fields; 8 years’ experience in F&B operations
• Career Progression Opportunities

Job scope:

• Analyse data relationships, patterns and trends to gain important insights and make informed decisions
• Develop and maintain business continuity strategies, policies and guidelines
• Establish business continuity processes
• Provide leadership during crisis situations
• Direct negotiation policy and develop negotiation limits
• Facilitate innovation and lead managers to manage change
• Establish and maintain strategic business partner relationships
• Resolve conflicts with stakeholders
• Develop service recovery framework
• Drive customer loyalty for service excellence
• Develop and establish financial budget and plan
• Drive service quality and customer satisfaction
• Create original applications or ideas to reveal new possibilities and reshape goals through high level of innovativeness
• Facilitate innovation process within the organisation
• Lead by example at organisational level. Inspire, motivate and guide others to adopt a point of view, make changes or take action. Cultivate an open, cooperative and collaborative learning culture for the organisation
• Champion a service excellence ethos
• Lead managers to develop organisational and governance strategies
• Establish strategies for the allocation and deployment of resources efficiently and effectively
• Foster business relationships and organisational diversity
• Strategize workforce for service excellence
• Provide mentorship to help others in their professional and personal development to improve performance and further their careers
• Develop managers and high-potential employees through organisational talent capability reviews
• Develop self to maintain professional competence to lead an organisation
• Develop a business plan
• Establish business strategies for the business function
• Establish operational plans for the business function
• Strategize service operations
• Anticipate potential problems beyond the current scope and apply higher order problem solving tools and techniques to turn problems into opportunities
• Lead programme and project after-action review
• Develop a risk management framework, policy and process
• Manage compliance with F&B hygiene policies and procedures
• Manage revenue management

Requirements:

• At least Diploma in Business Management or any related fields
• Minimum 8 years’ experience in F&B operations with at least 3 years’ experience in leading at least a market chain outlets as Operations Manager or equivalent
• Ability to forecast and follow through budgets
• Set business plans and strategies with control in place
• High analytical skills to identify opportunities and trends in making business decisions
• Excellent computer skills in Power point, Words & Excel
• lf-initiate with inter-department leaders to develop plans to meet business KPIs
• Set vision and lead the team to achieve business results

Kylen Seah Reg No: R24124248

The Supreme HR Advisory Pte Ltd EA No: 14C7279

Company Description

Vialto Partners is a market leader providing globally integrated solutions supporting global workforce mobility, including immigration, tax, compensation and incentive, managed services, and digital solutions. As a trusted advisor of compliance, consulting and technology services to multinational corporations, the firm solves complex, cross-border workforce mobility challenges to ensure its clients and their employees have a consistent and compliant global mobility experience.

Job Description

We help our clients stay ahead of changes that impact their businesses, navigating complexity and risk. We deliver deep tax technical, people and legal expertise, while providing the critical context to make informed and compliant decisions. With clients ranging from multinational organisations and public sector bodies to entrepreneurs and family businesses, the work we do is diverse.

As a Manager, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. Professional skills and responsibilities for this management level include but are not limited to:

● Proactively lead and manage a portfolio of clients and build relationship with potential clients

● Be actively involved in business development activities to identify new opportunities and targets

● Serve as primary point of contact for the clients and manage client expectations in terms of processes, timelines and providing effective solutions to any difficulties or challenges during times of change and uncertainty

● Lead, train and coach team members to consistently deliver optimal performance to meet the business needs and objectives of our clients

● Contribute to the development of your own and team’s technical acumen

● Identify and determine practice areas for improvement, propose and implement strategies

● Revamp processes and working procedures to maximize operational efficiency while ensuring high quality services and support to clients

● Be responsible in the overall financial management of client accounts

● Develop strategies to solve complex technical challenges and build a range of meaningful recommendations

● Lead in the management and delivery of internal and external projects

● Develop a point of view on key global trends, and how they impact clients

● Manage a variety of viewpoints to build consensus and create positive outcomes for all parties

● Simplify complex messages, using data and insights to inform conclusions and support decision-making

● Review team’s work of individual income tax returns prior to submission and other employer forms and deliverables.

● Uphold the firm's code of ethics and business conduct.

Requirement

● The ideal candidate possesses a tertiary qualification in any discipline with 6+ years of relevant experience.

● Demonstrates extensive abilities and/or a proven record of success in utilizing technical skills in individual tax compliance, tax planning and expatriate tax program policy and administration design; identifying and addressing client needs, building, maintaining, and utilizing networks of client relationships and community involvement; communicating value propositions; managing resource requirements, project workflow, budgets, billing and collections; and preparing and/or coordinating complex written and verbal materials.

● Considerable experience as a team leader: supervising teams to create an atmosphere of trust; seeking diverse views to encourage improvement and innovation; and coaching staff including providing timely meaningful written and verbal feedback.

● Demonstrates success as tax technical business advisor, including developing new relationships, and making introductions to market new services.

● Demonstrates knowledge of automation & digitization in a professional services environment including but not limited to:

● Innovating through new and existing technologies, along with experimenting with digitization solutions;

● Working with large, complex data sets to build models and leverage data visualization tools to provide insights to clients;

● Utilizing digitization tools to reduce hours and optimize engagements.

● Knowledge of alternative fee arrangements, including the use of pricing tools, to provide a point of view on pricing strategies.

To apply, It will be great if you could share your CV to [email protected]. Alternatively, you can apply at https://lnkd.in/gKgm7cq5

• Autonomy to make key decisions for Oracle Enterprise HR on a global scale.
• Permanent role with an established company

About the company

Our Client is a market leader within their industry. They have a well-established presence of more than 20 years. With rapid expansion plan, they are now looking for a IT Manager - ERP Oracle HR / HRMS to join their team.

About the job
Your role involves:

• Managing a lean Oracle HR team, this includes hiring, conducting performance appraisal and handling escalation
• Oversee the maintenance and higher adoption rate of the recently upgraded Oracle Fusion HR system.
• Implementing system enhancements and upgrades.Ensuring projects is implemented according to timeline, budget and scope.
• Handling configuration and integration of the system to meeting user requirements
• Managing external vendors, ensuring that SLA has been adhered to

Skills and experience required

As a successful applicant, you will have at least at least 7 years of experience in Oracle HR. At least 2 years of experience of direct team management. Proven track record in engaging with business stakeholders will be required for this role.

Candidates with regional / global exposure will be of added advantage.

Whats on offer
This is an excellent opportunity to join an established company for a global role. You will get the autonomy to make key decisions for Oracle Enterprise HR on a global scale.

To apply, It will be great if you could share your CV to [email protected]. Alternatively, you can apply at https://lnkd.in/gKgm7cq5 (EA: 94C3609/ R1219669)

To apply, It will be great if you could share your CV to [email protected]. Alternatively, you can apply at https://lnkd.in/gKgm7cq5

• Autonomy to make key decisions for Oracle Enterprise HR on a global scale.
• Permanent role with an established company

About the company

Our Client is a market leader within their industry. They have a well-established presence of more than 20 years. With rapid expansion plan, they are now looking for a IT Manager - ERP Oracle HR / HRMS to join their team.

About the job
Your role involves:

• Managing a lean Oracle HR team, this includes hiring, conducting performance appraisal and handling escalation
• Oversee the maintenance and higher adoption rate of the recently upgraded Oracle Fusion HR system.
• Implementing system enhancements and upgrades.Ensuring projects is implemented according to timeline, budget and scope.
• Handling configuration and integration of the system to meeting user requirements
• Managing external vendors, ensuring that SLA has been adhered to

Skills and experience required

As a successful applicant, you will have at least at least 7 years of experience in Oracle HR. At least 2 years of experience of direct team management. Proven track record in engaging with business stakeholders will be required for this role.

Candidates with regional / global exposure will be of added advantage.

Whats on offer
This is an excellent opportunity to join an established company for a global role. You will get the autonomy to make key decisions for Oracle Enterprise HR on a global scale.

To apply, It will be great if you could share your CV to [email protected]. Alternatively, you can apply at https://lnkd.in/gKgm7cq5 (EA: 94C3609/ R1219669)

Position: Kitchen Manager

Halal, Sichuan hotpot and BBQ dining experience in Singapore.

• Working Hour : 6 days , 8hour per day
• Salary : $3000- $3500
• Location : Kinex Mall

Responsibilities:

• Assist the Cook with the preparation of meal ingredients
• Stir and heat soups and sauces
• Wash and store all cooking appliances, instruments, utensils, cutting boards, and dishes
• Organize and store food supplies properly in kitchen, cold room and storeroom
• Any other ad-hoc duties as assigned by the Company

Chin Wai Loon Reg No: R24121618

The Supreme Hr Advisory Pte Ltd EA No: 14C7279

Responsibilities

• Service, upsell and built rapport with existing customer accounts within semiconductor industry
• Create targeted marketing strategies and campaigns for specific products or product lines to solidify market presence and differentiate them from competitors.
• Formulate business plans and strategically position products in the marketplace.
• Conduct market research, keep track of competitors’ activities, and assess customer needs to inform business decisions.
• Develop pricing frameworks, collaborate with engineering, manufacturing, and sales teams to launch new products or improve existing ones.
• Prepare and negotiate pricing quotes, finalize terms, and ensure documentation is ready for order processing.
• Oversee follow-ups on outstanding accounts receivables.
• Present company product roadmaps and capabilities to customers while conveying customer technology requirements to relevant business units.
• Maintain comprehensive records of all customer engagements and develop tailored action plans with timely execution.
• Build relationships with both potential and current customers to identify and address their service needs.
• Work with business unit representatives to set the annual sales budget.

Requirements:

• Bachelor’s degree in Engineering or a related field.
• Minimum of 2 years of relevant experience within the semiconductor industry.
• Willingness to travel overseas and work extended hours on challenging sales projects.
• Excellent communication and interpersonal skills.
• Detail-oriented, organized, and a proactive team player.
• Self-motivated and capable of working independently with minimal oversight.

Please submit your updated resume in Word format by using the Apply Now Button.
We regret that only shortlisted candidates will be notified.

Email resume to [email protected]

People Profilers Pte Ltd, 20 Cecil Street, #08-09, PLUS Building, Singapore 049705.
Tel: 6950 9724

http://www.peopleprofilers.com
EA License Number: 02C4944
Registration Number: R1872398

Posting Personnel: Ng Jwee Ken

Ref: QXW39YVY

Key Responsibilities

1. Tax Strategy & Compliance Optimization

Identify opportunities to maximize cash flow and minimize the effective tax rate.

Detect tax issues and potential savings through Interim Tax Compliance Checks.

Lead the design and implementation of tax strategies across the region.

2. Tax Issue Management & Capability Building

Conduct local tax education and quarterly evaluations to identify and resolve tax issues.

Facilitate cross-subsidiary collaboration through tax process checks and issue resolution projects.

Establish optimal tax risk management frameworks for subsidiaries.

3. Compliance and Integrity Maintenance

Strengthen the tax risk monitoring system to ensure compliance and issue integrity.

Ensure adherence to the highest tax compliance and ethical standards.

Oversee federal, state, and international income tax returns and related analyses.

4. Process Improvement & Standardization

Develop internal processes within the Asia Tax Center.

Standardize tax issue management guidelines and evaluation processes for subsidiaries.

Ensure continuous improvement of tax-related processes, focusing on efficiency and transparency.

5. Other Responsibilities

Lead tax project planning and implementation.

Act as the primary contact for tax strategy, tax planning, tax compliance, tax advisory, and tax technical training.

Maintain strong relationships with external tax authorities and internal business units.

Lead audits of federal, state, and international tax filings.

Ensure risk management ratings are maintained through effective tax governance.

Requirements

1. Educational Background:

Bachelor's Degree in Tax, Accounting, or Business Management.

Master’s Degree in Business Taxation or a related field (Preferred).

2. Professional Experience, Skills & Competencies:

Minimum 15 years of relevant tax experience in the financial services or related industry.

Strong background in international tax, tax planning, and regulatory compliance.

In-depth knowledge of global tax laws, international tax structures, and compliance standards.

Excellent leadership and project management skills.

Ability to manage cross-functional and multicultural teams across different countries.

Strong analytical, negotiation, and problem-solving skills.

High proficiency in tax management systems and financial reporting tools.

Role Summary:

As a Principal Software Engineer on our team, you’ll play a key role in supporting our digital transformation journey as a senior specialist in our development team to build and implement large-scale applications involving APIs and UIs that will be leveraged across the business. You’ll be both hands-on and strategic, diving deep into code to define system behavior, and establishing technical roadmaps that you and the developers on your team will act upon to deliver quality and scalable software solutions. You will also have the opportunity to directly engage with senior leadership as you communicate back and forth with the business to ensure these software solutions align with business objectives.

Education and Experience:

• Background in computer science, information systems or bachelor’s or master’s degree in computer science, Information Technology, Computer Engineering, Software Engineering, or a related field.

• Insurance/Financial services background preferred.

Responsibilities:

• Leading proof of concept initiatives with Solution Architects as required.

• Create and maintain technical architecture documentation for solutions.

• Define development standards and tooling for the squads.

• Partner with business stakeholders to translate business requirements into consumable technical stories and software solutions.

• Participate in solutioning and estimation activities for upcoming opportunities.

• Mentor a team of software developers to build quality software solutions aligned to architecture guidelines.

• Deep dive on technical solutioning or troubleshooting with the Tech Leads and Squads as required.

• Provide debriefing and support to Tech Leads and Developers on POCs that are being handed over to Sprints for full implementation.

Functional Competencies:

• Able to provide technical excellence while embracing flexibility over building “bulletproof” systems.

• Passionate learner who keeps up with evolving technologies and is willing to experiment to test what would work for the business.

• Experience in or willingness to learn Agile methodology and working in a cross functional team.

Technical Competencies:

• 15+ years of hands-on, full-stack development experience building high performance, scalable and reliable software applications using Java and Microsoft technology stacks.

• Experience in Angular for front-end development including Single Page Application and Micro-Frontends.

• Deep understanding of SQL Server, including database design models, database performance optimization and the ability to develop and maintain PL/SQL Packages, Stored Procedures, Triggers, and Functions in SQL Server

• Demonstrated experience developing REST based APIs using Microservice architecture, Open API Specification and/or creating specifications w/Swagger.

• Experience in containerizing applications using Docker & Kubernetes

• Previous experience with cloud solutions (Azure preferred) along with experience configuring DevOps/continuous integration and continuous deployment (CI/CD) pipelines using tools such as Git, Jenkins and/or Maven.

• Experience in monitoring and logging tools such as ELK and Prometheus.

• Experience with secure SDLC and application security & compliance.

GENERAL DESCRIPTION

The role of an Associate Relationship Manager (Associate RM) is linked to the respective internal development programme. It is therefore a transitional role for a limited period of time (generally 3 years), with the overall aim of the Associate RM becoming a Relationship Manager (RM) after the successful completion of the programme. The present role profile describes the key features of the position towards the end of the programme, not at the very beginning.

The Associate RM is part of a front team and serves private clients of the Bank in close collaboration with one or several senior Relationship Managers, other team members, and specialists. This entails the delivery of comprehensive wealth management solutions to meet the clients’ needs as well as dealing with routine enquiries and transactions. Acquisition of new client relationships through his/her network is an additional, integral element of the role.

KEY FEATURES OF THE POSITION

• Attract prospects, proactively build up an own client book, and retain existing clients in close collaboration with other team members.
• Proactively ask for support, feedback, and guidance from other relationship managers in the team in developing and maintaining successful client relationships.
• Respond to all client needs in the highest possible quality and in a timely manner.
• Provide appropriate investment advice in collaboration with specialists (when needed) and in line withinternal policies and guidelines while meeting external rules and regulations.
• Deepen client relationships and continuously optimise client’s potential revenues through the acquisition of additional share of wallet / cross-selling.
• Match the frequency and intensity of contact based on the client’s preference.
• Ensure highest level of data security (CID / data privacy) through access management.
• Provide accurate client relationship documentation formalities at all times including client identification documentation (CDB), account opening forms and other relevant legal forms.
• Take up client feedback regarding products and services with the relevant specialists within the Bank to ensure continuous improvement and adaptation in line with market trends.
• Constantly monitor potential risks to protect the Bank and its clients as part of the first line of defence.
• Create and implement new marketing strategies in conjunction with the Team Head / SCE.
• Contribute to strategic initiatives (e.g. to optimise key processes or support new product initiatives).
• Participate actively in the Associate RM development programme and engage in the Associate RM Community to share experience and best practice.

REQUIREMENTS OF THE POSITION

Personal and Social Skills

• Very good inter-personal skills, open and approachable, good networker.
• Good listener with genuine interest in people.
• Excellent situational adaptability to relate to clients and colleagues from diverse backgrounds.
• Resilient mentality and ability to work under pressure, feels confident with uncertainty.
• Motivated, persistent, and persuasive personality.
• Strong team player.
• Works autonomously and allocates work time independently.
• Trustworthy and discreet personality with a high level of risk and compliance awareness.
• High personal integrity and ethical behaviour.
• Willingness to learn and grow personally.

Professional/Technical Skills

• Knowledge of global financial markets, interest in market developments and industry trends.
• Basic cultural understanding of geographical markets to be covered.
• Understanding of legal & regulatory environment of respective markets and jurisdictions.
• Good understanding of relevant products, services as well as tools in Private Banking,
• Ability to match client needs with appropriate product solutions.

Education and Experience

• Higher education (e.g. master’s degree of University, MBA, CFA) or other educational background combined with relevant professional experience.
• Proven track record of 3-5 years’ work experience or completion of the Julius Baer front graduate programme.

Regulatory (where applicable)

• MAS Registered/Appointed Representative.

We are seeking a highly skilled and experienced CTRM (Commodity Trading and Risk Management) Project Manager with a background in management consulting and expertise in commodity trading. The ideal candidate will play a crucial role in managing projects on the implementation and optimization of CTRM systems, leveraging their skills to deliver effective solutions.

• Lead and coordinate teams in an agile environment, ensuring high-quality, on-time delivery of projects.
• Lead & facilitate Agile ceremonies such as sprint planning, daily stand-ups, sprint reviews, and retrospectives.
• Develop comprehensive project plans, including scope, goals, deliverables, and timelines.
• Ensure that all projects are delivered on-time, within scope, and within budget.
• Act as the primary point of contact for all project-related matters.
• Establish and maintain relationships with clients, suppliers, and other stakeholders.
• Communicate project expectations and progress to team members and stakeholders in a clear and timely manner.
• Allocate project resources effectively and efficiently.
• Monitor resource utilization and adjust plans as necessary to meet project objectives.
• Manage project budgets, including forecasting and tracking expenses & identify and mitigate potential project risks and issues.
• Develop contingency plans to address potential obstacles.
• Ensure compliance with industry standards and regulations.
• Track project performance using appropriate tools and techniques.
• Report and escalate issues to management as needed.
• Provide regular project updates and status reports to stakeholders.
• Ensure that all deliverables meet the required quality standards.
• Implement and manage quality control processes throughout the project lifecycle
• Conduct post-project evaluations to identify areas for improvement

Qualifications:

• Bachelor’s degree in Business Administration, Engineering, or a related field.
• Scrum Agile or equivalent project management certification
• Project management experience within CTRM
• Experience of project management as a consultant
• Proven track record of managing projects from initiation to completion.
• Experience with resource allocation, budget management, and risk assessment.

Skills:

• Strong organizational and multitasking skills.
• Excellent communication and interpersonal skills.
• Proficiency in project management software tooling, particularly JIRA
• Ability to work under pressure and meet tight deadlines.
• Analytical mindset with problem-solving abilities.

We are seeking a highly skilled and experienced Assistant Manager in Cybersecurity Consulting to join our dynamic team. The ideal candidate will possess deep technical knowledge, strong leadership skills, and a proven track record in managing cybersecurity projects. This role involves working closely with clients to identify security risks, develop mitigation strategies, and implement solutions to protect their information systems

The role involves:

• Lead and manage cybersecurity consulting engagements, ensuring the delivery of high-quality services to clients.
• Conduct comprehensive security assessments, maturity assessments, and risk assessments.
• Develop and implement cybersecurity strategies, policies, and procedures tailored to client needs.
• Collaborate with cross-functional teams to design and deploy security solutions.
• Stay current with emerging cybersecurity trends, threats, and technologies to inform client solutions.
• Prepare detailed reports and presentations for clients, summarizing findings, recommendations, and action plans.
• Mentor and develop junior team members, fostering a culture of continuous learning and professional growth.
• Assist in business development activities, including proposal writing, client presentations, and identifying new opportunities.

The ideal candidate should possess:

• Bachelor’s degree in computer science, Information Technology, Cybersecurity, or a related field preferred.
• Relevant certifications such as CISSP, CISM, CISA, or equivalent.
• 5+ years of experience in cybersecurity consulting, with a focus on areas such as risk management, incident response, and security architecture.
• Strong understanding of regulatory frameworks and standards, including NIST, and ISO 27001, etc.
• Excellent project management skills with the ability to manage multiple engagements simultaneously.
• Strong analytical and problem-solving skills, with the ability to think strategically and act tactically.
• Exceptional communication skills, both written and verbal, with the ability to convey complex technical concepts to non-technical stakeholders.
• Proven ability to build and maintain client relationships, demonstrating a commitment to delivering exceptional client service.
• Ability to travel as required to meet client needs.

Only shortlisted candidates will be contacted by KPMG Talent Acquisition team, personal data collected will be used for recruitment purposes only.

At KPMG in Singapore we are committed to creating a diverse and inclusive workplace. We believe that diversity of thought, background and experience strengthens relationships and delivers meaningful benefits to our people, our clients and communities. As an equal opportunity employer, all qualified applicants will receive consideration for employment regardless of age, race, gender identity or expression, colour, marital status, religion, sexual orientation, disability, or other non-merit factors. We celebrate the different talents that our people bring and support every staff member in their journey to achieve personal and professional growth. One of the ways we do this is through Take Charge: Flexi-work, our flexible working framework which enables agile and innovative teams to help deliver our business goals.

The Company

Our client, a leading retail MNC, seeks a detail-oriented Assistant Finance Manager to oversee key financial functions for retail and e-commerce operations.

The Role

In this role, you will take ownership of preparing, monitoring, and analyzing monthly P&L and balance sheets for retail stores and e-commerce platforms, delivering actionable insights to support strategic business decisions. You will play a critical role in the annual budgeting and quarterly forecasting processes, providing variance analyses to align forecasts with actual performance. Additionally, you will review financial deal packs for new store openings, offering key feedback to stakeholders. Your responsibilities include journal postings, audit schedules, bank reconciliations, and supporting daily retail activities such as sales and cash reconciliations. You will also guide the team on fixed asset accounting and work closely with the AP team to ensure accurate payables management. Acting as a trusted business partner, you will collaborate with retail and e-commerce teams to drive operational excellence, manage financial compliance, and maintain alignment with finance SOPs. Furthermore, you will liaise with internal and external auditors, as well as regional and global finance teams, to ensure robust financial reporting. The scope also includes statutory filings, IFRS 16 lease accounting via SLAN tools, stock counts, fixed asset verifications, RBU reporting, and other ad hoc projects, contributing to the organization’s overall financial integrity and strategic growth.

Your Profile

Possess a degree in Accountancy, ACCA, or an equivalent qualification, complemented by 6-7 years of hands-on experience in retail or FMCG environments. Proficient in leading accounting systems such as SAP and Oracle, with advanced expertise in MS Office tools, including Excel and PowerPoint. A results-driven and self-motivated professional with strong business acumen, a deep understanding of international accounting standards, and a proven track record of delivering accurate and insightful financial solutions. Known for being trustworthy, responsible, and highly focused on achieving organizational goals while maintaining the highest standards of integrity and accountability.

Apply Today

Please send your resume, in WORD format only and quote reference number SN10481035, by clicking the apply button. Please note that only short-listed candidates will be contacted.

Robert Half International Pte Ltd Co. Registration: 200612189E | EA Licence No: 07C5595 | EA Registration No: R1109288

About the job

about the job

• Acquire affluent international customers through Global Leads
• Facilitate account opening, ensuring proper KYC procedures before onboarding customers
• Collaborate with offshore Relationship Managers to deliver a comprehensive wealth management experience for new and existing affluent clients, while promoting the Bank's exclusive depository products and services.
• Work closely with various internal departments and stakeholders to convert referrals and prospects into New-to-Bank affluent customers.

skills and experience required

• Previous experience managing international clients and conducting KYC within a banking environment.
• Familiarity with account opening processes is an advantage.
• A self-motivated and driven individual.

To apply online please use the apply function
(EA: 94C3609/ R21103354)

Career Opportunity: Relationship Manager Team Lead (Investment)

Company: Summit Planners Crusaders Pte Ltd

Location: Singapore

Employment Type: Full-Time

Are you a results-driven leader with a passion for guiding teams and delivering exceptional investment solutions? Summit Planners Crusaders Pte Ltd, a premier one-stop integrated financial services provider, is seeking a Relationship Manager Team Lead (Investment) to join our dynamic team. Take the next step in your career with a role that recognizes your leadership, rewards your success, and provides opportunities for growth.

Why Join Us?

At Summit Planners Crusaders, your contributions are celebrated.

Here's what we offer:

✅ Yearly incentive trips to prestigious destinations.

✅ Generous bonuses to reward your performance and leadership.

✅ Recognition and advancement opportunities for your dedication and achievements.

✅ A supportive environment focused on professional growth and collaboration.

Your Responsibilities

As a Relationship Manager Team Lead (Investment), you’ll:

• Lead and mentor a team of Relationship Managers, fostering a high-performance culture.
• Develop and implement effective sales strategies to drive team success and exceed revenue goals.
• Build and maintain strong client relationships by providing expert investment advice tailored to individual needs.
• Stay up to date on market trends, financial products, and regulatory changes to offer informed guidance.
• Collaborate with internal teams to ensure exceptional service delivery and client satisfaction.

What We’re Looking For

We’re seeking a dynamic professional who possesses:

• At least 2 years of leadership experience with a proven ability to manage and inspire teams.
• Strong sales and business development skills with a track record of meeting and exceeding targets.
• Exceptional interpersonal and communication skills to engage clients and motivate team members.
• Educational Qualification: Polytechnic Diploma or higher.
• CMFAS certification (e.g., M1, M5, M6, or others) is highly recommended and will give you a competitive edge.

What You’ll Gain

• Access to a diverse range of innovative financial products and solutions.
• Professional training and leadership development programs.
• Recognition of your achievements through promotions, awards, and financial incentives.
• Exciting opportunities to travel with yearly incentive trips to world-class destinations.

Elevate Your Career in Leadership!

If you’re ready to lead, inspire, and excel in a role that values your skills and contributions, we want to hear from you!

The CFO team

The team helps businesses with their financial reporting and accounting needs in all areas of the business lifecycle. The team works across a wide range of industries, to advise clients on matters such as interpretation and implementation of standards, preparation and consolidation of financial statements, and for accounting for business transactions.

Working together towards this objective, the dynamic team has a collaborative culture with supportive leaders. The open and encouraging culture places great focus on the growth of its people and the leaders of team are always accessible and ready to support the team.

Position Overview:

We are seeking a highly skilled Finance Transformation Manager to join our growing CFO Advisory team. In this role, you will lead projects that help our clients implement and optimize finance transformation strategies, focusing on improving their finance operations, technology, and overall efficiency. You will work with senior stakeholders, helping them design and implement new finance operating models, enhance digital capabilities, and manage the integration of advanced financial technologies.

As a Finance Transformation Manager, you will be expected to deliver high-quality solutions across areas such as finance process redesign, finance technology implementation, and financial reporting improvements, with a particular focus on various finance technology tools. This role is ideal for professionals with a strong background in finance transformation, accounting processes, and finance technology who are eager to make a meaningful impact for clients across diverse industries.

Responsibilities:

Lead Finance Transformation Projects:

• Manage end-to-end finance transformation initiatives, ensuring that projects are delivered on time, within scope, and budget. Oversee the development and implementation of target operating models, process reengineering, and digital finance solutions, including financial close processes and shared services models.
• Design and implement finance technology solutions to optimize key processes such as accounts payable/receivable, general ledger, financial reporting, and reconciliation.

Client Engagement & Stakeholder Management:

• Act as the primary point of contact for clients, leading strategic conversations, workshops, and presentations for senior management. Collaborate with client finance teams, senior executives, and technical stakeholders to align finance transformation strategies with broader business objectives.
• Provide expert advice on complex finance transformation topics, from process redesign to technology selection and implementation.

Business Case & Technology Enablement:

• Lead business case development for finance transformation programs, providing recommendations on technology solutions, organizational design, and process changes to enhance client financial operations.
• Drive the selection, configuration, and implementation of financial technologies that enable efficient financial reporting, reconciliation, and compliance.

Continuous Improvement & Methodology Development:

• Lead the development of finance transformation methodologies, tools, and best practices. Continuously improve service offerings by identifying and implementing best-in-class practices and emerging technologies to enhance clients' financial processes.
• Conduct assessments of clients' current finance operations, identify gaps, and recommend improvements for process optimization.

Team Leadership & Mentoring:

• Manage and mentor junior team members, providing guidance on project delivery, technical challenges, and career development.
• Promote a collaborative environment, working closely with other teams (e.g., audit, tax, technology) to deliver comprehensive, integrated services to clients.

Business Development & Proposal Support:

• Identify new business opportunities within existing client relationships and drive the development of proposals for new clients.
• Participate in the sales process by presenting solutions, leading proposal development, and helping clients understand the value of finance transformation initiatives.

Qualifications & Requirements:

• A degree in Accounting, Finance, or a related field. Postgraduate qualifications (e.g., MBA, CPA, CA) are highly preferred.
• A minimum of 8-10 years of relevant experience in finance transformation, with a strong understanding of finance operations, process redesign, and technology implementation.
• Proven experience in managing finance transformation projects, including the implementation of financial systems.
• Expertise in finance processes such as financial close, general ledger, reconciliations, and reporting, as well as experience with shared services and process reengineering.
• Experience in leading and mentoring teams, with strong leadership and interpersonal skills.
• Demonstrated ability to engage with senior stakeholders, lead client workshops, and communicate complex solutions clearly.
• Strong project management skills, including the ability to manage multiple client engagements simultaneously, ensure project delivery on time and within budget, and manage client expectations.
• Experience in business development and proposal writing, with a track record of identifying and winning new business opportunities.
• Strong communication skills, with proficiency in Microsoft Excel and familiarity with financial reporting tools (e.g., XERO, Quickbooks, SAP).
• Experience with MAS regulatory reporting or familiarity with global accounting standards (e.g., IFRS, US GAAP) is a plus.

We are partnering with a prestigious energy and infrastructure firm to seek a Senior Account Manager - Data Centre in Singapore. This is an exceptional opportunity for a seasoned sales professional with a proven track record in the data centre industry, ideally as a vendor.

Seniority range: Senior Executive - Senior Manager level.

Responsibilities:

• Forge and nurture strong relationships with hyperscalers and colocation clients.
• Develop and implement strategic sales plans to achieve ambitious sales targets.
• Deliver innovative energy and low carbon solutions to data center end-users.
• Manage all phases of the contract lifecycle, from initial drafting and thorough review to strategic negotiation and final execution.
• Analyze market trends, client feedback, and the competitive landscape to guide strategic decisions.

Requirements:

• Bachelor's Degree in Engineering, Business, or a related field.
• Over 8 years of sales experience as a vendor to hyperscalers and colocation data centers.
• In-depth knowledge of data center infrastructure, power, or utilities industry.
• Proven sales success within Singapore; regional experience is a plus.

If you are interested, please apply with your latest CV. Only shortlisted candidates will be contacted.

China Life Insurance Singapore (CLIS) aims to foster a strong sense of belongings for all employees with people-oriented corporate culture.

Position Objective:

To be involved in areas such as IFRS17 valuation reporting functions, actuarial modelling (liability model/ALS model), as well as, other ad-hoc actuarial projects.

Job Responsibilities:

• Support IFRS17 valuation reporting for production and ensure the financials are in compliance with current accounting standards
• Identify areas of enhancement in IFRS17 valuation reporting to streamline and value add to current production process
• Maintenance and enhancement of both Prophet liability and ALS model for RBC2, IFRS17 and other internal reporting purposes;
• Support IFRS 17 business planning, including but not limited to development of new capabilities/KPIs, analyzing of the financial results, sensitivity testing and optimizing business strategies with forward looking view;
• Drive and provide support to audit matters, as well as, other ad-hoc projects related to IFRS17
• Support to other business units functions, if needed

Job Requirements:

• Bachelor degree in Actuarial Science or closely related subjects, such as Data Analysis and Mathematics
• Minimum 3 to 5 years of working experience related to IFRS17 valuation in life insurance industry
• Technical, sensitive to details, ability work independently and apply critical thinking
• Job title and rank depend on the number of years of actuarial working experience in Life/GI insurance
• Proficient in MS Excel, Macro and Prophet Model coding
• Good communications skills, meticulous and detail-oriented team player
• Must be a member of an actuary association recognized by the Singapore actuarial society and have a good progress in actuarial exams
• Ability to read and write in Chinese will be an advantage
• Fluent in both spoken and written English and Chinese

Would you like to do the opening of our Mama Shelter Singapore?

THE MISSION?

Ready to elevate Mama Shelter’s brand to new heights?

This is a fantastic opportunity for an experienced commercial Account Development Senior Manager who has prior experience of generating new revenue from existing clients. Taking direct accountability for a cluster of global clients, the Account Development SM combines an excellent knowledge of the FMCG industry and a deep understanding of NielsenIQ products and services. You will be responsible for aligning key customer priorities and insights with NielsenIQ’s capabilities, identifying and converting opportunities to deepen commercial relationships and drive additional revenue.

You will develop and maintain effective relationships with individuals and teams both internally and with the clients, to provide best-in-class NielsenIQ/client commercial partnerships.

We are looking for someone ready to drive positive change, able to challenge wider business processes, and be fully driven by achieving success with the support of the wider industry team.

You will need to engage at all levels and work successfully across a matrixed organization structure, fully leveraging the service model.

Responsibilities

• Individual seller responsible for accelerating organic growth whilst delivering on revenue plans
• Own the commercial relationship with your clients, develop Joint Business Plans and a strong understanding of your clients’ business strategy, objectives and growth opportunities
• Devise a strategic approach with agile and flexible solutions that deliver value to our clients in a profitable way
• Deliver revenue plans by negotiating the renewal of contracts and continuous services with clients
• Identify sales opportunities for NielsenIQ services and solutions to help the client achieve their strategic objectives
• Own and deliver on global contractual commitments with clients
• Build and maintain strong networking and C-suite engagement with key players in the clients’ business, and lead discussions with a wide range of decision influencers and budget owners.
• Partner closely with customer success team to help deliver relevant insights/ thought leadership using NielsenIQ proprietary tools to key clients stakeholders and help drive overall NIQ sales through this engagement
• Partner and develop effective relationships with Market Sales Leaders, Customer Success and relevant teams in the region to enable them to achieve their targets

Group Overview

The Value-Added Services team is responsible for the short and long term growth of merchant acceptance for Visa’s existing and new Digital products and services. The team will achieve its success through working with and through its acquiring partners, key merchant partners and the technology firms driving innovation in the market place. This Singapore-based role will require you to be able to service mainly the Southeast Asian markets.

What a Senior Manager Technical Sales and Delivery does at Visa:

The Senior Manager Technical Sales & Delivery role will be responsible for providing technical and functional expertise for our Payments and Fraud Management and prevention platform. This role will also be responsible for consulting with our Clients on Business Processes and recommending Best in Class Payment and Fraud Prevention strategies. The role requires you to lead the pre-sales consultation and solution design discussion of new clients. Supporting client migration plans, developing and refining new solution offerings, and working with internal and external stakeholders to provide an optimal integration experience with the Cybersource and Visa platforms by demonstrating to our clients how our Integrated Commerce solutions can be integrated into their existing infrastructure and business processes while addressing any technical concerns.

You will be required to work closely with regional sales teams, internal operations teams, and product teams to ensure success. The success of this role will be measured on growth of revenue and successfully integrated clients. Candidates should have demonstrated skills in: Sales Engineering, Project Management, Consulting, and presentation/training in complex IT environments. The candidate should be familiar with SaaS solutions related to bankcard/acquiring, payment gateway, payment security, and fraud prevention. The right candidate will have a passion for project management excellence, customer advocacy, and will see this role as contributing to the strategic evolution of our business.

Responsibilities

• Develop tactical and strategic plans to support the needs of new and existing enterprise clients.
• Provide technical, functional and subject matter expertise to our sales team
• Conduct technical presentations and product demonstrations for customer audiences
• Be a lead resource in supporting the preparation and responses for RFPs and RFIs
• Work closely with our Product Management team to maintain technical and functional knowledge of existing and new services
• Identify and work with third party resources as necessary to support client integration needs; down to code level detail
• Project planning, coordination, and delivery of services
• Communication and risk management to senior stakeholders internally and externally
• Drive revenue activation projects with industry standard Project management methodologies
• Consult with Clients for Solution Design & Architectural design
• Design and document custom workflow processes
• Develop and deliver customer, partner and internal training
• Contributing to corporate knowledge and best practices by creating or enhancing documentation and processes.
• Work with internal and client teams to develop integration plans, manage diverse stakeholders, and manage expectations

Why this is important to Visa

The Senior Manager, Technical Sales & Delivery position will be an integral part of our growing Asia Pacific Cybersource sales force. In this role, you will be responsible for working closely with our sales teams in providing technical and functional expertise for our suite of payment and risk management solutions, responsible for implementation and integration of new strategic clients, supporting client migration plans, delivering new solution offerings, and working with internal and external stakeholders to provide an optimal integration and project delivery experience with the Cybersource and Visa platforms by demonstrating to our clients how our solutions can be integrated into their existing infrastructure and business processes while addressing any technical concerns.

Projects you will be a part of:

You will be required to work closely with regional sales teams, internal operations teams, and product teams to ensure success. The success of this role will be measured on growth of revenue and successfully integrated Card Present Processing, Card Not Present Processing and Integrated Commerce clients. Candidates should have demonstrated skills in: project management, and presentation/training in complex IT environments. The candidate should be familiar with SaaS solutions related to bankcard/acquiring, payment gateway, payment security, and fraud prevention. The right candidate will have a passion for Technical Selling, Solution Consultancy, project management excellence, customer advocacy, and will see this role as contributing to the strategic evolution of our business.

Furthermore, you will be at the forefront of Digital payment Systems of the Asia Pacific Markets, Working with Digital Market leaders that shape the landscape of payments. Not only will you be working with Acquiring Banks but also large scale Payment Technology Providers, merchants ,Payment Service Providers, Digital payment providers and market leaders.

About the Role:
We are seeking an experienced and strategic Senior Relationship Manager to lead our Corporate Banking initiatives across Singapore and Southeast Asia. This is a leadership role that focuses on building and maintaining strong relationships with both Korean corporate clients and local/regional companies, driving business growth, and ensuring exceptional service delivery. The ideal candidate will have a proven track record in corporate banking, with expertise in credit risk management, client portfolio oversight, and cross-border market engagement.

Key Responsibilities:

• Oversee and manage relationships with a diverse portfolio of corporate clients, including Korean companies and regional businesses in Singapore and Southeast Asia.
• Lead strategic initiatives to expand the bank’s corporate client base by identifying and pursuing new business opportunities.
• Conduct credit assessment and risk analysis, ensuring compliance with the bank’s policies and regulatory requirements.
• Supervise Customer Due Diligence (CDD) and Know-Your-Customer (KYC) processes for new and existing clients.
• Collaborate with internal teams, including credit, operations, and product specialists, to deliver seamless and comprehensive banking solutions tailored to client needs.
• Develop and maintain strong client relationships by providing high-quality financial and customer services to corporate clients.
• Identify cross-selling opportunities and promote the bank's products and services to maximize revenue.
• Drive product innovation by working closely with clients to develop customized corporate banking solutions, including lending, cash management, trade finance, and treasury services.
• Monitor and manage overall client portfolio performance, proactively addressing potential credit and operational risks.
• Conduct financial research, credit spreading, and prepare detailed credit proposals.
• Maintain up-to-date knowledge of market trends, regulatory changes, and industry developments to ensure business competitiveness and compliance.
• Provide guidance and mentorship to junior relationship managers, fostering a collaborative and high-performing team environment.
• Prepare detailed sales reports, business performance analyses, and client presentations for senior management review.

Qualifications:

• Bachelor’s degree in finance, business, economics, or a related field; advanced degrees are an advantage.
• 10+ years of experience in corporate banking, with a focus on managing relationships with large corporate clients in Singapore and Southeast Asia.
• Proven track record in driving revenue growth, exceeding sales targets, and delivering exceptional client service.
• In-depth understanding of corporate banking products and services, including trade finance, cash management, and treasury solutions.
• Strong leadership and team management skills, with experience mentoring and developing junior professionals.
• Exceptional communication, negotiation, and interpersonal skills, with the ability to engage effectively with senior executives and stakeholders.
• Strong business development and marketing orientation with an ability to identify and capitalize on emerging opportunities in the region.
• Proficiency in the Korean language is an advantage for communication with the Head Office and Korean clients.
• Strong market awareness and business acumen, with the ability to identify and capitalize on emerging opportunities in the region.

If you are a seasoned Corporate Banking professional with a passion for leadership and business development, we invite you to join us and make a significant impact in the region.

PURPOSE

• To support the refreshed Digital Strategy focusing on GenAI, AI and Modern Data Platform, a senior data product manager is strongly needed to lead the development and launch of new data/AI products typically for Data 360 service and Central Leads Management that meet the needs and expectations of the customers and the business.
• Work closely with the engineering, design, marketing, and sales teams to define the product vision, strategy, roadmap, and requirements.
• Manage shared service team (CTC, TIM, VTC) to deliver the data products timely with excellent quality.
• Conduct market research, user feedback, and data analysis to validate and prioritize the product decisions and measure the product performance.
• Drive group wide adoption for leads management tool and data 360 to deliver significant business value.

KEY ACCOUNTAIBILITIES

• Work with key stakeholders and business sponsors to address business initiatives according to priority and work out the product vision, strategy and roadmap.
• Collect business requirements, create and manage the product backlog and prioritize the features based on the business value and customer feedback.
• Manage the end-to-end project cycle, including developing business cases/charters, project plans, timelines, resource mobilization, cost and benefit analysis, risk mitigation, execution monitoring, and progress reporting/communication.
• Manage share service team (CTC, TIM, VTC) to deliver data products such as Data 360 and Central Leads Management system on schedule with high quality.
• Provide advice, counsel or facilitating services in business requirement analysis, solution design, drive adoption and monetisation, managing budget, project management and presentation to local management teams such as local CTO, group distribution function leader, group digital function leader.
• Coordinate and lead the product launch and go-to-market activities with the marketing and sales teams.
• Analyze and report the product performance, user behaviour, and feedback using various tools and metrics.
• Continuously test, iterate, and improve the product based on the user feedback and data insights.

QUALIFICATIONS / EXPERIENCE

• Bachelors or Masters in Computer Science, Engineering, Business, or related field
• 7+ years of experience as a product manager, product owner, or similar role in the financial industry. Insurance domain knowledge will be a plus.
• Strong experience for common data model design and data as service
• Good experience using business intelligence tools and grasp of data visualization best practices.
• Hands on CRM or Lead Management Solution will be an advantage.

KNOWLEDGE & TECHNICAL SKILLS

• Strong knowledge of the product development lifecycle and agile methodologies.
• Good understanding of AI/GenAI technologies and keen to leverage them in changing the way people feel about insurance.
• Excellent communication, presentation, and interpersonal skills.
• Common model design
• Leads management
• Technical acumen and understanding data pipelines, warehousing, ETL processes and data governance.
• Ability to understand business pain points and design solutions to help the business resolve the issues.
• Ability to work effectively with cross-functional teams and manage multiple projects and stakeholders.
• Ability to think strategically and creatively and solve complex problems.
• Ability to conduct market research, user research, and data analysis using various tools and methods.
• Passion for building user-centric and innovative products that create value for the customers and the business.