• Delivering the agreed-upon Gross Margins for the business while maintaining high levels of staff commitment and satisfaction and customer satisfaction and retention in complete accordance with the Group's IMS is the main goal of this position.
• In close collaboration and communication with the Board of Directors and the Senior Management team, other goals include corporate governance, business expansion and enhancement, and tactical management of the Group's operations with the aim of realising the Group Vision.
• Client, guaranteeing ongoing contentment, retention, and expansion.
• Revenue, as stated in the Board of Directors-approved financial estimates.
• People, making sure that the team or teams are highly skilled and motivated to provide results that will help the group realise its vision.
• Procedure, always according to group policy and procedure without exception.
• As shown in the financial estimates above, expenses are within budget.

Qualifications:

• Education: Marine/Maritime background as a sales and marketing executive
• At least seven years of experience working for a reputable maritime services company
• Should possess a background in the maritime business and be known as a visionary in the field.
• Dedicated, focused, and ambitious to innovate within a typical maritime business.
• They ought to be able to view the company as a whole and make equal contributions to the group and the business.
• Good communication skills and the ability to manage and lead others are essential.

Key Responsibilities:

Digital Campaign Management:

• Plan, launch, and refine digital marketing campaigns across platforms, including social media, search engines, email marketing, and display ads.

• Track campaign performance, assess key metrics, and adjust strategies to meet objectives.

• Manage budgets strategically to ensure targeted ROI.

SEO and SEM:

• Perform keyword research and on-page SEO improvements to boost website visibility on search engines.

• Oversee and enhance PPC advertising campaigns, such as Google Ads.

• Allocate budgets efficiently to maximize return on investment.

Digital Presence:

• Develop and maintain a social media content calendar.

• Create and manage a WhatsApp Community and Broadcasting channel.

• Oversee and update the LinkedIn page.

• Distribute budgets to optimize campaign outcomes.

Analytics and Reporting:

• Use analytics tools to monitor and report on digital campaign performance.

• Provide data-driven insights and recommendations for ongoing improvement.

Sales Administration:

• Process and track sales orders to ensure prompt and accurate fulfillment.

• Maintain updated customer records and sales documents.

• Prepare quotes, invoices, and sales reports as needed.

• Coordinate with logistics and finance teams to support seamless sales processes.

• Deliver exceptional customer service through responsive communication by phone, email, or in person.

Qualifications:

• Bachelor’s degree in marketing, business, or a relevant field.

• Expertise in Excel and business intelligence tools.

• Skill in designing social media content aligned with company vision.

• Commitment to long-term growth within the organization.

• Proven experience in digital marketing, including campaign execution and content creation.

• Proficiency with digital marketing tools, including MS Office (PowerPoint, Excel, Word), Canva, video editing (e.g., Camtasia), CRM, scheduling, social media management, and email marketing platforms.

• Strong written and verbal communication skills.

• Creative problem-solving skills, an analytical approach, and ability to make data-driven decisions.

• Familiarity with the latest trends and best practices in digital marketing.

• Strong organizational, time management, attention to detail, and proactive problem-solving skills.

• Ability to handle confidential information and make sound judgments.

• Adaptability to shifting priorities and ability to work independently.

Job Details:

• Experience as a Chief Engineer or Second Engineer on tankers (COC Class 1, 2, or 3), or at least 2 years of experience as a technical superintendent for oil tankers.
• Minimum 1-2 years of shore-based experience.
• High level of integrity and professionalism.
• Strong skills in leadership, teamwork, management, and communication.

Requirements

* Experience in the relevant industry

* Hiring and supporting staff, conducting reviews of their performance

* Managing inventory, including beauty, bath and treatment products, negotiating with vendors and ordering supplies and equipment

* Communication, Interpersonal skills, Self-motivated with a results-driven, Problem-solving skills

* Maintaining a client database

* Perform Massage, Foot Reflexology

* Able to work long hours with prolonged period of standing, weekends/PH

Responsibilities

* Opening and Closing, Close daily sales counter

* Set daily/weekly/monthly objectives and communicate them to employees

* Organize workflow by assigning responsibilities and preparing schedules

* Manage and coach employees

* Assigning tasks and coordinating staff and facility schedules

* Ensuring the workplace meets hygiene standards and complies with all health and safety regulations

Responsibilities:

• Acquire new clients through direct outreach, referrals, and leveraging existing networks.
• Execute outbound campaigns (phone calls, emails, etc.) to generate sales opportunities.
• Identify and explore opportunities in both new and current markets.
• Develop and customize proposals to address each client's unique business needs.
• Engage with clients to understand their requirements and provide tailored solutions.
• Formulate strategies for lead follow-up and identify new prospects to pursue.
• Prepare and present pitches and presentations to prospective clients.
• Collect client feedback and make necessary adjustments to improve offerings.
• Build and maintain strong, long-term relationships with current and potential clients.
• Ensure high-quality customer service through regular follow-ups with clients.
• Convert proposals into finalized, signable contracts.
• Offer reliable feedback and provide after-sales support.
• Sustain meaningful relationships with existing clients to ensure continued business and client retention.

As a HR Intern with a focus on recruitment, you can learn and contribute to talent acquisition by building talent pools, maintaining community engagement, and leveraging digital tools and social networks. You will work closely with the HR and recruitment teams to help source talent and assist with various aspects of community management, gaining invaluable experience in the recruitment process.

Key Responsibilities:

• Assist in conducting market research to identify where potential candidates can be found, effective engagement strategies, and stay updated on industry trends.
• Build and maintain talent pools for a specific role ensuring a robust candidate pipeline across multiple platforms and networks.
• Assist in engaging potential candidates through various channels (emails, social media, phone calls) to assess their interest in available positions and inform them about job opportunities.
• Collaborate with the HR team to develop engaging social and digital content that enhances employer branding and attracts candidates.
• Generate referrals by encouraging candidates and employees to recommend qualified individuals through Xcellink employee referral program.
• Assist in Analysing and reporting on sourcing strategies, focusing on conversion rates and identifying opportunities for process improvement.
• Assist in Engaging with candidates and influencers on social networks (e.g., LinkedIn, Facebook) to build relationships and maintain active community interactions.
• Utilize a combination of enterprise software and social networking tools to streamline recruitment processes and effectively track candidates.
• Coordinate with internal teams to address specific community inquiries and ensure alignment across departments.
• Assist in collecting feedback from social communities to support continuous improvement in the recruitment process and organizational workflows.

Requirements

• Currently pursuing or holding a diploma / bachelor’s degree /Post Graduate Diploma in Human Resource or a related field.
• Must be able to commit at least 3 to 6 months for internship/temporary role
• Strong verbal and written English skills, with the ability to create engaging content for social platforms.
• Proficiency in using social media and digital insights to create relevant and engaging recruitment content.
• A self-driven, commercially minded individual with a focus on achieving recruitment goals.
• Enthusiastic, proactive, and detail-oriented with a “can do” attitude, capable of working with people at all levels.
• A solid understanding/ or exposure of IT and how they can support recruitment efforts.

• By combining current services (such as fuel, lubricant, cylinder lube, water testing, bunker surveys, and digital services like log books) with new package offers, as well as by attracting new clients with existing services and package offers, it is possible to increase sales revenue indirectly.
• In charge of organizing, carrying out, standardizing, and overseeing marketing strategy in collaboration with the CEO, Board of Directors, and Business Directors, including broadening the scope to enhance revenue, market share, and geographic areas.
• In charge of accomplishing the group's growth objectives
• In charge of creating and carrying out the yearly marketing plan and accomplishing predetermined, measurable goals
• Budget analysis, annual budget planning, expense scheduling, and making sure the sales force hits targets and quotas.
• Sales revenue can be indirectly increased by integrating existing services (such gasoline, lubricant, cylinder lube, water testing, bunker surveys, and digital services like log books) with new package offers. It can also be achieved by drawing in new customers with current services and package offers.
• Together with the CEO, Board of Directors, and Business Directors, they are responsible for planning, implementing, standardizing, and monitoring marketing strategy. This includes expanding its reach to increase revenue, market share, and geographic areas.
• Responsible for achieving the group's growth goals
• Responsible for developing and implementing the annual marketing plan and achieving pre-established, quantifiable objectives
• Budget analysis, yearly budget planning, scheduling of expenses, and ensuring that the sales force meets quotas and targets.

Qualifications:

• Sales background in the maritime industry with at least five to ten years of experience
• A bachelor's degree in business administration, marketing, or a similar discipline.
• Management experience could be beneficial.
• Excellent closing abilities
• The capacity to showcase several product lines
• Knowledge and comprehension of marketing and sales.
• Excellent organizational, creative, and analytical thinking abilities.
• Outstanding interpersonal, communication, and customer service abilities.
• The capacity to comprehend and adhere to the policies and processes of the organization.
• The capacity to function well under duress

My client who is one of the major leaders in the aviation space is looking out for a Service Engineer. Below are the details!

Job description:

• Carrying out corrective maintenance for hardware and software
• Carry out testing on softwares and the system when there is a new bug fixes
• Manage the provisioning of spare equipment including supporting and testing.
• Carrying out preventive maintenance on hardware to retain the system according to the specified operational condition
• Liaise with Vendor on hardware or softare maintenance and updates
• Support 2 shifts (9am-9pm and 9pm-9am)
• Work on this arrangement - 2 days work 3 days off continued by 3 days work and 2 days off

The ideal candidate should have:

• Diploma or Bachelors in IT/Engineering discipline
• CCNA certified (desirable)
• 1-2 years of experience in supporting network/security/server
• Excellent communication skills

If you feel you have what it takes or know someone who does, do feel free to apply to this job ad or simply send the updated resume to [email protected] for a private and confidential discussion. Looking forward to speaking with you!

EA Reg Number: R22107188

EA License Number: 07C3924

Company Registration No: 200609504D

• Make important policy, planning, and strategy decisions.
• Develop, implement, and review operational policies and procedures.
• Assist HR with recruiting when necessary.
• Help promote a company culture that encourages top performance and high morale.
• Oversee budgeting, reporting, planning, and auditing.
• Work with senior stakeholders.
• Work with the board of directors to plan for short and long-term goals.
• Identify and address problems and opportunities for the company.
• Build alliances and partnerships with other organizations.
• Support worker communication with the management team.

• Set up the kitchen with cooking utensils and equipment, like knives, pans and kitchen scales
• Study each recipe and gather all the necessary ingredients
• Cook food in a timely manner
• Delegate tasks to kitchen staff
• Inform wait staff about daily specials
• Ensure appealing plate presentation
• Supervise Cooks and assist as needed
• Slightly modify recipes to meet customers’ needs and requests (e.g. reduce salt, remove dairy)
• Monitor food stock and place orders
• Check freshness of food and discard out-of-date items
• Experiment with recipes and suggest new ingredients
• Ensure compliance with all health and safety regulations within the kitchen area

• Basic up to $4,200, depending on experience
• No experience also welcomed to apply, with minimum qualifications required
• Annual Increment + Performance Bonus
• Disciplines in either M&E or Building Services

Responsibilities:

• Lead project phases, ensuring adherence to resource, quality, and risk standards, while managing project profitability.
• Coordinate administrative aspects of projects, including reporting, claims, and invoice processing, up to final handover documentation.
• Identify and address project issues, proposing quality, risk, and administrative process improvements.
• Foster effective communication and negotiation, liaising between internal and external stakeholders to ensure project cohesion.
• Manage subcontractor integration, ensuring compliance with technical requirements.
• Interpret project drawings, identify discrepancies across trades, and develop resolutions.
• Oversee project planning, scheduling, and execution of alteration and addition (A&A) works to ensure on-time completion.
• Regularly update management and clients on project progress, maintaining transparency and accountability.

Requirements:

• A Diploma or Bachelor's Degree in Mechanical/Electrical Engineering or Civil/Construction/Building Services Engineering, with a strong understanding of electrical installations or relevant field.
• Minimum 5 years of experience in a related field, with at least 3 years in facilities/building maintenance.
• Proven leadership ability, with the skills to manage and motivate a team effectively.
• Excellent organizational and multitasking skills, capable of managing multiple projects concurrently.
• Class 3 driving license is advantageous.
• Demonstrated commitment, positivity, and the drive to work independently and deliver excellence.

Tyson Jay Recruitment Pte Ltd | EA License No.: 16C7954

Tay Shiong Luan | EA Personnel No.: R23115166

Roles & Responsibilities

You will be considered for positions available in the following departments:

• Radiology, Pathology, Intensive Care Medicine, Urology
• Completed specialty training in the relevant specialty in countries such as Australia, Canada, Hong Kong, New Zealand, Singapore, UK or USA.
• Recognised postgraduate Medical Degree such as MRCP, FRCP, FRACP, ABIM or its equivalent, recognised by the Specialist Accreditation Board and the Singapore Medical Council*

*Visit the Singapore Medical Council (SMC) website (http://www.smc.gov.sg) for the list of registrable basic and postgraduate medical qualifications.

Senior / Principal Recruitment Consultant – Technology (Singapore)

Frank Recruitment Group (FRG)

FRG is seeking experienced recruitment professionals with a passion for the fast-paced world of tech to join us in our vibrant office in the heart of Singapore. We are a pure play technology recruitment company and we pride ourselves on being the go-to talent solutions partner within the cloud technology arena (Microsoft, AWS, Salesforce). We are owned by TPG Capital, a multi-billion dollar US private equity firm and currently operating within 20 strategically placed offices in the USA, EMEA, and APAC region.

You will be a vital part of our newly transformed APAC business with an ambition to disrupt the marketplace and grow itself in the region.

Who we’re looking for

• Proven billing success in a 360 recruitment role (bonus if you are in the tech space)
• Passion for high touch sales
• Entrepreneurial DNA to develop specialised core markets
• Solid interpersonal and relationship building skills
• Ability to work independently and collaboratively in a team environment
• Excels in a high-performing environment

What’s on offer?

• Differentiated recruitment blueprint to set you up for success
• Lucrative uncapped commission structure
• Comprehensive and ongoing training in all aspects of the job
• Clear progression pathway tailored to your career goals
• Collaborative and fun environment
• Extensive rewards and incentives

Apply now to become part of an unstoppable journey to be proud of!

Frank Recruitment Group is an equal opportunities employer that values a diverse workforce and the contribution each individual makes. We are committed to promoting equality and diversity and creating an inclusive environment for all.

Talent Sourcer is basically an arising Recruiter role for candidates who are new and passionate about recruitment. This is a stepping role to become a full fletch Talent Recruiter with us.

Closest MRT:

Lavender & Bendemeer

Office Hour Timing with Flexibility of reporting time

Progression to Full Fletch Talent Recruiter role within 3 months with salary increment

Join us if you have what it takes!

Challenges:

Sourcing and screening of candidates, coordinating interviews for candidates to be interviewed by Account Managers.

Perform sourcing activities base on company's current order listing.

Assist Recruiters and Account Managers with Profiling Duties.

What it Takes:

No experience required as training will be provided

Strong interpersonal and communication skills

Independent, takes initiative, and fast learner

Self-motivated, driven, and willingness to learn

Meticulous and detail-oriented

Singaporeans only

Interested candidates please email your latest resume in words format to samuel[AT]talentsatwork.sg

Talents@Work (21C0501)

Telvin (R1113142)

JOB DESCRIPTION

Job Title

Senior Consultant

Occupation

SOFTWARE ENGINEER

About the Client:

Our client is a System Integrator

Responsibilities

• To Develop Monitoring Application.
• To support Application running on OpenShift Environment.
• To Enhancements & bug fixes existing application running in Java, Python and Shell scripts.

Skills/Requirement

• 5 Years minimum professional experience and 2 Years minimum relevant experience.
• Knowledge in Java programming.
• Knowledge on Python scripts.
• Knowledge in Java, ELK stack & Grafana added advantage.
• Knowledge In Angular, Tapestry added advantage
• Knowledge in JBoss, MariaDB, Filebeat & Metricbeat added advantage
• Knowledge in Kubernetes, Docker, Jenkins, DevOps,Other Container platforms.
• Expertise / working/ practical knowledge of containerization platforms – particularly OpenShift (Optional).
• Team player to work with multiple teams and teammates.

Interested candidates, who wish to apply for the above position, please send in your resume to [email protected]

We regret that only shortlisted candidates will be contacted.

PERSOLKELLY Singapore Pte Ltd • EA License No. 01C4394 • EA Registration No. R24125310 (PARAMATASEEMA NAVEEN RAJANNA)

This is in partnership with Employment and Employability Institute Pte Ltd (“e2i”). e2i is the empowering network for workers and employers seeking employment and employability solutions. e2i serves as a bridge between workers and employers, connecting with workers to offer job security through job-matching, career guidance and skills upgrading services, and partnering employers to address their manpower needs through recruitment, training and job redesign solutions. e2i is a tripartite initiative of the National Trades Union Congress set up to support nation-wide manpower and skills upgrading initiatives. By applying for this role, you consent to e2i’s PDPA.

“By sending us your personal data and curriculum vitae (CV), you are deemed to consent to PERSOLKELLY Singapore Pte Ltd and its local and overseas subsidiaries and affiliates collecting, using and disclosing your personal data to prospective employers/companies based in any country for purposes of evaluating suitability for employment, conducting reference checks, administering employment related services and such other purposes stated in our privacy policy. Our full privacy policy is available at www.persolkelly.com.sg. If you wish to withdraw your consent, please drop us an emailto let us know. Please feel free to contact us if you have any queries

Responsibilities

• Perform Blast Effect Analysis on buildings, facilities, structures, facades
• Collaborate with Security Consultants in performing Threat, Vulnerability and Risk Assessments for projects
• Work closely with building and security consultants to understand the design intent and risk-based security strategies of each project, and develop protective designs to achieve the desired protection outcome
• Prepare detailed reports for Blast Effect Analysis, Structural Resilience Studies, and any other reports as required by the projects
• Prepare and deliver detailed specifications and drawings of protective measures for tender/ construction
• Collaborate and coordinate with in-house and external specialist consultants in delivering the best project results

Qualifications

• A degree in civil/structural engineering or equivalent
• Minimum 3 years of relevant experience, self-driven engineers without prior blast analysis experience are welcomed to apply.
• Strong fundamentals in structural engineering and mechanics of material

ASSOCIATE CONSULTANT

JOB DESCRIPTION

You will lead the team in your specialty area and work closely with fellow healthcare professionals in providing holistic care to patients. In addition to patient care management, you are expected to provide guidance, teaching and training to all level of staff. You may also be involved in intra- and interdepartmental projects and committees and any other tasks as assigned by the Head of Department.

We have vacancies in the following disciplines:

Division of Medicine & Community Services

Cardiology

Internal Medicine

Infectious Disease

Rehabilitative Medicine

Rheumatology

Endocrinology

Gastroenterology

Geriatric Medicine

Palliative Medicine

Division of Ambulatory & Surgical Services

Anesthesia

Diagnostic Radiology

Ear, Nose, Throat (ENT)

Emergency Medicine

General Surgery

Intensive Care Medicine

Orthopaedic Surgery

Ophthalmology

Laboratory Medicine (Microbiology, Pathology, Histopathology)

REQUIREMENTS

• MBBS or equivalent and relevant postgraduate qualification (eg MRCP, MCEM, FRCS);
• Senior Resident who completed the MOHH Residency Programme are welcome to apply as Associate Consultant;
• Those with at least 2 years of specialist working experiences can apply as Consultant;
• Ability to work in a fast-paced environment and strong adaptability to changes;
• Strong command of spoken and written English;
• Registered (or meet registration criteria) as a Specialist with Singapore Medical Council

SENIOR CONSULTANT

JOB DESCRIPTION

You will lead the team in your specialty area and work closely with fellow healthcare professionals in providing holistic care to patients. In addition to patient care management, you are expected to provide guidance, teaching and training to all level of staff. You may also be involved in intra- and interdepartmental projects and committees and any other tasks as assigned by the Head of Department.

We have vacancies in the following disciplines:

Division of Medicine & Community Services

Cardiology

Internal Medicine

Infectious Disease

Rehabilitative Medicine

Rheumatology

Endocrinology

Gastroenterology

Geriatric Medicine

Palliative Medicine

Division of Ambulatory & Surgical Services

Anesthesia

Diagnostic Radiology

Ear, Nose, Throat (ENT)

Emergency Medicine

General Surgery

Intensive Care Medicine

Orthopaedic Surgery

Ophthalmology

Laboratory Medicine (Microbiology, Pathology, Histopathology)

REQUIREMENTS

• MBBS or equivalent and relevant postgraduate qualification (eg MRCP, MCEM, FRCS);
• Those with at least 2 years of specialist working experiences can apply as Consultant;
• Ability to work in a fast-paced environment and strong adaptability to changes;
• Strong command of spoken and written English;
• Registered (or meet registration criteria) as a Specialist with Singapore Medical Council

Job Title: HR Consultant (entry-level, training will be provided)

Job Role Description:

The HR Consultant assists in identifying, analysing and scoping the enterprise capability development needs, preparing consulting quotations, proposals and government grants applications, managing consulting project implementation, and improve internal and external stakeholders’ engagement and relationships. He/She manages resources and logistics for consulting projects, collects data and conducts desktop research, make recommendations for various enterprise capability development solutions to address or meet client’s needs. He/she supports the consultant team in project scheduling, consulting activities and deliverables, and writing of end-of-project reports. He/she also responds to clients’ queries that are related to the consulting project. He/she is responsible for maintaining proper project documentation and records, invoicing and tracking of payments to consultants and receiving of payments by clients.

The HR Consultant enjoys working in a dynamic, fast-moving team environment and interacts proactively with various stakeholders. He/she is a lifelong learner, eager to acquire new knowledge and skills, explore and analyse problems, and is able to communicate information in a clear and concise manner to meet others' needs at the workplace.

Possible activities of this job role may include but not limited to the following:

· Engage in consulting discussions with enterprises

· Analyse workforce capability needs

· Co-ordinate consulting projects and learning programmes

· Provide project management and support to consulting projects and learning programmes delivery

· Collect and prepare data, and conduct human resource analytics and insights

· Support and prepare client’s employee communication

· Advise on human resource practices implementation

· Advise on Skills Framework adoption

· Improve stakeholder engagement and management

· Develop enterprise and human capability development strategies, solutions, frameworks, canvas, templates, tools, diagnostic tools, checklists and metrics

· Coordinate and support preparation of workshop training materials and logistics (WSQ and non-WSQ)

· Research, design, and develop computer software or specialised utility programs.

· Analyse user needs and develop software solutions, applying principles and techniques of computer science, engineering, and mathematical analysis.

· Update software, enhances existing software capabilities, and develops and direct software testing and validation procedures.

Required Experience:

• 5-8 years of overall IT experience is preferred.
• Thorough understanding of React.js and its core principles, including prior experience with React.js workflows (such as Flux or Redux).
• In-depth knowledge of JavaScript, CSS, HTML, and front-end languages.
• Good knowledge on UI development/ tools.
• Excellent communication and teamwork skills, with the ability to work effectively in a fast-paced development environment.

· Research, design, and develop computer software or specialised utility programs.

· Analyse user needs and develop software solutions, applying principles and techniques of computer science, engineering, and mathematical analysis.

· Update software, enhances existing software capabilities, and develops and direct software testing and validation procedures.

Required Experience:

· 4+ years of hands-on development experience in Java applicarions.

· Hands–on experience developing applications using Java/J2EE, with Spring / Spring boot framework and hands on experience in Microservices is preferred.

· A strong hands-on development track records building integration and application utilizing a variety of technologies, development tools and database systems.

· Strong knowledge of RESTful API development and best practices.

· Experience with digital banking applications or fintech solutions is highly preferred.

· Good communication skills both in writing and verbally with ability to present the complex ideas or technical solution to business and/or management team.

We are expanding and looking for self-motivated, winning-minded individuals who are open and keen to learn about Investment, which has been a trendy topic amongst people and we are here to educate individuals.
This is the job opportunity that allows you to have the best of both worlds of not needing to work a desk-bound 9 to 5 job and still able to have professional growth in your career. Join us today!

Job Highlights:

* Exposure to Professional and Personal Growth Development
* 1 to 1 Mentorship by experienced financial consultants
* Develop your knowledge in investment and financial literacy
* Opportunity to gain Psychological Profiling knowledge to engage with clients
* Opportunity to participate in Investment Seminars/Events by fund houses
* Enhance and groom entrepreneurship skills in a fast-paced growing company

Job Scope / Description:

*Advise client on investment portfolio
* Provide regular reviews on clients’ invested funds
* Update clients on the current investment market movement and present investment opportunities

Job Requirements:

* Minimum 21 years old (regulatory requirement)
* At least a full certificate in GCE ‘A-Level, International Baccalaureate Diploma qualification, diploma awarded by a polytechnic in Singapore or equivalent, Degree holders in any field.
* Mid Career Switch with a min. of 2-3 years working experience in any field are welcome
* No experience with a driven and winning mindset are welcome as well
* Highly motivated individual with interests in investment and financial markets