Trust is the first of a new breed of banks in Singapore – digitally native and focused on delivering a delightful customer experience. You will work in a fast-paced and collaborative environment to solve new and interesting challenges each day. Together with our Trust team, you will help shape the future of our bank.

As a Fraud Operations Lead you'd be able to work on and solve many interesting challenges which we are facing, learn new ways of working, and help build delightful high quality products for our customers.

Job Description

As the Fraud Operations Lead, you will lead the Bank's efforts in identifying, monitoring, and mitigating fraud risks across all banking operations. This role requires strategic oversight to enhance fraud detection capabilities, implement effective risk management strategies, and ensure compliance with regulatory requirements. This role will report into the Head of Core Operations for Trust.

The Role Responsibility:

1. Strategy Development:

· Develop and implement comprehensive fraud prevention and detection strategies aligned with the bank's risk appetite

· Stay informed about industry trends, emerging fraud threats, and regulatory changes.

· Conduct regular audits and assessments of fraud control processes to identify gaps and areas for improvement.

2. Leadership and Team Management:

· Lead and manage the fraud operations team, including hiring, training, and performance evaluations.

· Foster a culture of risk awareness and continuous improvement within the team.

3. Fraud Detection and Prevention:

· Oversee the implementation of fraud detection systems and technologies including rule management

· Analyse fraud data to identify patterns and vulnerabilities, developing proactive measures to mitigate risks.

4. Policy Development:

· Establish and maintain fraud prevention policies and procedures in compliance with regulatory requirements and industry best practices.

· Periodically review and update policies based on new threats and changes in the regulatory landscape.

5. Collaboration:

· Collaborate with other departments (e.g., Customer Service, Operational Risk Head, AML/CDD team, Product team) to enhance the overall fraud risk management framework.

· Work with law enforcement and external agencies to address and investigate fraud incidents.

6. Reporting and Analytics:

· Prepare regular reports for senior management on fraud trends, incidents, and the effectiveness of fraud prevention efforts.

· Utilise data analytics to improve decision-making and enhance operational efficiency

7. Customer Awareness:

· Work with Product team to develop programs to improve customer awareness on fraud and scams

Role Specific Technical Competencies:

Skill

Target proficiency level

Data analysis tools and fraud detection tools

Advanced

Knowledge of relevant regulations and compliance requirements (e.g., AML, KYC)

Advanced

Decision-making

Advanced

Our Ideal Candidate:

· 10 to 15 years of experience in fraud prevention, investigation, or risk management within the banking or financial services sector.

· Strong understanding of fraud detection technologies and methodologies.

· Good understanding across banking fraud schemes that are relevant to a Digital Bank, with in-depth knowledge of Payment Fraud

· Excellent analytical, organizational, and leadership skills.

· Strong communication and interpersonal skills, with the ability to collaborate effectively across departments.

· Appetite for continuously improving and streamlining processes and the way we work.

· Self-motivated, delivery focussed and able to work well under tight timelines and pressure.

· Able to thrive in a VUCA (volatile, uncertain, complex and ambiguous) environment typical of fast growth startups

If you apply for a job with Trust or submit any personal information in connection with a possible job opportunity, you agree to our privacy notice for job applicants – available on our website

Come as you are! Trust is an inclusive and open-minded workplace. If you are smart and good at what you do, that’s what we care about. So come as you are.

Key Responsibilities:

• Develop and execute innovative community engagement strategies across multiple social media platforms（e.g. telegram）to foster brand awareness and drive user acquisition.
• Plan, organize, and promote community-driven events, including webinars and AMAs, to strengthen community participation and engagement.
• Serve as the brand’s ambassador and thought leader within the local crypto and Web3 communities, enhancing visibility and credibility.
• Collaborate closely with product teams to relay valuable community insights and feedback for continuous improvement.
• Cultivate a supportive and positive community atmosphere by addressing concerns, resolving issues, and driving user growth.

Requirements:

• Bachelor’s degree in Marketing, Business, or a related field.
• Minimum of 3 years of experience in community management, social media, or customer engagement within the crypto and Web3 sectors.
• Proven success in building and nurturing vibrant online communities, fostering inclusive and meaningful interactions.
• Strong strategic and creative thinking skills, with the ability to promote engagement and brand awareness while ensuring compliance with industry regulations.
• Exceptional communication skills in both English and Chinese, with the ability to articulate complex concepts in a clear and concise manner.

Job Description

• Manage the site technique team (BIM, C&S, M&E, Archi) to deliver the outcome timely and with good quality. Maintain design program by managing interfaces and monitoring progress, coordinating activities, resolving, or coordinating conflicts and issues in design packages.
• Co-ordinate design related matters with Consultants and Clients. Resolve technical problems for project team.
• Work out the shop drawing (mainly RC and Archi drawing) submit schedule and manage the submittals in orderly manner. Technical proposal composing.
• Arrange and chair regular meeting of technique team for progress monitoring.
• Ensure optimize design solutions in compliant with construction standards, regulatory framework, contractual specifications and buildability requirements.
• Ensure the construction team clearly understand the content and requirements of the latest drawings and requirements

Requirements

• Bachelor degree in Civil, Structural or in a related field recognised by the PEB Singapore.
• Minimum 10 years of working experience and 5 years in large scale Civil & Infrastructure/Building projects.
• Good knowledge and experience of RC structure works.
• Familiar with Archi works
• Exceptional technical and problem-solving skills and reasoning ability
• Ability to communicate effectively and clearly
• Must be self-motivated and able to work independently

Job Description:

• Manage the site technique team (BIM, C&S, M&E, Archi) to deliver the outcome timely and with good quality. Maintain design program by managing interfaces and monitoring progress, coordinating activities, resolving, or coordinating conflicts and issues in design packages.
• Co-ordinate design related matters with Consultants and Clients. Resolve technical problems for project team.
• Work out the shop drawing (mainly RC and Archi drawing) submit schedule and manage the submittals in orderly manner. Technical proposal composing.
• Arrange and chair regular meeting of technique team for progress monitoring.
• Ensure optimize design solutions in compliant with construction standards, regulatory framework, contractual specifications and buildability requirements.
• Ensure the construction team clearly understand the content and requirements of the latest drawings and requirements.

Job Requirements:

• Bachelor degree in Civil, Structural or in a related field accredited by Singapore's Professional Engineer Board.
• Minimum 10 years of working experience and 5 years in large scale Civil & Infrastructure/Building projects.
• Good knowledge and experience of RC structure works.
• Familiar with Archi, M&E works.
• Exceptional technical and problem-solving skills and reasoning ability
• Ability to communicate effectively and clearly.
• Must be self-motivated and able to work independently.

BEPS Pillar 2 Compliance and Reporting

Assist and support VP Tax Singapore (OTOC) in rolling out and implementing the framework on tax compliance with BEPS Pillar 2 requirements in Singapore

• Assist VP Tax Singapore in liaising with DF/FISC for Company’s guidance and requirements.

• Assist in evaluating the effectiveness of BEPS compliance status and tools used in relevant processes.

• Coordinate with the branches and finance teams in Singapore in response to Pillar 2 compliance requirements, including but not limited to monitoring country ETR, organizing computation of QDMTT and filing domestic top up tax returns.

• Provide timely reporting of progress and key matters to OTOC management

• Monitor potential risks and manage tax queries and audit defense related to Pillar 2

Tax Support to Singapore OTOC Matters

Provide expert tax advice and support to OTOC matters in Singapore to improve tax compliance status, including but not limited to:

• Monitor Singapore tax legislative development and analyze potential impact to Company’s operations in Singapore

• Provide tax advice to Pillar 2 related matters and Singapore tax advice to others ad-hoc OTOC matters

• Work collaboratively with key stakeholders and relevant functional teams to assist Singapore affiliates to develop and implement tax efficient strategies, including assisting affiliates in evaluating and applying for tax incentives

• Provide advice and assistance to Singapore affiliates on transfer pricing matters to enhance TP compliance in Singapore

• Reporting to VP Tax Singapore and OTOC committee of any contentious tax issues and suggest practical solutions

• Provide tax assistance to TESS management and functional teams, including but not limited to review of tax implications on TESS activities and agreements.

• Manage external advisors for professional engagements by OTOC and/or TESS

• Professional liaisions with tax authorities/relevant government units

Continuous Improvement of Singapore OTOC Tax

• Assist in developing strategy to optimize Singapore OTOC tax administration

• Continuously review work processes to ensure efficient workflow to maximize efficiency and quality of information flow

• Organize tax trainings for different business groups of Singapore entities to improve tax awareness

• Lead or implement new projects as delegated by OTOC management and VP Tax Singapore (OTOC) from time to time

Experience & Qualifications Required:

• Degree in tax or accounting with professional qualification (e.g. accredited tax professionals)

• At least 10 years of relevant working experience in both Big 4 firm and large MNCs, preferably not less than 8 years of experience specialized in corporate taxes.

• Strong tax technical knowledge of Singapore tax legislations and international tax principles and mechanism

• Up-to-date knowledge and experience on BEPS 2.0

• Experience of engagement with IRAS and relevant government authorities/agencies

• Experience of managing tax compliance, tax planning and tax advisory

• Hands on experiences of accounting systems is a strong plus

• Experience of working in a shared service function is a strong plus

• Self-starter with a growth mindset, strong multi-tasking, and independent

• Teamwork mentality, positive mindset and problem-solving attitude, with high standard of integrity and work ethics

• Good communication skills

Core Responsibilities

• Manage the end-to-end bid process.
• Manage bid teams and inputs from key stakeholders, typically engaging with sales, marketing, product teams, finance, commercial, legal and project management / delivery.
• Work with the Sales lead to develop a clear win strategy for each bid and ensure win themes are clear and compelling.
• Understand and resolve complex technical, strategic, and business issues.
• Prepare and review the commercial aspects of the bid, ensuring all products / services are included in the final price to the customer.
• Risk tracking and management throughout the bid process.
• Contributing to the written proposal - both in terms of content and presentation (such as providing guidance around the executive summary).
• Manage the bid budget and monitor and report on overall performance against KPIs.
• Ensure timescales are achieved at each step of the bid process, including all internal governance, while taking the initiative in setting realistic deadlines.
• Ensure on-time submission of compliant and commercially sound bids.
• Co-ordinate and plan all client presentations required as part of the bid submission.
• Drive continuous improvement, through post-bid reviews, both internally and with customers.

Requirements

• Possess experience in IT Services Industry with Bid Management experience.
• Minimum 5 years of experience will be preferred.
• Possess strong communication and stakeholder management skills.
• Able to work in a fast paced and dynamic environment.
• A proven track record of success in delivering winning bids.
• A Self-driven, resourceful and committed individual
• Able to work independently and within teams.

Job Description:

• Prepare and analyze cost comparison
• Obtaining quotations, liaising and negotiate with sub-contractors and suppliers
• Responsible for measuring quantities and taking off
• Prepare Variation Orders, claims, final accounts, settlement and sub-contractor payments
• All other contracts management related job

Job Requirements:

• Degree / Diploma in Building or its equivalent
• 10 years and above experience as deputy contracts/contracts manager in main-con companies
• Proven ability in contract negotiation, contract administration & variation orders
• Able to work independently, be meticulous, analytical with excellent problem-solving skills, proactive, a good team player & able to meet tight deadlines

Job Description: General Manager for LX CONSTRUCTION PTE LTD

Position: General Manager
Industry: Construction
Location: Client Sites
Reports To: CEO/Managing Director

Job Summary:

The General Manager (GM) for a construction company oversees all aspects of operations, management, and development of construction projects. The GM ensures the company’s projects are completed on time, within budget, and to the highest quality standards. This role requires strategic leadership, exceptional organizational skills, and the ability to work effectively with clients, contractors, and staff. The GM will also drive business growth, manage financials, and maintain relationships with key stakeholders.

Key Responsibilities:

1. Leadership & Management:Lead, manage, and motivate the project management team, including project managers, engineers, supervisors, and support staff.
   Provide strategic direction for the company’s growth and ensure projects align with the company’s mission and objectives.
   Manage day-to-day operations and coordinate between different departments such as procurement, design, construction, and administration.
   
2. Project Oversight & Execution:Oversee the execution of construction projects, ensuring they are completed on time, within budget, and in accordance with quality standards.
   Review project plans, designs, schedules, and budgets to ensure alignment with client needs and company capabilities.
   Monitor progress and resolve any issues or delays that may arise during the project lifecycle.
   
3. Financial Management:Develop and manage project budgets, ensuring effective cost control and profitability.
   Oversee financial performance, including cost estimation, budgeting, and tracking expenses.
   Prepare financial reports for senior management and stakeholders, including forecasts and variance analysis.
   
4. Client & Stakeholder Relations:Build and maintain strong relationships with clients, subcontractors, suppliers, and regulatory agencies.
   Represent the company in meetings with clients, consultants, and contractors to discuss project specifications, timelines, and budgets.
   Ensure customer satisfaction through regular communication, updates, and handling any complaints or concerns.
   
5. Compliance & Safety:Ensure all construction activities comply with safety regulations, building codes, and environmental laws.
   Develop and enforce safety protocols to ensure a safe working environment for all employees and contractors.
   Ensure the company adheres to quality standards and regulatory requirements for all projects.
   
6. Business Development & Growth:Identify new business opportunities and lead efforts to expand the company’s project portfolio.
   Work with the marketing team to identify and bid on new projects.
   Oversee the negotiation of contracts and agreements with clients and subcontractors.
   
7. Team Development & HR:Lead recruitment, training, and development programs to ensure the company has skilled personnel to execute projects successfully.
   Foster a positive work environment that promotes collaboration, accountability, and continuous improvement.
   

Key Requirements:

1. Education & Experience:Bachelor’s degree in Civil Engineering, Construction Management, Architecture, or related field (Master’s degree preferred).
   Minimum 10 years of experience in the construction industry, with at least 5 years in a senior leadership role such as Project Manager, Operations Manager, or similar.
   Strong background in managing large-scale construction projects, including budgeting, procurement, scheduling, and resource management.
   
2. Skills & Competencies:Exceptional leadership and people management skills.
   Strong knowledge of construction processes, building codes, safety regulations, and quality assurance procedures.
   Proficiency in project management software (e.g., MS Project, Procore, Primavera).
   Excellent communication, negotiation, and interpersonal skills.
   Strong problem-solving and decision-making abilities.
   Financial acumen with the ability to manage and control project budgets.
   Ability to work under pressure and handle multiple projects simultaneously.
   
3. Certifications:Project Management Professional (PMP) or other relevant construction certifications (e.g., LEED, Six Sigma, etc.) preferred.
   Health and Safety Certifications (OSHA, etc.) would be advantageous.
   
4. Personal Attributes:Strong business acumen and a forward-thinking approach.
   Ability to build and maintain strong relationships with clients, stakeholders, and team members.
   High level of integrity, professionalism, and accountability.
   Strong negotiation skills and the ability to resolve conflicts effectively.
   

Working Conditions:

• Full-time position, with occasional travel to project sites.
• Ability to work long hours, including evenings and weekends, depending on project deadlines and requirements.
• Office-based, but frequent on-site presence is required.

Job Responsibilities

• As a Vessel Manager, you will assume full responsibility for safe operation of a Fleet of vessels assigned to you.
• Besides day to day close monitoring of vessels, you will be required to supervise dry-dockings and repairs, carry out vessel inspections, conduct technical investigations, ensure certification and documentation of vessels under your charge are up to date and meet international safety standards.
• You will also judiciously manage budgets allocated to vessels and produce regular reports.

Job Requirements:

• Minimum 10 years sailing experience.
• Minimum 1 years sailing experience as Chief Engineer.
• You should be professionally sound, highly motivated & a good team player.
• Good leadership qualities & strong commitment to safety/compliance procedures are essentially needed in our organization.

• Location: Queentowns/Redhill
• Salary: $2500 - $3200
• Working Hours: 8am - 5.30pm

Job Duties:

• Manage logistics, including scheduling, room reservations (if applicable), and coordinating security arrangements.
• Provide timely updates to participants regarding class schedules, venues, and any changes to course dates.
• Assist in the preparation and distribution of essential materials, such as course materials, reports, attendance lists, and post-course survey links.
• Oversee the administration and compilation of end-of-course feedback.
• Serve as the main point of contact for trainers, vendors, and participants to ensure the smooth execution of courses.
• Keep the relevant authorities informed of upcoming courses.
• Ensure prompt invoicing and payment to trainers and vendors.
• Maintain up-to-date attendance records on the authority's platform.
• Additional responsibilities include, but are not limited to, proper e-filing of documents for audit purposes and managing ad-hoc projects.

Requirements:

• Singaporean only
• Diploma and above
• Open to entry-level candidates, adaptable and flexible.
• Capable of providing insightful analysis based on post-course survey feedback.
• Strong written, verbal, and interpersonal communication skills.
• Detail-oriented with a keen eye for accuracy.
• Able to work independently while also being a collaborative team player.

HOW TO APPLY:

Interested applicants, please submit your updated resume in PDF/MS Word format to [email protected]

Please state your availability, current & expected salaries for processing purpose.

All applications will be treated in the strictest confidence.

We regret that only shortlisted candidates will be notified.

Tay Bi Hui Avery

Reg no: R23112677

EPS Consultants

95C5630

Roles & Responsibilities

Responsible for overseeing and coordinating administrative tasks within an organization to ensure smooth operations and efficiency.

• Supervise and coordinate office operations, systems, and procedures
• Oversee financial operations such as invoicing, managing petty cash, and handling office-related expenses
• Maintain records of financial transactions and provide reports when necessary
• Ensure compliance with legal, regulatory, and organizational documentation requirements
• Handle sensitive and confidential information with discretion
• Assist with HR functions such as recruitment, onboarding, and training
• Support with payroll administration and employee benefits coordination
• Liaise with suppliers, service providers, and vendors to ensure services are delivered effectively and on time

Qualification

• Basic knowledge of Microsoft Office (Word, Excel, PowerPoint).
• Strong attention to detail and accuracy.
• Good organizational and time management skills.
• Ability to work independently and manage tasks efficiently.
• Diploma / Bachelor's degree in Business Administration, or a related field is required.

We are looking for a Restaurant Manager to lead all aspects of our business. You will deliver a high-quality menu and motivate our staff to provide excellent customer service. Restaurant Manager responsibilities include maintaining the restaurant’s revenue, profitability and quality goals. You will ensure efficient restaurant operation, as well as maintain high production, productivity, quality, and customer-service standards. To be successful in this role, you’ll need management skills and experience in both front and back of the house. We want you to know how to oversee the dining room, check-in with customers and balance seating capacity. Back of the house management experience is also essential, as you’ll hire qualified Cooks and Wait Staff, set work schedules, oversee food prep and make sure we comply with health and safety restaurant regulations. We’ll expect you to lead by example and uplift our staff during busy moments in our fast-paced environment. Ultimately, you will ensure our restaurant runs smoothly and customers have pleasant dining experiences.

Responsibilities

• Coordinate daily Front of the House and Back of the House restaurant operations
• Deliver superior service and maximize customer satisfaction
• Respond efficiently and accurately to customer complaints
• Regularly review product quality and research new vendors
• Organize and supervise shifts
• Appraise staff performance and provide feedback to improve productivity
• Estimate future needs for goods, kitchen utensils and cleaning products
• Ensure compliance with sanitation and safety regulations
• Manage restaurant’s good image and suggest ways to improve it
• Control operational costs and identify measures to cut waste
• Create detailed reports on weekly, monthly and annual revenues and expenses
• Promote the brand in the local community through word-of-mouth and restaurant events
• Recommend ways to reach a broader audience (e.g. discounts and social media ads)
• Train new and current employees on proper customer service practices
• Implement policies and protocols that will maintain future restaurant operations

Description

Flowdesk is a technology and crypto financial services firm founded in 2020, operating globally and serving a wide range of clients across the globe. Flowdesk ambition is to become one of the major technology providers in the space while operating in a fully compliant and efficient manner.

To accomplish its vision of building the next iteration of finance, Flowdesk is scaling its operations and activities worldwide while offering a challenging and enjoyable working environment.

(Flowdesk is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, sex, gender, sexual orientation, age, colour, religion, national origin, protected veteran status, or on the basis of disability.)

Requirements

As the Trading Operations Analyst APAC, you will be responsible for overseeing critical aspects of our trading operations in the APAC region during weekends (with an adapted schedule from Thursday to Monday for example). You will play a key role in shaping trading strategies, ensuring governance and compliance, and managing the daily operational activities of the trading team. Your ability to manage risk, coordinate interdepartmental activities, and foster strong client relationships will be essential to the success of our trading operations in Singapore.

Responsibilities

Strategy & Governance:

• Manage trading routes for efficiency and profitability.
• Establish and maintain governance structures.
• Enforce transaction authorization policies and document-optimized trading processes.
• Oversee tools and external service providers.

Security & Risk Management:

• Implement transaction monitoring for trading events and funding activities.
• Safeguard vault and whitelisted addresses.
  

Interdepartmental Coordination:

• Facilitate communication between departments.
• Provide operational tools for efficiency.
• Streamline client deployments and trading launches.

Database & System Management:

• Maintain databases and ensure system interoperability.
• Manage security tools and configurations.

Reporting & Analytics:

• Generate PnL reports and manage fund deployment.

Critical Task Handling:

• Open exchange accounts.
• Manage new fees and aggregation feeds.

Background and skills:

• Bachelor's degree in finance, economics, or a related field (MBA or relevant certifications a plus).
• At least 2 years of experience in cryptocurrency trading operations or financial markets.
• Strong knowledge of cryptocurrency exchanges, trading platforms, and blockchain technology.
• Excellent understanding of risk management and security protocols in the cryptocurrency industry.
• Exceptional communication and interpersonal skills.
• Strong analytical and problem-solving abilities.
• Ability to work in a fast-paced, dynamic environment and make informed decisions under pressure.
• Regulatory compliance knowledge and experience is highly desirable.
  

Benefits

• International environment (English is the main language)
• An allowance of 400 SGD / per month / per person in the household)
• Top of the range equipment Macbook, keyboard, laptop stand, 4K monitor & headphones
• Team events and offsites
• Coming soon, gym memberships, international mobility & lot of other cool benefits!

Recruitment Process
Are you interested in this job but feel you haven't ticked all the boxes? Don't hesitate to apply and tell us in the cover letter section why we should meet!

Here's what you can expect if you apply:

1. HR call (30')
2. Technical Interview (45') with the Lead Trading Ops APAC
3. "Head of" Meeting (45') with the Head of Trading Ops
4. Culture Interview with the HR (30') and Founder Interview with the COO (30')

On the agenda, discussions rather than trick questions! These moments of exchange will allow you to understand how Flowdesk works and its values. But they are also (and above all) an opportunity for you to present your career path and your expectations for your next job!

The Company

Our client, a leading global consulting firm partnering with a large private and retail banking institution, is seeking a KYC Operations Specialist for a 12-month project. The ideal candidate will have a general understanding of KYC Operations. In this role, you will be responsible for ensuring that admin tasks around customer files and customer accounts are being diligently completed.

The Role

· Monitor and track the closure of customer accounts, ensuring timely execution.

· Perform reviews around specific account types under the instruction of the bank.

· Check completeness of customer data and collect and input missing data where applicable.

Your Profile

· Bachelor’s degree in accounting, finance or similar with up to 3 years of experience in KYC operational roles. We except application without prior experience if the education criteria is met.

· Excellent attention to detail.

· Proficient in completing tasks accurately and within deadlines.

· Able to handle high workloads under pressure while maintaining quality.

· Flexible and willing to assist with additional duties as needed.

Apply Today

Please send your resume, in WORD format only and quote reference number Ref No GO13124977, by clicking the apply button. Please note that only short-listed candidates will be contacted.

Robert Half International Pte Ltd. Co. Registration no.: 200612189E | EA Licence No.: 07C5595 | Gabriela De Brito Lopes Prestes Oxby EA Registration no.: 1989404

• Exceed sales targets by building a client base, analyzing data, managing promotions, staying updated on trends, and building relationships with local and VIP clients
• Resolve issues, provide service, maintain merchandising, and ensure store upkeep and repairs
• Manage store operations efficiently, minimizing costs for staff, shipping, and outsourced work
• Lead and motivate staff, resolve performance issues with HR, and oversee recruitment, training, and appraisals.
• Manage rosters and absences, ensuring adequate coverage without depending on agency staff.

Requirements:

• GCE 'O' Level and above
• At least 5 years of sales leadership experience in the luxury industry.

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: R24125585

A. VESSEL CHARTERING

· Manage and oversee all regional vessel fixtures for trade support.

· Ensure vessels fixtures are concluded with the most competitive market levels.

· Explore freight optimization options with all in house and third-party trades.

· Ensure all vessel fixtures are backed with the relevant CPA clauses protecting charterers.

· Ensure traders are fully kept abreast of all market fixtures and going fixture rates to help plan intended trades.

· Build and maintain close relationship and ties with ship brokers, technical owners, commercial owners, disponent owners and head owners.

B. CONTRACT MANAGEMENT

· Oversee Preparation of Contracts and contract counters with regards to agreed trade recaps and trade incoterms.

· Ensuring full alignment of Contract clauses as per agreed deal sheet and operative GTCs in company’s favour to minimize risk and costs (Demurrage, Laytime, Laycan, Legal etc).

C. TRADE FINANCE SUPPORT

· Work closely with Trade Finance team to fully understand the requirements of ops related documents to be produced under corresponding Import/Export Letter of Credit (L/C) formats for confirmation with counterparties for timely issuance of workable L/Cs prior to cargo delivery.

D. TRADE OPERATIONS EXECUTION

· Overseeing the handling of cargo operations efficiently from load to discharge ports.

· Managing and ensuring contractual quantity, quality and delivery date range are strictly adhered to.

· Liaise with counterparties (Trading/Shipbrokers/Owners/Terminal/Agents/Surveyors) to manage vessel nominations/acceptances, voyage/discharge orders, stowage planning, loading/ discharging berth schedules and operations, surveyor appointments, documentary and discharging instructions including discharging Letter of Indemnity (LOI), Heating requests etc)

· Managing In-Tank Transfer operations, Inter-Tank Transfer purchase and sale with counterparties and terminals.

· Working closely with Trader, surveyors and terminals in planning and managing inter tank transfer nominations from counterparties.

· Good knowledge and experience in handling cargo loss control issues, on ship and in tank.

· Ensuring all ops related invoices such as freight, inspection costs, agency and port costs etc are verified and processed for payments in a timely manner.

· Managing and giving a comprehensive weekly and monthly in-tank quantities and movement report.

· Providing operational support to traders in ensuring all contractual obligations are complied with.

E. DEMURRAGE AND POST FIXTURE CLAIMS MANAGEMENT

· Oversee the handling of all demurrage and ancillary ops related claims and recoveries, verify demurrage calculations, negotiating claims with Vessel Owners and trade counterparties to finalize claim amount for settlement.

· Close monitoring of incoming and outgoing payments for claims. Follow up and escalate where necessary

· Maintain a comprehensive historical and on-going claims record/register for reporting to HOD and management on a monthly basis

F. POST SHIPMENT CONSOLIDATION

· Post Shipment Consolidation: Manage/Update Shipment Excel Report (Load Details, Load and discharge window, incoterm, inspectors, load and discharge ports, load and discharge figures, Price and Costs).

· Managing and giving daily operations report to Line Manager and management.

G. RELATIONSHIP MANAGEMENT AND SOFT SKILLS

· Build and maintain effective relationship, communication and good rapport with colleagues, internal stakeholders, counterparties and external parties for efficient flow of all operations in achieving trade targets

· Good knowledge of Chinese market, counterparties, in-land operational trade flows, local stake holder management which includes agents, inspectors, port authorities, terminals, refineries etc

· Good command and usage of English language and basic Mandarin.

· Must possess a good team playing, listening, negotiation, time management, leadership and problem solving skills.

Our client is a leading provider of maritime energy solutions.

• Oversee deliveries between vessels and vendors, ensuring efficient and timely coordination.
• Provide regular updates to stakeholders, monitor docking schedules, and manage the issuance and confirmation of NOR.
• Track vessel downtime, coordinate meetings, and ensure effective communication between all relevant parties.
• Maintain accurate records and documentation to ensure compliance with company policies and procedures.

Requirements:

• Diploma and above
• At least 2 years of working experience.
• Strong coordination skills to work effectively with stakeholders and prioritize tasks.

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: R21100996

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

Interested applicants are invited to apply directly at the NUS Career Portal

Your application will be processed only if you apply via NUS Career Portal

We regret that only shortlisted candidates will be notified.

About Us

Founded in the same year that Singapore gained independence, NUS Business School stands today among the world’s leading business schools. It is distinctive for offering the best of global business knowledge with deep Asian insights, preparing students to lead Asian businesses to international success and to help global businesses succeed in Asia.

For more than 50 years, NUS Business School has offered a rigorous, relevant and rewarding business education to outstanding students from across the world. That would not have been possible without a group of dedicated professionals who are passionate about building a positive environment to grow and groom future business leaders. And we are looking to add to our BIZ family!

To learn more about the NUS Business School, please visit https://bschool.nus.edu.sg/

Job Description

The Development Manager will play a key role in supporting the NUS Business School’s strategic fundraising efforts. This position will involve reaching out and managing relationships with donors and prospects, particularly corporate partners and alumni. It will also involve coordinating fundraising activities and identifying new opportunities for engagement and support. The ideal candidate will be a dynamic and strategic thinker with a passion for advancing educational excellence.

1. Fundraising

• Develop and implement comprehensive fundraising initiatives to support the School’s priorities
• Manage and coordinate corporate and other giving campaigns
• Collaborate with team to identify and pursue new gift and funding opportunities
• Facilitate all phases of the gift cycles, including initiating contact, face-to-face visits, cultivating relationships, moving potential donors to solicitation and closure, and stewarding donors
• Create and present compelling solicitations and proposals to potential donors

2. Donor Relations and Stewardship

• Build and maintain strong relationships with alumni, donors and corporate partners
• Coordinate stewardship activities to acknowledge and recognize donor contributions to ensure a positive donor experience
• Organise events and initiatives to engage potential and existing donors
• Prepare impact reports to update donors on progress

3. Prospect Research and Management

• Conduct research and analysis on donors/prospects to determine giving interests and potential as well as funding sources
• Compile databases/lists for prospect identification and lead generation
• Track industry, education and philanthropy-related news that could impact giving
• Maintain an updated database of prospects and manage donor records
• Develop and implement strategies for donor cultivation and stewardship

4. Gift Administration

• Support the team in gift processing and administration
• Prepare reports and presentations for leadership and stakeholders
• Track and analyse data on fundraising progress and outcomes
• Any other duties as assigned

Qualifications

• A degree with at least 5 years of relevant work experience
• Fundraising or similar capacity is advantageous
• Experience in higher education or in philanthropy will be a plus
• Proven track record in successful fundraising or selling to individuals and or/organisations
• Skilled relationship builders and able to manage a mixed portfolio of individual, corporate, and prospective donors
• Strong listener with excellent verbal and written communication, interpersonal and organisation skills
• A high degree of customer service orientation
• An ability to maintain a high level of confidentiality with respect to prospects and donors’ information
• Experience in market research, database/portfolio/CRM management is desirable
• Creative problem-solving and good project management skills
• Internet savvy with proficiency in fundraising software and Microsoft Office suite
• Motivated and able to work under pressure
• Able to work independently or as a team

(Appointment job grade will commensurate with the selected candidate's experience)

About the Team

With the mission of "Inspiring New Life and Helping Good Business", Local Services is committed to becoming the most trusted local services platform for users and partners.

In Local Services, through POI, Video, LIVE, Search, and other various products, services and roles related to life are creatively connected, making the daily life experience richer, more unique and more innovative.

At the same time, Local Services creates an inclusive and fair healthy business environment, helping merchants, service providers, creators and other roles to continuously create revenue and improve efficiency.

Based in Singapore, we are on the lookout for a Travel Partner Operation Lead who can drive growth and lead our travel industry partnerships. TikTok's local services partnerships are a critical means of accelerating the platform's service offerings to users and merchants. As the Travel Solutions Lead, you will play a pivotal role in leading your team, working with top travel services partners to further enhance TikTok's service offerings.

Responsibilities

- Lead and manage a team of Industry Managers focused on the travel sector, driving business growth and service excellence.

- Act as a strategic leader, developing and implementing initiatives that elevate TikTok's travel partnership offerings.

- Work cross-functionally with various verticals and teams to drive revenue, increase collaboration, and deepen partnerships.

- Drive product and partner adoption, providing ongoing education about new and existing TikTok products, particularly those that leverage advanced technology.

- Develop and implement scalable processes to enhance market activities and communication strategies.

- Represent TikTok in high-level meetings with travel industry leaders and key stakeholders, demonstrating the highest level of integrity and professionalism.

Minimum Qualifications

- Experienced in client-facing roles, with a focus on team leadership and partner management in the travel or technology industry.

- Proven experience leading cross-functional teams, both within the organization and with external travel industry partners.

- Strong track record of successfully presenting to diverse audiences, including senior executives.

- Demonstrated ability to lead significant projects and drive business growth.

- Proficiency in negotiation and strong analytical skills.

Preferred Qualifications

- Experience working in a global team environment.

- Strong product acumen with the ability to influence and contribute to product strategy.

The role will be part of the Singapore Aerospace Programme (SAP) team to manage research projects performed by A*STAR Research Entities for industry partners, manage programme activities and handle industry engagement activites.

Key responsibilities include:

Programme management

• Assist in the planning and execution of new project launches including the call for problem statements, workshops and proposal/technical reviews
• Monitor on-going projects through regular review meetings with research teams to ensure budget and deliverables are met
• Manage report submissions and variation requests
• Assist in the planning and execution of 6-monthly Programme Management Committee (PMC) meetings
• Work with teammates to ensure the smooth operations of the programme
• Support other office functions, e.g. hosting industry events

Stakeholder engagement and development

• Participate in meetings with SAP consortium members, industry stakeholders and public agencies
• Assist in the planning and execution of Singapore Airshow exhibition and hosting of Singapore Aerospace Technology Leadership Forum
• Facilitate the conceptualization and development of follow-on research initiatives beyond SAP
• Work with inter-division or inter-agency teams to drive aerospace industry development, develop industry transformation maps and aerospace roadmaps
• Coordinate industry engagement activities such as company visits to A*STAR and Airshow meetings and manage follow-up actions
• Nurture industry accounts to deepen research activities with A*STAR
• Engage Institutes of Higher Learning (IHLs) to jointly develop research ecosystem aerospace capabilities

Job Requirements

• Bachelor of Engineering, preferably in the field of aerospace or aeronautical
• 8 years of relevant experience, preferably in aerospace MRO or R&D and/or project management roles
• Strong communication skills
• Strong interpersonal skills
• Strong planning and analytical skills
• Result-oriented, resourceful and attentive to details
• Familiarity with the Singapore research ecosystem and grant call process will be an advantage

The above eligibility criteria are not exhaustive. A*STAR may include additional selection criteria based on its prevailing recruitment policies. These policies may be amended from time to time without notice. We regret that only shortlisted candidates will be notified.

The role will be part of the Singapore Aerospace Programme (SAP) team to manage research projects performed by A*STAR Research Entities for industry partners, manage programme activities and handle industry engagement activites.

Key responsibilities include:

Programme management

• Assist in the planning and execution of new project launches including the call for problem statements, workshops and proposal/technical reviews
• Monitor on-going projects through regular review meetings with research teams to ensure budget and deliverables are met
• Manage report submissions and variation requests
• Assist in the planning and execution of 6-monthly Programme Management Committee (PMC) meetings
• Work with teammates to ensure the smooth operations of the programme
• Support other office functions, e.g. hosting industry events

Stakeholder engagement and development

• Participate in meetings with SAP consortium members, industry stakeholders and public agencies
• Assist in the planning and execution of Singapore Airshow exhibition and hosting of Singapore Aerospace Technology Leadership Forum
• Facilitate the conceptualization and development of follow-on research initiatives beyond SAP
• Work with inter-division or inter-agency teams to drive aerospace industry development, develop industry transformation maps and aerospace roadmaps
• Coordinate industry engagement activities such as company visits to A*STAR and Airshow meetings and manage follow-up actions
• Nurture industry accounts to deepen research activities with A*STAR
• Engage Institutes of Higher Learning (IHLs) to jointly develop research ecosystem aerospace capabilities

Job Requirements

• Bachelor of Engineering, preferably in the field of aerospace or aeronautical
• 5 years of relevant experience, preferably in aerospace MRO or R&D and/or project management roles
• Strong communication skills
• Strong interpersonal skills
• Strong planning and analytical skills
• Result-oriented, resourceful and attentive to details
• Familiarity with the Singapore research ecosystem and grant call process will be an advantage

The above eligibility criteria are not exhaustive. A*STAR may include additional selection criteria based on its prevailing recruitment policies. These policies may be amended from time to time without notice. We regret that only shortlisted candidates will be notified.

Opportunity for a Senior Operations Manager (SOM)

We are Energy. It is energy that propels people and the planet forward. Which is why we go to great lengths to bring only the cleanest, most cost-effective energy … to even the most challenging of situations.

WEnergy Global Pte Ltd is a leader in advancing a truly clean energy transition in Southeast Asia through smart solutions tailored to this archipelagic, dynamic region's unique energy challenges. We cover the full range of activities from design and engineering to financing and investment enabling hybrid powered off-grid and smart-tech micro-grids, or replacing conventional diesel with renewable energy sources powering island grids or building rooftop solar PV or wind systems on commercial and industrial buildings. We are using a versatile range of renewable energy technologies, advanced storage systems and smart financing to create world-class solutions for clean, reliable and affordable electricity for our consumers, communities and host countries. We are a thought partner for key decision-makers in policy development and technology choice, and assist with local capacity building to facilitate accelerated transition to resilient, productive, and sustainable lifestyles. Also refer to our website: www.wenergyglobal.com. Please also visit our social media pages on LinkedIn, Facebook, Instagram and TikTok.

The Company’s Headquarters is in Singapore and has teams of specialized staff in Singapore, Philippines and Indonesia. Our corporate culture is shaped by brilliant minds from 7 different countries and embraces international principles of good governance. WEnergy Global is a shareholding partner of CleanGrid Partners Pte Ltd, a joint venture company with the Tokyo Electric Power Corporation PowerGrid Inc. (TEPCO-PG). The Company is winner of the Winsemius Awards 2016 and 2022 of the Dutch Chamber of Commerce (DutchCham) Singapore, Singapore APEX Award 2016 of the Singapore Business Federation and the Erasmus Energy Business Award 2014 of the Rotterdam Business School, The Netherlands.

To power the business expansion, we have an opportunity for a credible and talented Senior Operations Manager (SOM) to join our Company and become a member of the Management Team in Singapore.

Position Overview: The Senior Operations Manager will play a pivotal role in overseeing the execution and optimization of multiple renewable energy projects across various regions. This position requires expertise in project planning, operational efficiency, and resource management to deliver projects on time and within budgets. The SOM will harmonize workflows, streamline subcontractor activities, and ensure cost-effective procurement to create economies of scale. As a member of the Management Team, the SOM will provide critical insights on financial performance, risk management, and operational improvements. This role demands a dynamic leader with a deep understanding of renewable energy operations and a proven ability to manage complex, multi-country portfolios.

Key Responsibilities:

(i) Master Project Planning and Oversight:

Develop and manage a Master Gantt chart for projects across business verticals. Develop and/or use existing tools and methods to optimize cost, time, and quality while aligning engineering, procurement, and construction phases across countries. Consolidate purchasing needs for economies of scale, resolve scheduling conflicts, and address resource bottlenecks. Track milestones and provide progress updates to the Management Team.

(ii) Workflow & Process Optimization:

Identify and address inefficiencies at project and SPV levels and implement improvements through harmonised procedures. Introduce automation tools to enhance monitoring and performance. Establish KPIs to track efficiency and synergies, and collaborate with department heads to incorporate best practices for productivity and teamwork.

(iii) HR Resource Allocation:

Coordinate with departments to forecast and allocate personnel for project execution and SPV operations, adjusting staffing based on project phases. Monitor performance, address skill gaps, and optimize team assignments by working with and through heads of departments.

(iv) Subcontractor Harmonization:

Establish performance benchmarks and enforce standards across regions and asset types. Monitor regional labour costs and maintain country-specific contractor charges. Standardize construction activities, develop a robust contractor database, and implement a safety program compliant with ISO, OSHA, and other certifications.

(v) Cash Flow & Financial Planning:

Create portfolio-level cash flow forecasts, accounting for schedules, material purchases, and labour costs. Monitor expenditures against budgets, adjust plans as necessary, and provide financial updates to the Management Team, highlighting risks. Develop contingency strategies to manage cost overruns effectively.

(vi) Risk Identification & Mitigation:

Identify and monitor portfolio-level risks, such as resource shortages, supply chain and logistics issues and regulatory challenges, and develop comprehensive mitigation strategies and contingency plans. Ensure compliance with local laws and industry standards to minimize legal and operational risks.

Reporting:

The Senior Operations Manager reports directly to the CEO and attends weekly Group Management Team Meetings.

Competences & Capabilities:

· Master’s degree in engineering, industrial-business administration, or a related field, preferably combining engineering with business.

· Minimum 10 years in the renewable energy sector, with at least 5 years in a senior role, preferably in the Asia-Pacific region.

· Experience in managing construction and/or renewable energy projects in challenging environments.

· Strong in budget management, financial analysis, and strategic operations planning.

· PMP Certification, Six Sigma, and Operations Excellence/Safety Management certifications.

· Excellent leadership, communication, and interpersonal skills.

· Ability to adapt in a fast-paced environment and a commitment to diversity and sustainability.

Compensation and Benefits:

• Competitive salary and performance-based bonuses.
• Comprehensive benefits package, including health insurance, participation in Employee Shareholding Programme, and professional development opportunities.
• Relocation assistance, if applicable.

Location

The position is located at the WEnergy Global Headquarters in Singapore. Travelling within ASEAN countries, including remote sites, will be required from time to time.

Application and Contact

Please send us your application letter and comprehensive resume to [email protected] with mention of “SOM Application – WEnergy Global” in the subject of the email or letter. Application without a cover letter will not be considered by the Company. Your cover letter shall clearly describe your motivation, fit-for-purpose reasoning and compliance with the above roles and qualifications. Or via courier to following address: WEnergy Global Pte Ltd, ALICE @ Mediapolis, 29 Media Circle #04-18, Singapore 138565.

Closing Date and Procedure: December 31st, 2024. The final selected candidate is expected to commence employment within two (2) months from signing the employment agreement, pending document verification and (if required) an approval of an Employment Pass by the Government of Singapore.

WEnergy Global Group has a diverse/multicultural environment and is proud to be an equal opportunity employer. All qualified and experienced applicants will receive consideration for employment without regard to race/ethnicity, religion, gender, sexual orientation, national origin, disability, marital status or age.

Job Description:

• Responsible for performing Credit Appraisal of Trade Finance Accounts, Retail loans/Syndicated/Bilateral loans.
• Responsible for all Credit administration related function pertaining to trade finance advances, retail loans, Syndicated/ Bilateral loans including
• Post sanction monitoring of corporate and retail credit accounts including verification of sanction notes and related documents before disbursal.
• Maintenance and safe custody of Credit file/ loan documents/ security documents etc.
• Monitoring of the credit portfolios to ensure prompt pre-emptive action so as to maintain quality of assets.
• Analyse financial statement of borrowal accounts for deviation with the sanction proposal.
• Ensure compliance of Loan Grading and provisioning as per MAS/RBI guidelines, whichever is more stringent.
• Monitoring of Early Warning Signal (EWS) and analysis of the alerts received with specific views and the impact on the credit quality of the loan.
• Follow up with the borrower/ Agent for regularisation of irregular loans as well as stressed assets for early resolution.
• Make unit visits as per terms of sanction.
• Follow up for compliance of other terms and conditions as per terms of sanction/Facility Agreement and perfection of security.
• Verification/Authorization financial payment messages and non-financial messages through Finacle.
• Follow-up on roll over notices, interest advice to borrowers and other lenders/participating branches
• Correspondence with borrowers/agents through email or phone calls for their confirmation on payment due or on clarification of various issues relating to different clauses of facility agreement, interest periods, compliance certificate etc.
• Preparation of regulatory returns (MAS, RBI) at stipulated intervals.
• Preparation of various returns and internal reports (including adhoc and miscellaneous reports for top management)
• Attending to Internal and External Audits and ensure rectification of deficiencies pointed out.
• Follow-up for submission of periodic financials and compliance certificates.
• Attending to credit related queries from regulators.
• Work closely with Senior Management to provide views and recommendations on market trends and conditions.

Requirements:

• Degree or equivalent preferably in the field of Banking and finance
• Banking experience of a minimum of 5 years in related field.
• Good understanding of financial statements
• Sound knowledge of banking systems/processes/procedures.
• Good management skills and analytical mindset, one who can effectively analyse a situation and make decisions to address issues/problem.
• Excellent communication and inter personal skills with the ability to Interact with all levels of staff and top management
• Sound knowledge of Microsoft applications: Excel/Word/PowerPoint.

The candidate should preferably have experience in different verticals such as International Banking, Computer Application and Business Management.

Interested candidates please email resume in MS Word format to [email protected]

Please state your last drawn and expected package, relevant skill sets and the position you are applying for.

Kindly attached a photograph of yourself on the resume.

Resumes collected will be kept in strict confidence and used for recruitment purposes only.

KEY ACCOUNTABILITIES

• Oversees and plays an integral part in the development and implementation of CX strategy and plans, ensuring all areas of the business from product proposition development, digital and channel services, sales and marketing, branding and communications, customer communications and contact points, claims and operations are interrelated and integrated to relay one seamless CX.
• Champions the Voice of Customer (VOC) programme and feedback is collected, analysed and disseminated into the business for consideration / execution and delivery.
• Manages the ongoing synthesis of relevant Customer data, business analytics and intelligence, to increase effectiveness and efficiency, vision and principles and uplift CX and Customer Loyalty.
• Designs and develops best in class digital customer experiences across all technology driven interfaces.
• Manages all user experience, working with IT to ensure simplicity of all front end design, and that the customer is at the heart of all design.
• Manages customer communication touchpoints including but not limited to service & customer information emails, app communications, Chatbot & LiveChat.
• Manages the Service Call Centre, ensuring customer service levels are kept above industry benchmarks. Further, the role ensures the right protocols/procedures for front-line facing employees to enhance the customer experience.

QUALIFICATIONS / EXPERIENCE

• Bachelor’s or master degree in business, marketing, communications, public relations or related field.
• A 10+ year career, preferably spanning both line and staff functions, with demonstrable operational and public-facing results.
• Proven experience in transforming customer operations and services, leading to measurable improvement in the end-to-end customer experience, preferably along with a reduction in related expenses.
• Experience influencing large customer-facing teams with metrics that demonstrate improvements in both customer satisfaction and cost management.

KNOWLEDGE & TECHNICAL SKILLS

• Ability to oversee customer research and analysis, able to develop, implement, and cause adjustment to functional strategies and plans to ensure competitive pricing, customer satisfaction, innovative product development.
• Experience managing Voice of Customer Programs
• Ability to oversee the development and initial implementation of UX opportunities that meet the growth objectives of the business.
• Ability to manage performance data, analyse and report results e.g. NPS, CXI and recommends/takes corrective actions to ensure the achievement of mission and CX objectives.
• Ability to people manage and lead a large team as well as projects
• Strong digital know how