Total 16,883 hr associate job vacancies in Singapore- Marina View

We offer an EXPERIENCE where you learn skills that will stay with you throughout your life while being surrounded with new friends who celebrates your ACHIEVEMENTS.

Our company ever expanding organization didn't just grow by chance. Each new talent that comes on board is the result of our meticulous recruitment process handled by a team of skilled people, all focused to drive our organizational growth.

Businesses that partner with us come in all shapes, sizes and market caps. Your knowledge of people skills combined with your communication skills shapes how new and existing business grow. Using your influencing and relationship-building skills, you become the expert in client services as a BRAND MARKETING ASSOCIATE.

You anticipate how decisions are made, persistently explore and uncover the business needs of key clients and understand how their range of product offering can be marketed in various way.

Requirements:

• Keen in traveling and enjoys meeting new people
• Ability to set and maintain high standards of professionalism, work ethics and integrity

Responsibilities:

• Lead marketing campaign in events and roadshows setting
• Provides excellent customer service while handling clients’ project
• Help to create clients’ brand awareness and increase sales revenue

Benefits:

• Mentorship is key – we hand groomed every single talent here
• Great environment - positive & empowering team
• 100% performance-based remuneration structure – It’s you who gets to decide

Travelling opportunities to our regional counterparts – Get your passport ready

IF YOU ARE READY TO VENTURE TO AN ENVIRONMENT WHERE LEARNING MEETS OPPORTUNITIES, CLICK APPLY NOW TO JOIN US.

Just Graduated/ORD-ED/ Looking for a Change?
Look no further!

As the leading industry expert, Euphoria Organisation is the go-to outsourced sales and marketing firm that renowned businesses rely on to increase their market share and brand awareness.

We are now expanding and looking to groom the next leaders of the industry and bring their careers to greater heights.

Responsibilities:

• Conduct sales and marketing strategies via face-to-face marketing channels to potential clients
• Support and enhance the team's business growth

You can look forward to:

• A Competitive Salary & Performance Bonuses
• 1-on-1 Mentorship
• Career Advancement and Progression
• Personal Development
• Overseas Exposure
• Dynamic Working Culture

Requirements:
* Adaptable & Determined
* No Experience Required as Training is Provided

Apply now if you are the next big thing out there :)

• Independently deliver products to assigned customers via a chiller truck.
• Implement FIFO methods for merchandising product displays.
• Build and maintain relationships with outlets while also managing payment collections.

Requirements:

• Possess a valid Class 3 licence.
• PSLE and above.
• At least 1 year of experience in FMCG trade.

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

Duration: 1 year contract

Location: Changi Airport

Responsibilities

1. Market Insights and Data-Driven Strategies

• Conduct in-depth market research and gather consumer insights through in-country research, industry intelligence, and focus groups.
• Identify key consumer trends, shopping behaviours, and industry developments in the Indonesia and India markets.
• Develop actionable strategies and marketing plans based on data analysis to improve business performance and achieve revenue growth.

2. Planning and Execution of Regional Marketing Initiatives

• Support the design and execution of high-impact marketing campaigns and events tailored to local market nuances.
• Lead the development of on-ground campaigns that engage consumers and spur spending.

3. Collaboration with Retailers, Brands, and Partners

• Work closely with retailers, brand partners, and in-country agencies to curate relevant content and programs that resonate with local audiences.
• Build and nurture strong partnerships with external stakeholders to co-create campaigns that drive mutual success.
• Coordinate joint marketing efforts to enhance brand visibility and improve conversion rates.

4. Content Development and Program Curation

• Develop localised content and promotional programs that cater to the preferences of target consumers in Indonesia and India.
• Ensure marketing materials and campaigns reflect a deep understanding of cultural nuances and consumer motivations.
• Collaborate with creative teams to deliver compelling and market-relevant materials that adhere to brand guidelines.

5. Campaign Performance Monitoring and Reporting

• Track and evaluate campaign performance across digital and traditional channels using data analytics tools.
• Identify and measure key performance indicators (KPIs) to assess the effectiveness of campaigns.
• Prepare post-campaign reports with actionable insights, highlighting successes and areas for improvement.

6. Competitor and Industry Analysis

• Monitor competitors’ marketing strategies, promotions, and consumer engagement tactics.
• Analyze industry trends and identify opportunities to position the business as a market leader.
• Summarize findings in comprehensive reports to guide decision-making and future campaigns.

7. Strategic Budget and Resource Management

• Assist in managing marketing budgets, tracking expenses, and ensuring cost-effective use of resources.
• Coordinate with internal teams and external partners to optimize campaign execution within allocated budgets.

Requirements

• Degree in Marketing, Business, Communications or related field
• Minimum 2-3 years of relevant experience in marketing, market research, or campaign strategy, with exposure to Indonesia and/or India markets preferred.
• Strong analytical skills with the ability to interpret data and derive actionable insights.
• Sharp business acumen with a focus on driving measurable outcomes.
• Proficiency in digital marketing tools, analytics platforms, and reporting systems.
• Excellent communication and interpersonal skills for collaboration with diverse stakeholders.
• Creative thinking with a solutions-oriented mindset.

Interested candidate please click "APPLY" to begin your job search journey and submit your CV directly through the official PERSOLKELLY job application platform - GO Mobile.

https://sg.go.persolkelly.com/job/apply/10415

We regret to inform that only shortlisted candidates will be notified.

By sending us your personal data and curriculum vitae (CV), you are deemed to consent to PERSOLKELLY Singapore Pte Ltd and its affiliates to collect, use and disclose your personal data for the purposes set out in the Privacy Policy available at https://www.persolkelly.com.sg/policies. You acknowledge that you have read, understood, and agree with the Privacy Policy.

PERSOLKELLY Singapore Pte Ltd • RCB No. 200007268E • EA License No. 01C4394 • Reg No: R23117066 (CHEW KIA ZHENG)

Your Impact:

At Goldman Sachs, our Engineers don’t just make things – we make things possible. Change the world by connecting people and capital with ideas. Solve the most challenging and pressing engineering problems for our clients. Join our engineering teams that build massively scalable software and systems, architect low latency infrastructure solutions, proactively guard against cyber threats, and leverage machine learning alongside financial engineering to continuously turn data into action. Our culture is one of teamwork, innovation and meritocracy. We often say our people are our greatest asset and we take pride in supporting each colleague both professionally and personally. From collaborative work spaces and mindfulness classes to working from home and flexible work options, we offer our people the support they need to reach their goals in and outside the office.

Goldman Sachs has launched an initiative to become the top provider in equities trading by building superior technology and delivering high quality products. This vision is a multi-year investment in people, platforms and products. Join the team, and participate in the development and launch of best in class products for top clients across the industry. We are looking for eager, nimble and ambitious engineers to join our growing team of visionaries, and drive Goldman Sachs to achieve and exceed our goals.

This team is accountable for platform architecture evolution to meet the evolving needs of different business lines globally with rapid software deployment. As stewards of critical components in order execution and post-trade, the team is accountable for a high degree of software quality. The team consists of self-guided pragmatic individuals who are motivated to change the status quo in calculated ways. As a member of the team, you will play an integral role on the trading floor. This is a dynamic, entrepreneurial team with a passion for technology and the markets, with individuals who thrive in a fast-paced changing environment. The team takes a data driven approach to decision making and you should be willing to participate in the full product lifecycle from requirements gathering, design, implementation, testing, support, and monitoring trading performance for systems and strategies used by our clients.

How will you fulfill your potential?

• As part of the Equities Technology team you will be responsible for designing and implementing the firm’s strategic vision for the Equities technology stack
• You will deliver value by architecting scalable solutions that are primed for reuse across the revenue generating divisions
• You will reform workflows through automation and devise the tools which will enable the equities business to better service their clients’ needs
• You will develop and enhance the data centric tools that will be used to drive business decision making
• You will help internal and external clients to leverage the technology offering to efficiently and effectively meet their business goals

Basic Qualifications:

• Bachelors or Master’s degree in computer science or engineering
• 3 years of experience developing large-scale applications, ideally in Java/ C++
• Thorough knowledge of Java programming concepts
• Strong knowledge of object oriented programming, data structures, algorithms and design patterns
• Experience with distributed, event driven systems and using messaging protocols
• Strong communication skills and the ability to work in a team
• Strong analytical and problem solving skills
• Experience working with end users

Preferred Qualifications:

• Experience in the financial industry and an aptitude to learn
• Cross platform desktop applications development experience
• Experience building applications on Linux
• Experience in project management at a basic level

ABOUT GOLDMAN SACHS

At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.

We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers.

We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html

© The Goldman Sachs Group, Inc., 2023. All rights reserved.

Goldman Sachs is an equal employment/affirmative action employer Female/Minority/Disability/Veteran/Sexual Orientation/Gender Identity

The purpose of the job is to review and conduct AML/KYC/PEP and Sanction Checks investigating sanction alerts and adverse media regarding clients. Reporting to Associate Director, Compliance, you will:

• Conduct High Risk payment, Relationship Management Agreement (RMA) and transaction monitoring reviews, and investigate potential issues arising
• Perform day-to-day compliance activity to support the business i.e. compliance approvals, escalations, alerts
• Assist with the Compliance Monitoring Process, carrying out testing and quality control checks as required.
• Work with the global Compliance Team to develop, implement, and monitor the applicable Compliance Monitoring Plans (CMP) to ensure appropriate controls are developed, monitored and updated to reflect changing regulatory and industry requirements.
• Enhance management reporting and assist in the periodic reporting to the Chief Compliance Officer (CCO), the Compliance Committee, Board of Directors, Senior Management and the parent company.
• Assist in annual policy and procedure reviews highlighting any potential areas of improvement.

Global Banking & Markets

Our core value is building strong relationships with our institutional clients, which include corporations, financial service providers, and fund managers. We help them buy and sell financial products on exchanges around the world, raise funding, and manage risk. This is a dynamic, entrepreneurial team with a passion for the markets, with individuals who thrive in fast-paced, changing environments and are energized by a bustling trading floor.

What We Do

At Goldman Sachs, our Engineers don’t just make things – we make things possible. Change the world by connecting people and capital with ideas. Solve the most challenging and pressing engineering problems for our clients. Join our engineering teams that build massively scalable software and systems, architect low latency infrastructure solutions, proactively guard against cyber threats, and leverage machine learning alongside financial engineering to continuously turn data into action.

At Goldman Sachs, our culture is one of teamwork, innovation and meritocracy. We often say our people are our greatest asset and we take pride in supporting each colleague both professionally and personally. From collaborative work spaces and mindfulness classes to working from home and flexible work options, we offer our people the support they need to reach their goals in and outside the office.

Goldman Sachs Electronic Trading

Goldman Sachs Electronic Trading (GSET) has launched an initiative to become the top provider in electronic trading by building superior technology and delivering high quality products. This vision is a multi-year investment in people, platforms and products. Join the team, and participate in the development and launch of best in class products for top clients across the industry. We are looking for eager, nimble and ambitious engineers to join our growing team of visionaries, and drive Goldman Sachs Electronic Trading to achieve and exceed our goals.

Your Impact

We are looking for a highly motivated professional to join our Equities Execution Algo R&D team serving Asia Equities markets. The team is part of the Equities 1D / Electronic Trading strats and is primarily responsible for execution research, trading signal development, market microstructure studies, transaction cost modeling (TCM), post-trade execution quality analysis and other quantitative investigations of interest to both the agency and principal execution desks.

This team is accountable for building best in class product suite for electronic trading, including but not limiting to execution algos and smart order routers, to meet the evolving needs of different business lines globally. The team consists of self-guided pragmatic individuals who are motivated to change the status quo in calculated ways.

As a member of the team, you will play an integral role on the trading floor. This is a dynamic, entrepreneurial team with individuals who thrive in a fast-paced changing environment. The team takes a data driven approach to decision making and you should be willing to participate in the full product lifecycle from requirements gathering, design, implementation, testing, support, and monitoring trading performance for systems and strategies used by our clients.

Responsibilities

• Build best in class algorithmic trading offering to Goldman Sachs' electronic trading clients and internal trading desks.
• Design, build and maintain highly specialized, low latency Equities trading strategies.
• Use data to guide decision-making, developing or enhancing tools as necessary to collect it.
• Implement and rigorously back test signals and models.
• Observe, measure and act proactively to continuously improve performance of trading strategies.
• Communication with traders, sales, clients and compliance officers about new feature requests, explanation of existing features etc.

Basic Qualifications

• Bachelors or Master’s degree in computer science or engineering or equivalent experience
• Min. 3 yrs of professional experience in developing high performance, low latency systems for Associate/ Vice President
• Thorough knowledge of Java programming concepts
• Strong knowledge of object oriented programming, data structures, algorithms and design patterns
• Experience developing distributed architecture systems and message bus protocols
• Strong analytical and problem solving skills
• Strong communication skills and the ability to work in a team

Preferred Qualifications

• Familiarity with financial markets and market microstructure
• Relevant experience in Financial industry (algorithmic trading, automation of trader workflows, HFT strategies)
• Experience building re-usable building blocks and API’s for trading strategies that can be deployed in global markets; experience building tools for performance analysis, back testing and visualization
• Linux systems programming experience including memory management, concurrent programming infrastructure, and the networking stack
• Knowledge of SQL & REST API query, KDB+ a plus

ABOUT GOLDMAN SACHS

At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.

We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers.

We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html

© The Goldman Sachs Group, Inc., 2023. All rights reserved.

Goldman Sachs is an equal employment/affirmative action employer Female/Minority/Disability/Veteran/Sexual Orientation/Gender Identity

Job Title: Sales Associate

Location: West Area (The nearest MRT is Jurong East)

Role Overview:
Our client, a Japnese trading company, is looking for a motivated Sales Associate to join their team. The ideal candidate will have a passion for customer service, a proactive attitude, and experience in retail sales. This role offers the opportunity to enhance customer engagement, contribute to a dynamic sales environment, and achieve personal and team goals.

Key Responsibilities:

• Improve customer engagement with merchandise and provide exceptional customer service.
• Ensure the product presentation area is clean, organized, and visually appealing.
• Stock shelves with products and maintain inventory levels.
• Report customer complaints, issues, and discrepancies to the Sales Manager.
• Stay updated on product features using company literature and training resources.
• Achieve established sales goals and targets.
• Perform other ad-hoc duties as assigned.

Requirements:

• Minimum of 2–3 years of experience in a retail or sales role.
• Minimum qualification: ‘O’ Level or above.
• Strong communication and interpersonal skills.
• Proactive and goal-oriented mindset.

Others:

Salary: SGD 2,000-2,500 +AWS +VB (depending on the individual performance)

Interview process: 1-2 rounds (In person)

Annual Leave: 14 days

Medical benefits: GP cashless, Group Hospital and Surgical Insurance, Group Term Life Insurance

Allowance: Transport allowance, Mobile Allowance

Application Procedure

Interested candidates who wish to apply for this position, please click APPLY NOW or send your latest CV to us via email.

Email Address: [email protected]

Include in your CV: your current&expected salary, start date and notice period (if applicable)

We regret that only shortlisted candidate will be notified.

ICMG TD PTE. LTD

EA Licence No: 24C2427

Haruka Wada

EA Registration number: R2198870

Yearly Bonus (0.5-3.5 months depends on performance)
5 days work week across Monday - Sunday

Responsibilities:

• Provide outstanding customer service by greeting customers, maintaining product knowledge, and ensuring a friendly environment.
• Stay informed about promotions and advertisements, especially at the cash area.
• Accurately handle cash, credit cards, vouchers, and credit notes at the register.
• Maintain a clean and orderly checkout area.
• Establish prices, organize bills, and issue receipts or change based on invoices.
• Count and record cash transactions, ensuring proper turnover of the cash register to the next cashier.
• Compute and record transaction totals.
• Assist with packing purchased items and offer carry-out service when needed.

Requirements:

• Experienced in Cashiering in retail industry

Interested candidate please click "APPLY" to begin your job search journey and submit your CV directly through the official PERSOLKELLY job application platform - GO Mobile.

We regret to inform that only shortlisted candidates will be notified.

By sending us your personal data and curriculum vitae (CV), you are deemed to consent to PERSOLKELLY Singapore Pte Ltd and its affiliates to collect, use and disclose your personal data for the purposes set out in the Privacy Policy available at https://www.persolkelly.com.sg/policies. You acknowledge that you have read, understood, and agree with the Privacy Policy.

PERSOLKELLY Singapore Pte Ltd • RCB No. 200007268E • EA License No. 01C4394• Reg. R22111375 Chua Jie Lin

GFANZ APAC NCO - Associate (2 years' contract)

The Glasgow Financial Alliance for Net Zero (GFANZ) is a global coalition of leading financial institutions committed to accelerating the decarbonization of the economy. It is anchored on 2 key aims - expanding the number of net-zero committed financial institutions, and addressing sector-wide challenges associated with the net-zero transition.

Since its inception, the coalition has gained wide traction and commitments, with 675+ members across the financial sector holding $135T of combined financial assets (representing ~40% of global financial private assets). In June 2022, the GFANZ Asia Pacific (APAC) Network was established to drive the expansion of net-zero finance in the Asia-Pacific and help accelerate the region’s transition to a net-zero economy. The GFANZ APAC network is anchored on 4 key priorities:

● Engagement and Recruitment : Drive net-zero awareness and commitments through closing knowledge and capability gaps.

● Research and Analysis : Drive the regional dissemination and contextualization of GFANZ research, and incorporate Asia-Pacific insights into GFANZ’s global output.

● Public Sector Engagement : Engage relevant public sector regulators across both the financial and real economy. Specifically, the Network will launch a structured engagement platform to engage public sector agencies in Southeast Asia on net-zero policies/regulations.

● Mobilize capital into EM&DEs : Support platforms for piloting and scaling financial solutions for transition finance mobilization in emerging markets and developing economies.

The GFANZ APAC Network Central Office is located in Singapore and is supported and hosted by SGX Group.

Position: Associate

The Associate will support key work streams and activities of the GFANZ Asia-Pacific Network with responsibilities that range from research and analysis to stakeholder engagements. The scope of the candidate’s geographical focus will be Asia, ex Japan and China.

Key responsibilities:

1. Event organization and coordination - assist in conceptualizing, planning, organizing and executing key events organized by the GFANZ Asia-Pacific Network (e.g., GFANZ APAC Summit, CEO roundtables, forums, etc.)
2. Research and analysis - Provide content support through research and analysis for key projects and workstreams
3. Engagement and Capacity Building support - own and manage stakeholder relationships (e.g., policymakers, financial institutions etc.), and support senior team members with the planning and organizing meetings and engagements as required
4. Project and Process Management and Database Maintenance - Upkeep and maintain internal databases (e.g., KPI tracking, tracking of alliance membership), managing translation projects, managing website updates etc.
5. Other ad hoc duties and responsibilities, as required.

Requirements:

● Up to 3 years of experience, preferably in the sustainability and sustainable finance space, with experience with stakeholder engagements and organizing events, and research and content work.

● Strong ability to communicate clearly (verbally and written, including in powerpoint).

● Detail-oriented and a strong problem solver.

● Strong team player, with an ability to coordinate and work together with multiple teams successfully.

● Strong stakeholder management and people skills.

Good to have:

● Knowledge of climate finance trends, developments and issues.

● Sustainability-related knowledge or finance exposure, degree or experience.

● Exposure to senior stakeholders.

● Written and oral language skills in Mandarin, Bahasa Indonesian, Vietnamese, Korean and other languages in Asia Pacific is a bonus.

The candidate must:

● Self-starter with high drive and initiative

● Strong team player

● Work well in ambiguous situations

● Keen interest and passion in sustainable development and sustainable finance

KPMG Turnaround and Restructuring Services help businesses and their stakeholders to conceptualize and implement strategic, operational and financial change. These changes are due to a constantly evolving business lifecycle and technological disruptions affecting how businesses operate. We help our clients find innovative solutions – from being a catalyst to help clients improve performance and achieve sustainable growth, to providing our expertise in helping clients navigate complex cross border insolvencies.

As a restructuring and insolvency specialist, you will be part of a team who are dedicated to their craft in bringing practical solutions to our clients and their stakeholders, with hands-on involvement in the implementation of restructuring and insolvency plans.

Responsibilities

• Performing analysis on the historical and current financial performance of the client to determine the viability of the business and identifying immediate remedies to resuscitate the business;
• Assisting the client in the preparation of cash flow projection and ascertain the validity of the assumptions adopted and liquidity requirements of the client;
• Liaising with various stakeholders of the client in administration of various forms of corporate insolvency and restructuring engagements (such as judicial management, liquidation and receivers and managers) including dealing with creditors’ queries, recovering and realizing assets and fulfilling the statutory obligations of the administrators;
• Supporting the business development initiatives, including the preparation of proposals and identification of opportunities.
• Working closely with Partners and Managers on client management and business development activities.

Requirements

• Minimum 3 years of experience in corporate/individual insolvency and/or restructuring exercise
• Possess a Degree in accountancy, or Finance or Business or professional qualification in accounting
• Proficient with the Microsoft office applications
• Be familiar with the applicable Singapore law on corporate restructuring and insolvency
• Be able to work in teams with good interpersonal skills
• Possess a good understanding of business drivers and their fundamentals
• Be resourceful, versatile, analytical and possess good project management skills

• Min. 3 years of Finanical Services/ Digital Products Sales service experience, preferably within a fintech or financial services environment.
• This is individual contributor role and Training will be provided.
• Committed, result-oriented/ detailed-oriented with strong work ethics and open to clients facing

Job Summary:

We are looking for driven and passionate Senior Associate/Assistant Manager to join our Wealth Tradinng Operation Team within the Financial Technology infrastructure and responsible for:

Booking, trade reconciliation and settlement

• Ensure smooth trade management, confirmations, and settlement for our full cryptocurrency product suite.
• Manage trade records and ensure data accuracy across multiple internal systems.
• Improve client experience via data analytics and workflow enhancements.
• Ensure proper asset segregation to protect client monies.
• Verify that all trading functionalities, such as order placement, execution, settlement and reconcilation, work correctly.
• Validation of Business Requirements, ensure the trading platform meets all specified business requirements.

The individual will have opportunity to gain exposure to all aspects of trade operations, and regulatory compliance thereof. All Ops functions including Execution & Risk Monitoring, Internal Reporting, LOD1 for Market Surveillance & Regulatory reporting, Controls and governance and User Acceptance Testing.

Our ideal candidate should have good organizational skills, be able to adapt quickly and can handle sensitive information confidentially.

Desired personal traits include good people skills, collaborative, hands-on, able to work in fast-paced environment with a can-do mindset.

Requirements:

• Min. 3 years of Finanical Services/ Digital Products Sales service experience, preferably within a fintech or financial services environment
• This is individual contributor role and Training will be provided.
• Bilingual with good communication skills, comfortable communicating to both internal departments and external partners and clients.
• Self-motivated and result-oriented with good analytical, problem-solving
• Adaptable, committed and detailed-oriented with willingness to learn and innovate
• strong work ethics, including the ability to speak up and raise important points to management’s attention.
• Experienced with Microsoft word, Microsoft Excel (Simple functions)
• Experience in programming (Python, VBA or other languages) is plus/ with willingness to learn

Audit Associate

Location: Tanjong Pagar
Working Days: 5 days
Working hours : 9 a.m to 6 p.m
Salary : Up to $4000

Job Scope

• Handling of accounting
• Accounting files and financial statements
• Carrying out audit process

Requirement

• At least Diploma
• 1-3 years accounts prefer with some audit experience

Interested personnel kindly contact WhatsApp: https://wa.me/6592994753 (Marcus)

Tan Meng Liang Reg No: R23115923

The Supreme HR Advisory Pte Ltd EA No: 14C7279

JOIN OUR GROWING TEAM! We put our people first, meaning to say, your professional and personal growth is our priority. As our services is high on demand right now, we are looking out for great talents to be part of the team.

Responsibilities:
• Provides excellent customer service while handling clients’ project
• Assist in providing marketing strategies to enhance clients’ brand awareness and increase their revenue
• Have a great personality and able to conduct simple presentation on behalf of our clients
• Network with industry experts to drive brand awareness

Benefits:
• Mentorship is key, we hand groomed every single talent here
• Great environment, positive & empowering team
• Travelling opportunities to our regional counterparts

Requirements:
• Ability to set and maintain high standards of professionalism, work ethics and integrity
• Good team player and enjoys interactions with people
• Great work ethics and willing to learn
• Leadership potential and ready to take on challenges

Click Apply Now to be part of a growing team.

Responsibilities:

• Event Management: Plan and coordinate all aspects of events, from pre-event preparation to on-site execution and post-event wrap-up. You'll ensure everything runs smoothly.
• Logistics Coordination: Manage all logistical aspects, including transportation, equipment rentals, and on-site setup and dismantling. You'll keep everything moving seamlessly.
• Vendor Oversight: Work with various vendors and logistic agencies to ensure quality and timelines are met. Build and maintain strong relationships while negotiating costs.
• Production Supervision: Oversee production from start to finish, ensuring quality and safety throughout the process.
• Technical Support: Handle technical requirements, including audio, video, lighting, and electrical setups.
• Problem-Solving: Address any issues that arise during event setup and execution, providing swift and effective solutions.
• Team Collaboration: Liaise with internal teams in projects and design divisions to ensure smooth event coordination.
• Safety Compliance: Coordinate risk assessments, safety regulations, and process management documentation.

Requirements:

• Experience in event operation.
• Willing to work on weekend.
• Familiarity with tools such as Microsoft Office Suite, Google Workspace (Docs, Sheets, Slides), and virtual meeting platforms like Zoom.
• Comfortable working outdoors and performing physical tasks, even in challenging weather conditions.
• Enjoys engaging with clients and team members, excelling in event coordination and hands-on activities.

EA Personnel Name: Jackie Ng
EA Personnel No: R22109024
EA License No: 95C5411

COMPANY DESCRIPTION

An integral part of Singapore's "City in a Garden" vision, Gardens by the Bay spans a total of 101 hectares of prime land at the heart of Singapore's new downtown Marina Bay. Comprising three waterfront gardens Bay South, Bay East and Bay Central Gardens by the Bay will be a showcase of horticulture and garden artistry that will bring the world of plants to Singapore and present Singapore to the World. We have career opportunities for the following and we would like to invite suitably qualified candidates to join us.

RESPONSIBILITIES

You will work as a team for the daily cafe operations which includes orders' taking, preparation and serving of food as well as cashiering duties. You will be responsible for simple cooking, proper kitchen housekeeping and compliance to health codes and sanitation standards. You will also handle inventory management including purchasing of supplies and receiving deliveries.

• Minimum GCE ‘N' Level
• Candidates with cafe operations and cashiering experience are preferred
• Friendly and service oriented
• Willing to work on weekends, public holidays and rotating shifts

KPMG has a strong SAP Digital Transformation team in this region, and we are assisting several clients with End-to-End business transformation initiatives enabled by SAP solutions. Our practice is further expanding, and we are currently seeking a Senior SAP FICO Consultant + Solution Architect to join our team. You are responsible to be leading the design and implementation of SAP solutions to meet the client’s business needs. You will be expected to understand business requirements and translate them into technical solutions using SAP technologies. This position is based in Singapore.

Responsibilities:

• Lead the design and architecture of SAP solutions, ensuring alignment with business objectives
• Develop technical specifications and design documents for SAP projects, including customizations and integrations
• Lead and mentor SAP development teams, providing technical leadership and support throughout the project lifecycle
• Contribute to SAP solutioning in pre-sales and project phases
• Engage with customers for scoping and requirements
• Support proposal preparation, analyse customer needs, and independently manage client relationships
• Take charge of proposals, ensuring alignment with sales strategy
• Communicates effectively with stakeholders and team members
• Builds a close working relationship with clients to enhance the image of the KPMG

The ideal candidate should possess:

• Bachelor's degree from an accredited college or university is preferred
• Minimum of 12-15 years of SAP solution architect experience
• Experience in ECC to SAP S4 Hana migration
• Experience in leading BPR or Blueprint design – not just team lead role
• Deep functional domains knowledge in SAP FICO
• Functional experience in SAP FICO
• Proven track record of successfully leading SAP implementation or migration projects
• Ability to understand business processes from a customer perspective
• Self-motivated and have the ability to deliver results and meet timelines with minimal direct supervision
• Ability to effectively develop presentations and present ideas and proposals to all levels of management
• Excellent verbal/written communication, collaboration, analytical and presentation skills

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

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

COMPANY DESCRIPTION

An integral part of Singapore's "City in a Garden" vision, Gardens by the Bay spans a total of 101 hectares of prime land at the heart of Singapore's new downtown Marina Bay. Comprising three waterfront gardens Bay South, Bay East and Bay Central Gardens by the Bay will be a showcase of horticulture and garden artistry that will bring the world of plants to Singapore and present Singapore to the World. We have career opportunities for the following and we would like to invite suitably qualified candidates to join us.

RESPONSIBILITIES

You will work as a team to handle outdoor sales by driving the buggy around Gardens by the Bay and sell various types of snacks and cold beverages. You will perform cashiering duties, inventory management, replenish products on shelves as well as perform daily housekeeping. In addition, you will attend to customers' needs and enquiries and collate feedback on products and services. You will also be required to attend to any other job functions as we may assign from time to time.

• Minimum GCE ‘N' Level
• Candidates with sales / retail experience are preferred
• Friendly and service oriented
• Willing to work on weekends, public holidays and rotating shifts
• Minimum Class 3 driving license

About the role

The Assistant Manager will provide HR support and guidance to management and employees, focusing on employee relations, performance management, and recruitment.

This role will be based in the West region and will cover a 6-month maternity leave.

Responsibilities:

HR Partnership

• Partner and engage stakeholders and employees in a proactive and consultative approach on a full spectrum of HR functions, including talent acquisition, performance management and development
• Provide professional advice on the interpretation of HR policies and procedures, employment legislation, performance management, recruitment and rewards strategies
• Partner with HR Centre of Excellence and relevant key stakeholders in the delivery of key HR projects such as performance management and promotional exercises
• Partner with the Management in analyzing and identifying issues and providing recommendations on HR solutions.

HR Policies, Processes and Systems

• Initiate improvements to internal HR processes, systems and communications towards enhancing service experience.
• Educate People Managers and employees on policy/system changes and implications, as well as understand and gather their feedback and input.

Operational Excellence and Support on Faculty Affairs

• Engage in manpower planning and projection of faculty and work with Finance Business Partners and HODs on manpower projections, budget and costings.
• Establish clear understanding of the recruitment needs and work closely with the Shared Services team and hiring managers to hire the appropriate talent on a timely basis
• Plan and manage faculty re-appointment, post-retirement, re-employment, Promotion and Tenure (PT) and Educator & Practice Track Promotion Exercise (EPPE) for various faculty tracks
• Assist in planning and implementing faculty performance appraisal exercise
• Support in the conceptualization and implementation of faculty development initiatives
• Manage onboarding and off-boarding matters
• Provide support on disciplinary or grievances matters
• Drive key employee initiatives such as awards and welfare matters
• Any other duties as assigned

Requirements

• Degree with minimum 3 years of relevant HR working experience
• Good knowledge of Employment Act and Work Pass regulations
• Able to multi-task and prioritize effectively
• Outstanding attention to detail, follow-up and organizational skills
• Good communication skills both written and verbal
• Able to build and maintain effective interpersonal relationships at all levels; handle sensitive matters with tact and discretion, while building trust and upholding confidentiality
• Proficient in MS Office Applications (Word, PowerPoint, Excel)

**We regret that only shortlisted candidates will be notified**

Interested candidates, please click on the following link to begin your job search journey and submit your curriculum vitae (CV) directly through the official PERSOLKELLY job application platform - GO. https://go.persolkelly.com/job/apply/10159

By sending us your personal data and CV, you are deemed to consent to PERSOLKELLY Singapore Pte Ltd and its affiliates to collect, use and disclose your personal data for account creation in GO and the purposes set out in the Privacy Policy https://www.persolkelly.com.sg/policies. You acknowledge that you have read, understood, and agree with GO’s Terms of Use https://go.persolkelly.com/Tac and the Privacy Policy. If you wish to withdraw your consent, please email us at [email protected]. Please feel free to contact us if you have any queries.

EA License No: 01C4394

EA Personnel ID: R1108331

EA Personnel Name: Janelle Katherine Hoeden

At EY, you’ll have the chance to build a career as unique as you are, with the global scale, support, inclusive culture and technology to become the best version of you. And we’re counting on your unique voice and perspective to help EY become even better, too.

The opportunity

Our Financial Services Transaction Diligence team aims to assist clients throughout the entire transaction process, and works closely with other specialists both within TAS and other Service Lines. Whilst traditional financial due diligence is a key element of our work, transaction support is much broader, incorporating assistance with strategic assessment, transaction management, negotiation and documentation, and post-completion processes.

Typically, you will analyse the financial results of financial services companies (e.g. banks, insurers, asset manager and FinTechs) targeted for sale by reviewing financial information and participating in interviews with key management of the company. You will work effectively as a team member by demonstrating your commitment to quality, sharing responsibility, providing support, maintaining communication and updating senior team members on progress. You will work on opportunities across ASEAN and occasionally across APAC.

You will also help to create a positive learning culture for junior team members and support their development. And as part of your role in the wider team, you will have a role to play in other team initiatives – for example, account management and recruitment of new teammates.

Your key responsibilities

• Understand the key business drivers, co-developing our approach with the client, agreeing value measurements with the client, providing value to the client through insights, factual conclusions and advice
• Gather, verify and analyse information, and formulate views
• Plan, prepare and review deliverables in various forms including excel databooks, written reports, presentations and discussions with the client
• Understand the capabilities of the firm and look for opportunities to sell additional services to our clients
• Work closely with all members as well as forming strong internal links within transaction support and other departments in EY both in the ASEAN and Asia-pacific to form multi-disciplinary teams

Skills and attributes for success

• Demonstrate a keen interest in the financial services sector
• Excellent analytical, report-writing and interpersonal abilities
• Ability to work well within a team
• Strong work initiative and the ability to adapt to new challenges and ideas

To qualify for the role you must have

• Bachelor's degree with minimum 3 years of relevant work experience
• Chartered Accountant or equivalent qualified
• Commercial awareness gained through direct experience of the financial services sector (either from within an Audit or Transaction Support role)
• Strong academic record
• Effective written and verbal communication
• Strong word, excel and PowerPoint skills

Ideally, you also have

• A proven record of excellence in a merger integration, acquisitions, divestitures, carve outs
• Experience gained within another large professional services organization covering the Financial Services industry

What we offer

• Continuous learning: You’ll develop the mindset and skills to navigate whatever comes next.
• Success as defined by you: We’ll provide the tools and flexibility, so you can make a meaningful impact, your way.
• Transformative leadership: We’ll give you the insights, coaching and confidence to be the leader the world needs.
• Diverse and inclusive culture: You’ll be embraced for who you are and empowered to use your voice to help others find theirs.

If you can demonstrate that you meet the criteria above, please contact us as soon as possible.

Apply now.

At EY, you’ll have the chance to build a career as unique as you are, with the global scale, support, inclusive culture and technology to become the best version of you. And we’re counting on your unique voice and perspective to help EY become even better, too.

The opportunity

We have an exciting opportunity for a Senior Associate to join our Valuations, Modelling & Economics team, focused on Financial Services sector, within Strategy and Transactions service line in Singapore.

We work across financial services sector (fintech, digital banking, traditional banking, insurtech and insurance, wealth & asset management) and operate in a broad range of disciplines including:

• M&A and fundraising valuation diligence
• Financial modelling for M&A and market entry (JV, greenfield, etc.)
• Valuation for financial reporting
• Financial modelling for FP&A (business forecasting and planning)
• Data analytics and visualization
• Other, bespoke model development

Your key responsibilities

• Have a primary focus on valuation and financial modelling to deliver projects for financial service sector clients throughout Asia
• Advise clients on M&A deals and strategic corporate finance issues
• Create and present insightful and compelling management presentations and valuation reports
• Use data analysis to address complex corporate finance and strategy problems
• Be a part of project teams comprising of colleagues from different competencies (Strategy, Transaction Strategy Execution, Transaction Diligence, Business Consulting)
• Build strong working relationships with senior clients, including influence, advice and support to key decision makers
• As part of your career development, you will: participate in sales opportunities with senior team members and clients; assist in preparing proposal documents; be supported in building client relationships at all levels

Skills and attributes for success

• Critical thinking, combined with strong numerical and analytical skills
• Prior valuation knowledge with proven ability to deliver business valuations
• Financial modelling mindset to be able to structure and develop complex but easy to use financial models
• Strong interpersonal and communications skills
• Commitment, grit and ability to work in a fast-paced/ investment environment

To qualify for the role you must have

• A Bachelor's or Master’s degree in Accounting, Business, Finance, Economics, Data Science, Engineering, or Mathematics
• At least 3 years of relevant work experience in the fields of Valuation and Financial Modelling
• Highly effective written and verbal communication skills
• Good knowledge of valuation methods and concepts (deal valuation - DCF, DDM, Market Approach)
• Ability to read and understand financial statements
• Ability to quickly create high-quality financial models (e.g., cash flow, integrated financial statement, operational and decision support models) using best practice techniques and applying sound commercial judgment
• A strong work ethic and the ability to adapt to new challenges in a collaborative team environment

Ideally, you also have (or are pursuing)

• CA/CPA or CFA
• Experience in mergers, acquisitions, divestitures, carve outs
• Experience gained within another large professional services organization
• Established networking skills in a relevant industry

What we look for

Highly motivated individuals with excellent problem-solving skills and the ability to prioritize shifting workloads in a rapidly changing industry. An effective communicator, you’ll be a confident team player that collaborates with people from various teams while looking to develop your career in a dynamic organization.

What we offer

• Continuous learning: You’ll develop the mindset and skills to navigate whatever comes next.
• Success as defined by you: We’ll provide the tools and flexibility, so you can make a meaningful impact, your way.
• Transformative leadership: We’ll give you the insights, coaching and confidence to be the leader the world needs.
• Diverse and inclusive culture: You’ll be embraced for who you are and empowered to use your voice to help others find theirs.

If you can demonstrate that you meet the criteria above, please contact us as soon as possible.

Apply now.

Purpose of the Role

You will be a part of the Asian Investment Banking Division (“AIBD”) that sits in the front line, responsible for the promotion of Corporate & Investment Banking (“CIB”) products and services in the Asia and Oceania region, covering both Global Corporates and Japanese Corporates. The Portfolio Management Department is a key function in AIBD that takes over the management of structured loans originated in AIBD, including real estate, oil and gas, infrastructure, renewables, energy and utilities, to monitor and enhance the credit quality of the portfolio through direct engagement of external and internal stakeholders and through credit risk assessment and support.

Your role will entail managing a portfolio of structured finance assets across Asia originated in Project Finance (power, natural resources, and infrastructure) and Shipping Finance. A key objective of the role is to provide strategic insight to the portfolio as first line of defence.

Job Responsibilities:

You will play an important role in our team by taking on responsibilities that include (but are not limited to):

Client Management and Strategy

• Active management of the overall risk profile of assets throughout project life, including ongoing monitoring of client and project conditions, proactive risk identification, recommendation of risk mitigants, and Management reporting.
• Implementation of solutions through stakeholder negotiations with clients, bank syndicates, external specialist advisors and internal stakeholders, including negotiation of waiver terms and amendment documents.
• Co-work with Origination team in the arrangement of refinancing transaction (where required), such as deal execution, negotiation, documentation review.
• Support the execution of stressed transactions.
• Maintenance of good client relationships through regular direct contact with clients to represent the business objectives to resolve issues while managing customer needs.

Portfolio Management, Credit Risk Analysis and Reporting

• Work on portfolio strategies, including the performance of stress testing, sector analysis and other portfolio analysis.
• Assessment and execution of secondary loan sales in collaboration with the MUFG Distribution Team.
• Preparation and oversight of borrower rating, credit applications and reviews, including preparing financial models, quantitative and qualitative analysis.
• Preparation and oversight of Management, Head Office and Regulatory Reporting.
• Preparation and coordination of internal and external audits, and inspections.

Strategic Initiatives

• Implementation of strategic initiatives, including enhancements to the credit monitoring process to improve business efficiency.
• Supporting the Head of Department in overall management of the portfolio and sector coverage.

Job Requirements

• Degree qualified.
• Minimum of 6 years’ experience in credit analysis, credit writing in project financing or similar structured product financing.
• Related experience in credit analysis, credit writing, recommendation to credit committee or being a credit approver would be advantageous.
• Candidates with experience should possess good understanding of banking products, credit risk, financial analysis, critical and data analysis, impact sensitivity studies, cashflow or financial modelling, options analysis, financing documentation and legal considerations.
• Good technical skills (including Excel proficiency), a strategic mindset and business acumen.
• Good organisation skills and attention to detail and accuracy.
• Good communication and writing skills.
• Proactive, resourceful and a good team player, with ability to build rapport with internal and external parties.

We regret to inform that only shortlisted applicants will be notified.

Job ID: 10068023

We are a centrally located boutique recruitment firm experiencing strong growth. As the company scales, we are looking to bring on a Recruitment Consultant who can help support us through the next phase of the growth and development roadmap.

Job Highlights:

• Junior/ Entry (No experience required - Training Provided)

• Senior level positions from various sectors are available

• Convenient location (5 minute to Tanjong Pagar MRT)

• Abundant personal growth and progression opportunities

• Start-up environment, welcoming workplace culture

• Stable Basic Salary + Attractive Incentives

Job Duties:

• An integral role as a recruiter in fulfilling clients' staffing needs.

• Handle full spectrum of recruitment and talent acquisition matters

• Conduct Interviews/phone screening and select potential candidates to meet clients' requirements.

• Coordinate interviews between candidates and clients

• Developing connections and new business and relationship management sources with existing accounts.

• Networking and building relationships with business partners and jobseekers

• Other ad-hoc duties apply

Description / Requirements:

• Minimum Diploma / Degree

• Entry Level to Experienced consultants welcome (Multiple positions)

• Strong passion for recruitment and people-oriented

• Good communication and interpersonal skills

• Comfortable working in a fast-paced environment

• CEI certified would be an advantage

• Self-motivated, proactive personality, willing to work and achieve goals in a team.

Interested candidates who wish to apply for the advertised position, please click APPLY NOW or email an updated copy of your resume/cv.

We regret that only the shortlisted candidates will be notified.

Email Address: [email protected]

About the company

CGS International Securities Pte. Ltd. (CGS International) is an award-winning and market leading integrated financial services provider, ranked among the top securities houses in Asia.

CGS International taps on our wealth of global and ASEAN insights to offer equities trading, leveraged products, wealth management, investment banking, equities research, Shariah-compliant financing, fixed income, currency and commodities, structured products and prime brokerage services in over 15 countries and regions.

Along with its parent organisation China Galaxy Securities, a leading securities house in China, CGS International is trusted by more than 15 million customers globally.

Job Responsibilities:

• Responsible for the management of the Great China futures team, and conducts the promotion and implementation of relevant regulations, procedures, and standard requirements within the department.
• Responsible for assisting and supporting the business operations, and providing targeted solutions to management issues related to team development, strategic planning, optimizing organizational structures, and improving work efficiency.
• Record the revenue and costs of the futures team, analyze the revenue composition and provide conclusion and recommendations
• Responsible for tracking futures industry dynamics and key policies. Understand the new product listing dynamics of major exchange, and organize the China team to carry out the marketing work of new products.
• Planning and collaborating with exchanges or relevant third parties to host marketing events online and offline. Organizing the team to participate in the exchange's marketing activities.

Job Requirement:

• Excellent (verbal and written) Chinese (Mandarin) and English communication skills is required to liaise with our stakeholders in China
• Professional level of other major Asia language is an advantage.
• 5 + years of working experience in financial or marketing
• Experience in high performing teams and institutions is preferred.
• Degree in Finance/Economics/Business or any related degree
• Deep understanding of both Asian and Western mindsets and ways of doing business.
• Demonstrate strong customer-focused qualities and the ability to give excellent client service.
• Good at communication and teamwork. Strong initiative, excellent resource integration ability and business promotion ability.
• Ability to work as a team in a fast paced environment.

Team Summary

The Visa Asia Pacific Legal team manages Visa's legal affairs in the Asia Pacific region. Our team provides advice and services to ensure business goals are successfully met and that Visa's brand and reputation are protected while minimizing legal liability and regulatory risk. Our vision entails each legal professional living the guiding principles to be a proactive partner who never loses sight of his/her responsibility to protect the company.

What a Senior Associate Counsel (Value-Added Services) Asia Pacific in Legal does at Visa:

The position is for a highly motivated and skilled attorney to join Visa's growing legal team. You will be a key regulatory and commercial legal lead supporting the Visa business teams as they expand their value-added services and product offerings to enhance value for traditional bank/FI clients as well as develop new clients/partners/business streams in the evolving payment ecosystem. You will be exposed to a broad range of product and commercial legal work, supporting regulatory reviews and commercial negotiations in the areas of value added services, including digital/tech partnerships, acceptance solutions, and other financial/technology products and services.

You will report to the Vice President Legal (Asia Pacific) and will be expected to work closely and in collaboration with Visa lawyers across geographies and functional support areas, including the Visa lawyers in from the US headquarters and other international offices.

You should have a good working knowledge of laws and regulations applicable to financial, digital and payments services, including payments/FI licensing, data privacy and outsourcing regulatory regimes in Singapore (and preferably, in addition, other jurisdictions in the Asia Pacific) and have experience in conducting and leading regulatory reviews and contractual negotiations.  You should also be well versed in commercial, technology and IP laws, and be able to apply this experience to your role in Visa by being a sound and practical legal advisor to the business.  You must have excellent risk judgment and analytical capability, and be a strong and efficient communicator, with the ability to juggle multiple priorities in a fast paced and challenging, but rewarding, environment. 

In this role, you are expected to:

• Be the lead counsel driving commercial negotiations on both the supply side as well as the client facing side.
• Assist with regulatory consultations/compliance with regulations across the region as applicable to existing or new Visa products/initiatives.
• Assist with regulatory issues relating to products, services or functions.
• Draft, negotiate and drive to completion complex commercial, technology, or strategic partnership agreements in support of business objectives.
• Provide advice and guidance to business and product teams regarding deal structures and key risks and proactively identify and resolve legal issues/risks.
• Travel internationally as needed.
• Possess strong inter-personal skills including the ability to communicate complex legal issues (and relevant solutions/recommendations), clearly and practically to the business.

Why this is important to Visa

The Senior Associate Counsel will play a key role as a trusted advisor to our commercial solutions and products businesses that represent some of the most important pillars of Visa’s future growth and strategy. This role is critical in ensuring that both supply and client facing contracts and negotiations are managed efficiently with relevant stakeholders while enabling our business to innovate and push across new frontiers (particularly in the fast-evolving global payments industry).

The Senior Associate Counsel can look forward to being a key representative of a high performing Legal team in advising and managing projects that drive innovation and development within the payments industry.

Projects you will be a part of:

You will be a member of a regional legal team that works at the cutting edge of new payment technologies, innovation and the fintech industry in an increasingly regulated environment, which brings unique and novel challenges in the commercial/technology law space

This is a hybrid position. Hybrid employees can alternate time between both remote and office. Employees in hybrid roles are expected to work from the office 2-3 set days a week (determined by leadership/site), with a general guidepost of being in the office 50% or more of the time based on business needs.