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2.0 - 4.0 years
2 - 3 Lacs
sambhal, shrawasti, bareilly
Work from Office
Making new dealer and distributor of inverter, battery and solar panel, Taking care of old dealer and distributor, Channel sale experience in electronics
Posted 1 week ago
2.0 - 5.0 years
2 - 4 Lacs
etah
Work from Office
Role & responsibilities: Physical PD Visits, Credit Analysis, Credit appraisal, Underwriting, Communication, Field work Preferred candidate profile: Having proper knowledge of underwriting, Product: Personal loan, Graduation is mandatory, Age : upto 31
Posted 1 week ago
1.0 - 6.0 years
5 - 6 Lacs
etah, agra, moradabad
Work from Office
Collections Executive Manager TWO-WHEELER Graduate with 1–6 Years exp. in Vehicle Finance/Auto Loan collections. Handle 2W & Auto Loan, recovery, hard bucket cases & agency ops. CTC: 6.4 LPA + 1.4 LPA Variable. Age- Max. 30 Yrs Good Comm. Skills.
Posted 2 weeks ago
0.0 - 5.0 years
1 - 6 Lacs
chitrakoot, chandauli, bulandshahr
Hybrid
WORK FROM HOME (WFH) Full Time / Part Time / Freelancers / Students / House-wives all Welcome, Freshers Welcome, WhatsApp @ 8882847787 (Harshit), Insta ID: StarturLife_official . Required Candidate profile . WORK FROM HOME (WFH) Full Time / Part Time / Freelancers / Students / House-wives all Welcome, Freshers Welcome, WhatsApp @ 8882847787 (Harshit), Insta ID: StarturLife_official . Perks and benefits Very Good Incentives...
Posted 2 weeks ago
0.0 - 3.0 years
2 - 3 Lacs
etah, dhanbad, amethi
Work from Office
FREE JOB | FREE JOB Kalyani Forge Pvt Ltd Location : Sanaswadi (Pune) (Shikrapur, Hadapsar, Yerwada, Wagholi) Qualification : 10th, 12th - Rs.16000/- ITI - Rs.16000/- Any Diploma /Any Graduate, BSC, BA, B.Com - Rs.17000/- BE | B.Tech - Rs.17500/- Facility : Bus & Canteen Facility 8 Hours Shift Male Only Diploma, & Graduation. Extra Overtime 2 Vaccination Dose Compulsory Contact Number Hr Hanumant Sir- 9096729689 Hr.Akshay Sir - 9226569240 Interview Address Sanaswadi (Pune)
Posted 2 weeks ago
0.0 years
0 Lacs
etah, uttar pradesh, india
On-site
Job Description 10563 To ensure the achievement of disbursement targets with minimum delinquency Identifying Joint liability Groups & disbursed loans, to suit the target customers and geographies. Enabling business growth by developing and managing a teams across assigned territories for deeper market penetration and reach. Assess potential client base and product acceptability in new regions, areas & opportunities for geographical expansion of operational areas. Disbursement, repayment and delinquency management, achieving daily / weekly collections targets Makes a close follow up of the disbursed loans, especially of the ones not paying on time. Undertake regular field visits, Centre Meeting and loan applicants Maintaining portfolio quality by tracking & controlling Normal dues, Nonstarters, Delinquency, & Frauds. Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensuring weekly / daily meetings & visit to centre Fresher to maximum of 5yrs exp + as a sales officer in microfinance business Basic understanding about Microfinance business and JLG model working would be preferred. Key Skills Relationship management, Business sourcing Flair for sales Understand critical attributes of customer service Education Graduate in any discipline
Posted 2 weeks ago
2.0 - 7.0 years
4 - 7 Lacs
etah, agra, moradabad
Work from Office
Allocation of portfolio to vendor basis the past performance trend and FOS availability. Coordinating with agency resources and doing the call planning for better resolution, ensuring appropriate support to the agency on difficult cases.
Posted 2 weeks ago
5.0 - 9.0 years
0 Lacs
etah, uttar pradesh
On-site
You will be working as a CCR Operator in a full-time on-site role at Doosan Power System India Private Limited located in Jawaharpur, Etah. Your primary responsibility will be the continuous monitoring and operation of equipment and systems in the Control Room. As a CCR Operator, you will need to have a Degree (BE/B-Tech) qualification. Moreover, you should possess experience in plant operations, process control, and troubleshooting. A good understanding of coal-fired power plant processes and safety standards is essential. You must also be proficient in control systems and plant monitoring tools. Effective teamwork and clear communication skills are important in this role. Strong analytical skills, relevant technical qualifications or certifications in process control or plant operations, and previous experience in a similar role would be advantageous. Candidates with hands-on working experience in plants similar to 660MW capacity or above 500MW are preferred. If you are interested in this position, please share your updated CV with: - mohamad.shamsher@doosan.com - amit.kumar11@doosan.com,
Posted 2 weeks ago
3.0 - 8.0 years
4 - 8 Lacs
etah
Work from Office
should be able to teach subjects for PGT & TGT level students, able to conduct all the co-curricular activities assigned & able to conduct all the academic activities like Notebook correction, assessing students, conducting remedial teaching. Required Candidate profile Strong knowledge of Subjects & ability to teach classes with good School Experience .Must have a clear understanding of teaching and learning with excellent communication skills. Perks and benefits hike on current salary+ HRA
Posted 2 weeks ago
10.0 - 20.0 years
10 - 18 Lacs
etah
Work from Office
Principal for CBSE Senior Secondary Schools in Etah Agra Rudrapur, Should be responsible for day to day academics Administrative work .Must have good knowledge about CBSE schools. Send cvs at info@smsconsultants.org with current ctc details Required Candidate profile Master Degree+ B.Ed with at Least 8 to 10 years as Principal of a K 12 School (preferably affiliated to CBSE and an International Board) a residential School. Female Candidates Perks and benefits Hike on salary + Accommodation / HRA
Posted 2 weeks ago
1.0 - 6.0 years
5 - 6 Lacs
bareilly, haldwani, etah
Work from Office
Collections Executive Manager TWO-WHEELER Graduate with 1–6 Years exp. in Vehicle Finance/Auto Loan collections. Handle 2W & Auto Loan, recovery, hard bucket cases & agency ops. CTC: 6.4 LPA + 1.4 LPA Variable. Age- Max. 30 Yrs Good Comm. Skills.
Posted 2 weeks ago
0 years
0 Lacs
etah, uttar pradesh, india
On-site
Online Data Analyst - Urdu (IN) Job Description : Are you a detail-oriented individual with a passion for research and a good understanding of national and local geography? This freelance opportunity allows you to work at your own pace and from the comfort of your own hom e. A Day in the Life of an Online Data Analyst: In this role, you will be working on a project aimed at enhancing the content and quality of digital maps that are used by millions of people worldwide Completing research and evaluation tasks in a web-based environment such as verifying and comparing data, and determining the relevance and accuracy of information. Join us today and be part of a dynamic and innovative team that is making a difference in the world! TELUS Digital AI Community Our global AI Community is a vibrant network of 1 million+ contributors from diverse backgrounds who help our customers collect, enhance, train, translate, and localize content to build better AI models. Become part of our growing community and make an impact supporting the machine learning models of some of the world’s largest brands. Qualification Path: No previous professional experience is required to apply to this role, however, working on this project will require you to pass the basic requirements and go through a standard assessment process. This is a part-time long-term project and your work will be subject to our standard quality assurance checks during the term of this agreement. Basic Requirements Reading and Writing proficiency in Urdu & basic English proficiency Being a resident in India for the last 2 consecutive years and having familiarity with current and historical business, media, sport, news, social media, and cultural affairs in India Ability to follow guidelines and conduct online research using search engines, online maps, and website information Flexibility to work across a diverse set of task types, including maps, news, audio tasks, and relevance Daily access to a broadband internet connection, computer, and relevant software Assessment: In order to be hired into the program, you’ll take an open book qualification exam that will determine your suitability for the position and complete ID verification. Our team will provide you with guidelines and learning materials before your qualification exam. You will be required to complete the exam in a specific timeframe but at your convenience. Equal Opportunity All qualified applicants will receive consideration for a contractual relationship without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status. At TELUS Digital AI, we are proud to offer equal opportunities and are committed to creating a diverse and inclusive community. All aspects of selection are based on applicants’ qualifications, merits, competence, and performance without regard to any characteristic related to diversity.
Posted 3 weeks ago
1.0 - 6.0 years
5 - 6 Lacs
bareilly, haldwani, etah
Work from Office
Collections Executive Manager TWO-WHEELER Graduate with 1–6 Years exp. in Vehicle Finance/Auto Loan collections. Handle 2W & Auto Loan, recovery, hard bucket cases & agency ops. CTC: 6.4 LPA + 1.4 LPA Variable. Age- Max. 30 Yrs Good Comm. Skills.
Posted 3 weeks ago
1.0 - 2.0 years
3 - 6 Lacs
etah
On-site
MicrofinanceJalesar MFI Posted On 20 Aug 2025 End Date 20 Aug 2026 Required Experience 1 - 2 Years BASIC SECTION Job Level GB01 Job Title Centre Manager - Microfinance, MFI North, Sales Job Location Country India State UTTAR PRADESH Region North City Etah Location Name Jalesar MFI Tier Tier 3 Skills SKILL SALES COLLECTION PEOPLE DEVELOPMENT CUSTOMER IDENTIFICATION & ACQUISITION OBJECTION & GRIEVANCE HANDLING TARGET DELIVERY TECH ORIENTATION Minimum Qualification OTHERS JOB DESCRIPTION Job Purpose Responsible for doing Sales & Collection for Microfinance JLG Customers, as per laid out polices of the company. Ensuring qualitative Microfinance sourcing by conducting village surveys, CGT, house verification and income assessment, ensure collections and recoveries are done as per the Group/Centre meeting schedule. Maintain Healthy Customer Relationships on ground in the location. Duties and Responsibilities •Conduct village surveys and do prospecting in selected villages, explain BFL MFI JLG product offerings to all who attend prospecting briefing. •Source New Customers in the locations allocated, form JLG groups and promote financial literacy amongst potential borrowers. •Collect all information needed for sourcing, data entry / upload and/or validate documents on LOS, follow entire sourcing process as defined in SOP.•Coordinate with BM for required approvals and Credit Ops officer at branch for disbursements as per process. •Plan Centre Meetings of customers and notify customers in advance of the schedule, ensure 100% participation of borrowers in the centre meetings. Resolve customer queries and promote top ups / cross sell as defined for the branch. Manage a portfolio of 450 – 500 customers.•Ensure collections are done from Customers as per scheduled centre meeting days, ensure 100% deposition of recovery done in defined points of disposition as per SOP. •Carry out end use monitoring of loans as per the process.•Maintain Healthy and cordial relationship with all potential and existing borrowers, ensure 100% compliance and good conduct on all SOPs and practices as defined in the branch operating model. •Create a daily report of tasks planned and executed and submit to Branch Manager. •Ensure recovery disposition reconciliation is done with Credit and Ops Officer as per schedule. •Ensuring critical parameters like lead to login are executed as per matrix. •Maintain Centre meeting discipline, follow SOPs and code of conduct. Required Qualifications and Experience Graduation / Undergraduate1-2 years in Microfinance JLG business
Posted 3 weeks ago
1.0 - 2.0 years
0 Lacs
etah, uttar pradesh, india
On-site
Location Name: Jalesar MFI Job Purpose Responsible for doing Sales & Collection for Microfinance JLG Customers, as per laid out polices of the company. Ensuring qualitative Microfinance sourcing by conducting village surveys, CGT, house verification and income assessment, ensure collections and recoveries are done as per the Group/Centre meeting schedule. Maintain Healthy Customer Relationships on ground in the location. Duties And Responsibilities Conduct village surveys and do prospecting in selected villages, explain BFL MFI JLG product offerings to all who attend prospecting briefing. Source New Customers in the locations allocated, form JLG groups and promote financial literacy amongst potential borrowers. Collect all information needed for sourcing, data entry / upload and/or validate documents on LOS, follow entire sourcing process as defined in SOP. Coordinate with BM for required approvals and Credit Ops officer at branch for disbursements as per process. Plan Centre Meetings of customers and notify customers in advance of the schedule, ensure 100% participation of borrowers in the centre meetings. Resolve customer queries and promote top ups / cross sell as defined for the branch. Manage a portfolio of 450 – 500 customers. Ensure collections are done from Customers as per scheduled centre meeting days, ensure 100% deposition of recovery done in defined points of disposition as per SOP. Carry out end use monitoring of loans as per the process. Maintain Healthy and cordial relationship with all potential and existing borrowers, ensure 100% compliance and good conduct on all SOPs and practices as defined in the branch operating model. Create a daily report of tasks planned and executed and submit to Branch Manager. Ensure recovery disposition reconciliation is done with Credit and Ops Officer as per schedule. Ensuring critical parameters like lead to login are executed as per matrix. Maintain Centre meeting discipline, follow SOPs and code of conduct. Required Qualifications And Experience Graduation / Undergraduate1-2 years in Microfinance JLG business
Posted 3 weeks ago
1.0 - 31.0 years
1 - 2 Lacs
etah
On-site
Posted 3 weeks ago
2.0 - 6.0 years
0 Lacs
etah, uttar pradesh
On-site
The Account Manager position is a full-time on-site role located in Etah. As an Account Manager, you will be responsible for managing client accounts, building and maintaining relationships with clients, acting as a key point of contact for clients, and ensuring that clients" needs are met promptly and effectively. Your day-to-day responsibilities will include preparing and presenting reports, overseeing projects to ensure client satisfaction, resolving any issues that may arise, and maintaining regular communication with clients to provide updates and feedback. Additionally, you will collaborate with internal teams to develop strategies aimed at enhancing client satisfaction and driving business growth. The ideal candidate for this role should possess strong client relationship management, communication, and customer service skills. You should also demonstrate proficiency in project management, organizational abilities, problem-solving, and conflict resolution skills. Data analysis and reporting skills are crucial for this position. The ability to work both independently and as part of a team is essential. Previous experience in the fertilizer or agriculture industry would be advantageous. A Bachelor's degree in Business Administration, Marketing, or a related field is required. Excellent written and verbal communication skills, as well as proficiency in Microsoft Office and CRM software, are also necessary for success in this role.,
Posted 4 weeks ago
1.0 - 6.0 years
2 - 5 Lacs
Etah, Farrukhabad, Ambedkar Nagar
Hybrid
Role & responsibilities J ob Title: Relationship Manager / Senior Relationship Manager Department: Sales Agency Channel (Motor Insurance) Employment Type: Hybrid (Field Sales/ Office) Industry: Insurance Apply Now Email your CV to: nehaljain@pbpartners.com, 7303011352 Multiple Locations - Etah, Ambedkar Nagar, Farrukhbad Job Summary: We are actively seeking energetic and performance-driven Relationship Managers / Senior Relationship Managers to join our team across various locations in India. This role involves recruiting and managing insurance agents, driving field sales, and building strong customer and channel relationships. Ideal candidates will have hands-on experience in field sales or agency channel management within Motor Insurance . Key Responsibilities: Agent Recruitment & Development: Identify, recruit, and onboard qualified life insurance agents to build a high-performing agency network. Field Sales Management: Conduct regular field visits, joint calls, and client meetings with agents to support them in achieving their sales targets. Sales Target Achievement: Drive monthly, quarterly, and annual business targets through effective field sales strategies and agent support. Performance Monitoring & Coaching: Track agent performance, provide constructive feedback, and conduct coaching sessions to improve productivity. Customer Engagement & Retention: Ensure high levels of customer satisfaction and drive policy renewals and persistency. Training & Development: Organize training programs to enhance product knowledge, selling skills, and regulatory awareness among agents. Market Intelligence: Stay informed about market trends, competitor activities, and changing customer preferences to adjust sales strategies. Compliance & Reporting: Maintain accurate documentation and submit regular reports as per company standards and regulatory requirements. Preferred Candidate Profile: Experience: Minimum 1 year of experience in motor insurance sales , preferably through the agency channel or field sales . Education: Graduate in any discipline (Bachelors degree preferred). Language Skills: Proficiency in English and the local language(s). Other Requirements: Agency Development & Channel Management Insurance Product Knowledge Field Sales & Lead Generation Team Leadership & Agent Training Target Achievement & Business Planning Customer Relationship Management Why Join Us? Competitive compensation and performance incentives Career advancement opportunities within a growing organization Exposure to a dynamic and supportive work culture Ongoing training and development programs
Posted 1 month ago
1.0 - 6.0 years
1 - 5 Lacs
Etah, Agra, Aligarh
Hybrid
J ob Title: Relationship Manager / Senior Relationship Manager Department: Insurance Sales Agency Channel ( Motor Insurance) Employment Type: Hybrid(Field Sales / office) Industry: Insurance (Motor) Apply Now Email your CV to: ankitakumari1@pbpartner.com or 9871192182 Job Summary: We are actively seeking energetic and performance-driven Relationship Managers / Senior Relationship Managers to join our team across various locations in India. This role involves recruiting and managing insurance agents, driving field sales, and building strong customer and channel relationships. Ideal candidates will have hands-on experience in field sales or agency channel management within Motor Insurance . Key Responsibilities: Agent Recruitment & Development: Identify, recruit, and onboard qualified life insurance agents to build a high-performing agency network. Field Sales Management: Conduct regular field visits, joint calls, and client meetings with agents to support them in achieving their sales targets. Sales Target Achievement: Drive monthly, quarterly, and annual business targets through effective field sales strategies and agent support. Performance Monitoring & Coaching: Track agent performance, provide constructive feedback, and conduct coaching sessions to improve productivity. Customer Engagement & Retention: Ensure high levels of customer satisfaction and drive policy renewals and persistency. Training & Development: Organize training programs to enhance product knowledge, selling skills, and regulatory awareness among agents. Market Intelligence: Stay informed about market trends, competitor activities, and changing customer preferences to adjust sales strategies. Compliance & Reporting: Maintain accurate documentation and submit regular reports as per company standards and regulatory requirements. Preferred Candidate Profile: Experience: Minimum 1 years of experience in motor insurance sales , preferably through the agency channel or field sales . Education: Graduate in any discipline (Bachelors degree preferred). Language Skills: Proficiency in English and the local language(s). Other Requirements: Agency Development & Channel Management Insurance Product Knowledge ( Motor) Field Sales & Lead Generation Team Leadership & Agent Training Target Achievement & Business Planning Customer Relationship Management Why Join Us? Competitive compensation and performance incentives Career advancement opportunities within a growing organization Exposure to a dynamic and supportive work culture Ongoing training and development programs
Posted 1 month ago
0.0 - 31.0 years
1 - 3 Lacs
Etah
On-site
Responsible for planning & scheduling market visits for lead generation Meeting sales targets of multiple payments solutions such as QR code, Sound Box, EDC/card swipe machine, point of sales software, insurance and other financial products · Deployment of products and articulation of benefits & best practices at client locations Ensuring customer satisfaction leading to higher sales conversions and retention · Gathering consistent feedback from market for existing offerings and insights on competitor · moves as feedback for product enhancements Enable digital payments at unorganised retailers by on-boarding new retailers & make them understand the complete payments acceptance process and its benefits Visit existing merchant and resolve if merchant having any issue Fresher candidates with good sales acumen are welcome for the profile.
Posted 1 month ago
1.0 - 5.0 years
3 - 5 Lacs
Etah
Work from Office
Key Responsibilities: Promote and sell home loan products to prospective customers. Generate leads through various channels and follow up for conversions. Maintain regular follow-ups with customers and provide end-to-end assistance. Coordinate with internal teams for application processing and documentation. Handle basic customer queries and support walk-in customers. Responsible for meeting monthly sales targets. Min.1 years experience in sales job, freshers can also apply who want to start a career in Sales, 50% Sales and 50% Office Job, Team handling. min 1 yr Direct selling, Insurance, Banking, Home Loan, Mortgage, Freshers also apply
Posted 1 month ago
0 years
0 Lacs
Etah, Uttar Pradesh, India
On-site
We are looking for a competent Construction Foreman to coordinate operations and oversee workers at construction sites. As the point of reference of both workers and supervisors, you will be a key person for the completion of a project. overseeing construction activities, managing a team of construction workers, and coordinating labor, equipment, and materials. ensuring work is performed safely and according to plans and specifications. Enforcing safety protocols and inspecting work for quality. monitoring progress, budgets, and timelines. Ensuring efficient use of resources and materials. effectively communicating with project managers, engineers, subcontractors, and other stakeholders. mentoring and guiding construction crews, fostering teamwork, and promoting a positive work environment. identifying and resolving construction challenges and adapting to unexpected situations. This job is provided by Shine.com
Posted 1 month ago
1.0 years
2 - 3 Lacs
Kanpur, Etah, Etawah
Work from Office
Roles and Responsibilities Conduct laboratory tests, including biochemistry, hematology, microbiology, and serology to support medical diagnosis and treatment. Maintain accurate records of test results and ensure compliance with quality control standards. Prepare samples for analysis using various techniques such as DMLT (Diploma in Medical Laboratory Technology). Collaborate with healthcare professionals to provide timely and effective patient care. Participate in continuous professional development to stay updated on latest advancements in lab technology.
Posted 1 month ago
3.0 - 7.0 years
0 Lacs
etah, uttar pradesh
On-site
As an Area Sales Manager at Niva Bupa Health Insurance Company, your primary responsibility is to recruit key advisors, activate agents, train advisors regularly, drive business promotion activities, enable and train individuals on the digital platform, and support advisors in developing business in the local market. You will also be responsible for motivating advisors to achieve rewards and recognition programs, focusing on achieving business goals, driving the digital agenda, and maintaining the quality of business. You will be accountable for owning the business plan for the branch, including top-line and bottom-line targets for the team. It is essential to internalize the management philosophy and business strategy of the company and implement it within the branch. Building and maintaining strong relationships with the existing team of agents, ensuring their engagement, motivation, and productivity, will be a key aspect of the role. You will need to constantly induct, activate, and ensure the productivity of new Agent Advisors. Driving incentive schemes to ensure that the income of Agency managers and Agent Advisors surpass benchmarks is also part of your responsibilities. To be successful in this role, you should hold an MBA in Marketing or PGDM. Your performance will be measured based on metrics such as New GWP, Renewal GWP, Renewal number of cases, active agents and PA, desired product mix, number of new agents, audit findings, employee engagement, and attrition rates. Having a beginner to expert level of functional competencies in convincing skills, continuous learning, technology proficiency, teamwork, problem-solving, analytical skills, compliance, regulatory knowledge, and customer focus is crucial. In addition to the technical requirements, you are expected to exhibit behavioral competencies such as a strategic mindset, entrepreneurship, execution excellence, and the ability to build high-performing teams. Your role will play a significant part in the growth journey of Niva Bupa Health Insurance Company and contribute to achieving the company's ambitious targets while upholding its values and commitment to diversity and inclusion.,
Posted 1 month ago
5.0 - 10.0 years
6 - 12 Lacs
Etah
Work from Office
Role & responsibilities REPORTING: - FUNCTIONAL : Business Head ADMINISTRATIVE : Country Head REPORTEES:- DIRECT: ASMs INDIRECT : Sales Officers KEY SKILS: Leadership, Communication, Strategic Sales Planning, Adaptability and resilience, Building relationships, Negotiation, Analytical and problem-solving, Customer relationship management CO-ORDINATES WITH : Distributors, Channel Partner & All Sales Personal JOB PURPOSE : Strategize coverage and distribution plan for his territory and drive execution of the sales and distribution calendar and agenda daily, weekly, monthly Principal Responsibilities : - 1. Establish coverage, Distribution and Display objectives in line with Business Plan for all ASMs and Sales Officers town wise, distributor wise 2. Establish PJPs for all the Sales officers in your territory with the help of your ASMs 3. Achievement primary and secondary targets town wise and market wise as per the PJPs of all Sales Officer 4. Establish distributor numbers required in each territory and also the infra requirement like investments, vehicles 5. Break their objectives month wise, weekly and day wise and put up a system of reporting accordingly 6. Conduct review meetings for all ASMs on weekly and monthly to track the progress and take corrective action if required. 7. Conduct review meeting for Sales officers once in a week to review their total territory performance and guide them on improvement areas. 8. Implement the agreed training calendar in your region 9. Have a Clear focus on Traditional to build Distribution, Visibility and volumes 10. Regularly up-date your immediate supervisor on all market developments and Opportunities. 11. Work as a profit center Head 12. During your market visit budget some time for channel partner visit to check on house- keeping, review dispatch efficiency etc. Preferred candidate profile Education:(UG - Any Graduate - Any Specialization) AND (PG - MBA/PGDM) KNOWLEDGE IN DEPTH: Team Management Strong understanding of FMCG Markets Perks and benefits Best IN THE Industries
Posted 1 month ago
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