Responsibilities Strategic Account Management: Develop and execute strategic plans to effectively manage and grow our key accounts in the region. Client Relationship Building: Build strong, trusting relationships with key stakeholders within customer organizations, ensuring client satisfaction and long-term retention. Upselling and Cross-Selling: Identify opportunities for upselling and cross-selling our neobanking solutions to maximize the value clients receive. Value Communication: Articulate and demonstrate the value added by OneStack's products to the customer's business. Present data-driven insights to deepen client relationships. Client Feedback: Gather client feedback and insights, providing input to enhance our products and services based on evolving client needs. Collaboration: Work closely with internal teams to deliver tailored solutions that enable customers to realize the full potential of OneStack's neobanking platform. Revenue Responsibility: Take ownership of revenue generation within the territory, with a strong focus on growth accounts. Local Language Proficiency: Effectively communicate and present in the Local language when interacting with clients and stakeholders. (Highly preferred) Willingness to travel in and across the city for up to 10 days a month. Requirements Educational Background: Bachelor's degree in Business, Finance, or a related field. Experience: 2+ years of relevant experience in key account management, preferably in the banking or fintech sector. Local Language Proficiency: Proficient in spoken and written Gujarati/Marathi for effective communication with clients in the region. Sales Proficiency: Demonstrated experience in sales, account planning, and execution. Client-Centric: Strong client relationship-building skills with a focus on customer satisfaction. Results-Driven: Ability to meet and exceed revenue targets and effectively forecast account growth. Team Collaboration: A team player with excellent collaboration skills to work with internal teams. Innovation Enthusiast: A passion for fintech innovation and a commitment to delivering excellence. This job was posted by Pooja Bhavin Sheth from OneStack. Show more Show less
Company: OneStack Solution Pvt. Ltd. About OneStack Solution Pvt. Ltd. :We are a fast-growing fintech company revolutionizing neobanking for India’s cooperative banks and credit societies. Our mission is to empower grassroots financial institutions with cutting-edge digital solutions, driving financial inclusion and operational excellence. As a Senior Sales and Business Development team member, you will be at the forefront of expanding our footprint across cooperative banks and credit societies. This entry-level role is ideal for ambitious MBA graduates who are eager to build a career in fintech and thrive in a dynamic, purpose-driven environment. Key Responsibilities • Identify and onboard cooperative banks and credit societies for neobanking transformation • Conduct market research to uncover new business opportunities and client needs • Build and nurture client relationships through consultative selling and solution-based pitches • Collaborate with internal teams (product, marketing, tech) to tailor offerings for clients • Participate in promotional campaigns, demos, and fintech awareness drives • Maintain accurate records of sales activities and client interactions using CRM tools • Achieve monthly and quarterly business development targets Qualifications • MBA (Sales/Marketing specialization) from a recognized institution • Strong interest in fintech, financial inclusion, and digital transformation • Excellent communication and interpersonal skills • Self-motivated, goal-oriented, and eager to learn • Ability to travel and engage with clients across regions Preferred Skills • Understanding of cooperative banking structures and challenges • Presentation and negotiation skills • Fluency in regional languages is a MUST. What We Offer • Opportunity to work at the intersection of fintech and social impact • Performance-based incentives and career growth pathways • A collaborative, mission-driven work culture
Company: OneStack Solution Pvt. Ltd. About OneStack Solution Pvt. Ltd. :We are a fast-growing fintech company revolutionizing neobanking for India’s cooperative banks and credit societies. Our mission is to empower grassroots financial institutions with cutting-edge digital solutions, driving financial inclusion and operational excellence. As a Senior Sales and Business Development team member, you will be at the forefront of expanding our footprint across cooperative banks and credit societies. This entry-level role is ideal for ambitious MBA graduates who are eager to build a career in fintech and thrive in a dynamic, purpose-driven environment. Key Responsibilities • Identify and onboard cooperative banks and credit societies for neobanking transformation • Conduct market research to uncover new business opportunities and client needs • Build and nurture client relationships through consultative selling and solution-based pitches • Collaborate with internal teams (product, marketing, tech) to tailor offerings for clients • Participate in promotional campaigns, demos, and fintech awareness drives • Maintain accurate records of sales activities and client interactions using CRM tools • Achieve monthly and quarterly business development targets Qualifications • MBA (Sales/Marketing specialization) from a recognized institution • Strong interest in fintech, financial inclusion, and digital transformation • Excellent communication and interpersonal skills • Self-motivated, goal-oriented, and eager to learn • Ability to travel and engage with clients across regions Preferred Skills • Understanding of cooperative banking structures and challenges • Presentation and negotiation skills • Fluency in regional languages is a MUST. What We Offer • Opportunity to work at the intersection of fintech and social impact • Performance-based incentives and career growth pathways • A collaborative, mission-driven work culture
Responsibilities Strategic Account Management: Develop and execute strategic plans to effectively manage and grow our key accounts in the region. Client Relationship Building: Build strong, trusting relationships with key stakeholders within customer organizations, ensuring client satisfaction and long-term retention. Upselling and Cross-Selling: Identify opportunities for upselling and cross-selling our neobanking solutions to maximize the value clients receive. Value Communication: Articulate and demonstrate the value added by OneStack's products to the customer's business. Present data-driven insights to deepen client relationships. Client Feedback: Gather client feedback and insights, providing input to enhance our products and services based on evolving client needs. Collaboration: Work closely with internal teams to deliver tailored solutions that enable customers to realize the full potential of OneStack's neobanking platform. Revenue Responsibility: Take ownership of revenue generation within the territory, with a strong focus on growth accounts. Local Language Proficiency: Effectively communicate and present in the Local language when interacting with clients and stakeholders. (Highly preferred). Willingness to travel in and across the city for up to 10 days a month. Requirements Educational Background: Bachelor's degree in Business, Finance, or a related field. Experience: 2+ years of relevant experience in key account management, preferably in the banking or fintech sector. Local Language Proficiency: Proficient in spoken and written Gujarati for effective communication with clients in the region. Sales Proficiency: Demonstrated experience in sales, account planning, and execution. Client-Centric: Strong client relationship-building skills with a focus on customer satisfaction. Results-Driven: Ability to meet and exceed revenue targets and effectively forecast account growth. Team Collaboration: A team player with excellent collaboration skills to work with internal teams. Innovation Enthusiast: A passion for fintech innovation and a commitment to delivering excellence. This job was posted by Pooja Bhavin Sheth from OneStack.
As a Strategic Account Manager at OneStack, your primary responsibility will be to develop and execute strategic plans to effectively manage and grow key accounts in the region. You will be tasked with building strong, trusting relationships with key stakeholders within customer organizations to ensure client satisfaction and long-term retention. Identifying opportunities for upselling and cross-selling our neobanking solutions will be crucial in maximizing the value clients receive. Your role will also involve articulating and demonstrating the value added by OneStack's products to the customer's business, as well as presenting data-driven insights to deepen client relationships. Gathering client feedback and insights to enhance products and services based on evolving client needs will be part of your regular activities. Collaboration is key in this role, as you will work closely with internal teams to deliver tailored solutions that enable customers to realize the full potential of OneStack's neobanking platform. Revenue generation within the territory will be under your ownership, with a strong focus on growth accounts. In addition to your responsibilities, you should be proficient in spoken and written Gujarati for effective communication with clients in the region. A willingness to travel in and across the city for up to 10 days a month is also required. To qualify for this position, you should hold a Bachelor's degree in Business, Finance, or a related field, along with at least 2 years of relevant experience in key account management, preferably in the banking or fintech sector. Sales proficiency, client-centric attitude, results-driven mindset, team collaboration skills, and a passion for fintech innovation are qualities that will be beneficial in excelling in this role. If you are looking to join a dynamic team at OneStack and contribute to the growth and success of our neobanking solutions, we encourage you to apply for this position.,
Responsibilities Strategic Account Management: Develop and execute strategic plans to effectively manage and grow our key accounts in the region. Client Relationship Building: Build strong, trusting relationships with key stakeholders within customer organizations, ensuring client satisfaction and long-term retention. Upselling and Cross-Selling: Identify opportunities for upselling and cross-selling our neobanking solutions to maximize the value clients receive. Value Communication: Articulate and demonstrate the value added by OneStack's products to the customer's business. Present data-driven insights to deepen client relationships. Client Feedback: Gather client feedback and insights, providing input to enhance our products and services based on evolving client needs. Collaboration: Work closely with internal teams to deliver tailored solutions that enable customers to realize the full potential of OneStack's neobanking platform. Revenue Responsibility: Take ownership of revenue generation within the territory, with a strong focus on growth accounts. Local Language Proficiency: Effectively communicate and present in the Local language when interacting with clients and stakeholders. (Highly preferred). Willingness to travel in and across the city for up to 10 days a month. Requirements Educational Background: Bachelor's degree in Business, Finance, or a related field. Experience: 2+ years of relevant experience in key account management, preferably in the banking or fintech sector. Local Language Proficiency: Proficient in spoken and written Gujarati for effective communication with clients in the region. Sales Proficiency: Demonstrated experience in sales, account planning, and execution. Client-Centric: Strong client relationship-building skills with a focus on customer satisfaction. Results-Driven: Ability to meet and exceed revenue targets and effectively forecast account growth. Team Collaboration: A team player with excellent collaboration skills to work with internal teams. Innovation Enthusiast: A passion for fintech innovation and a commitment to delivering excellence. This job was posted by Pooja Bhavin Sheth from OneStack.
Location: Gurgaon, India Experience: 2–4 years Industry: Fintech / Neobanking About OneStack OneStack – Powering Digital Bharat At OneStack, our vision is to transform every Bharat Bank into a digital bank. At OneStack, we aim to become the leading Technical Service Provider (TSP) for this sector. We are building the digital infrastructure required to transform these institutions and their customers through: We are building the core digital infrastructure for this sector through: Core Banking Solutions (CBS) Mobile Banking Applications NPCI Connectivity (UPI, AEPS, BBPS, etc.) Integrated Payments & Digital Banking Tools Our platform enables cooperative and rural banks to digitize, retain customers, grow CASA deposits, and offer a full range of modern financial services to underserved populations. The Opportunity As Manager – Partnerships and Alliances, you will play a pivotal role in expanding OneStack’s network of partner banks, fintechs, and strategic collaborators. You will be the face of OneStack to external stakeholders, helping forge powerful relationships that fuel business growth, product integration, and market reach. This is a high-impact role for someone who thrives on ownership, relationship-building, and working at the intersection of banking and innovation. You’ll help shape how the Bharat banking ecosystem goes digital. Key Responsibilities Identify, initiate, and onboard cooperative banks and fintech partners to OneStack’s platform. Lead end-to-end partnership cycles – from outreach and relationship building to negotiation and closure. Develop strong, trust-based relationships with key decision-makers and influencers at banks and partner organizations. Collaborate with internal stakeholders including Product, Tech, Legal, and Customer Success teams to ensure seamless onboarding and execution of partnership agreements. Track, analyze, and report on partnership performance metrics; continuously improve alliance strategies based on insights. Represent OneStack in industry forums, partner meetings, and external engagements. Stay informed on regulatory changes, cooperative banking trends, and digital banking innovations to inform strategic alliances. Who You Are (Qualifications & Skills) Bachelor’s degree in Business, Finance, Marketing, or related discipline. 2–4 years of experience in Partnerships, Business Development, Strategic Alliances, or a similar client-facing role. Prior experience in Fintech, Banking, Neobanking, or Financial Services preferred. Deep understanding of the cooperative banking or credit society landscape is a strong plus. Excellent verbal and written communication skills; able to craft compelling narratives and influence stakeholders. Proven negotiation and contract management experience. Highly organized, data-driven, and comfortable working with CRM tools and analytics dashboards. Self-motivated, entrepreneurial mindset; able to thrive in a fast-paced, impact-focused startup environment. Why Join OneStack? Competitive salary with performance-based incentives. Be part of a mission-driven team solving one of India’s most critical financial inclusion challenges. Work closely with founders, bankers, and regulators shaping the future of Bharat Banking. Flat hierarchy, collaborative culture, and space to lead initiatives end-to-end. Access to fintech industry networks, growth programs, and cross-functional exposure. Ready to lead partnerships that redefine banking for Bharat? Apply now and be part of the OneStack mission. Write to pooja.sheth@onestack.in.
As a Strategic Account Manager at OneStack, you will be responsible for developing and executing strategic plans to effectively manage and grow key accounts in the region. Building strong, trusting relationships with key stakeholders within customer organizations, ensuring client satisfaction, and long-term retention will be a crucial part of your role. You will identify opportunities for upselling and cross-selling our neobanking solutions to maximize the value clients receive. Your role will involve articulating and demonstrating the value added by OneStack's products to the customer's business, presenting data-driven insights to deepen client relationships. Gathering client feedback and insights will be essential, providing input to enhance our products and services based on evolving client needs. Collaborating closely with internal teams to deliver tailored solutions that enable customers to realize the full potential of OneStack's neobanking platform will also be a key aspect of your responsibilities. Taking ownership of revenue generation within the territory, with a strong focus on growth accounts, will be a significant part of your role. Effectively communicating and presenting in the local language when interacting with clients and stakeholders is highly preferred. Additionally, willingness to travel in and across the city for up to 10 days a month is required. To qualify for this position, you should have a Bachelor's degree in Business, Finance, or a related field, along with 2+ years of relevant experience in key account management, preferably in the banking or fintech sector. Proficiency in spoken and written Gujarati/Marathi for effective communication with clients in the region is a must. Demonstrated experience in sales, account planning, and execution is required, along with strong client relationship-building skills and a focus on customer satisfaction. As a results-driven individual, you should have the ability to meet and exceed revenue targets and effectively forecast account growth. Being a team player with excellent collaboration skills to work with internal teams is essential. A passion for fintech innovation and a commitment to delivering excellence will be highly valued in this role. If you are looking for a challenging yet rewarding opportunity in strategic account management with a focus on client satisfaction and revenue growth, this position at OneStack might be the perfect fit for you.,
Responsibilities Part of the Product Development and Management Team. Work closely as a part of the product team with design and engineering teams to translate product requirements into features. Assist in conducting user testing and gathering feedback to iterate and improve product features, usability, and overall user experience. Monitor key product metrics, analyze user behavior, and identify opportunities for optimization and growth. Product development and management: Work closely with the engineering, design, and QA teams to prioritize and manage the product development process. Assist in defining product requirements, creating user stories, and maintaining the product backlog. Ensure timely delivery of product releases and feature enhancements. Create process flows for financial products and turn them into features. Problem definition and solution design, and validation. Requirements Experience: 1+ years of Financial Services/ Fintech experience in building a product. Ideally, experience working on a Fintech product and Payments. Proven experience translating customer needs into engineering requirements. This job was posted by Pooja Sheth from OneStack.
As Manager - Partnerships and Alliances, you will play a pivotal role in expanding OneStack's network of partner banks, fintechs, and strategic collaborators. You will be the face of OneStack to external stakeholders, helping forge powerful relationships that fuel business growth, product integration, and market reach. This is a high-impact role for someone who thrives on ownership, relationship-building, and working at the intersection of banking and innovation. You'll help shape how the Bharat banking ecosystem goes digital. Responsibilities Identify, initiate, and onboard cooperative banks and fintech partners to OneStack's platform. Lead end-to-end partnership cycles - from outreach and relationship building to negotiation and closure. Develop strong, trust-based relationships with key decision-makers and influencers at banks and partner organizations. Collaborate with internal stakeholders, including Product, Tech, Legal, and Customer Success teams, to ensure seamless onboarding and execution of partnership agreements. Track, analyze, and report on partnership performance metrics; continuously improve alliance strategies based on insights. Represent OneStack in industry forums, partner meetings, and external engagements. Stay informed on regulatory changes, cooperative banking trends, and digital banking innovations to inform strategic alliances. Requirements Bachelor's degree in Business, Finance, Marketing, or related discipline. 2-4 years of experience in Partnerships, Business Development, Strategic Alliances, or a similar client-facing role. Prior experience in Fintech, Banking, Neobanking, or Financial Services is preferred. A deep understanding of the cooperative banking or credit society landscape is a strong plus. Excellent verbal and written communication skills; able to craft compelling narratives and influence stakeholders. Proven negotiation and contract management experience. Highly organized, data-driven, and comfortable working with CRM tools and analytics dashboards. Self-motivated, entrepreneurial mindset; able to thrive in a fast-paced, impact-focused startup environment. This job was posted by Pooja Sheth from OneStack.
As the Manager - Partnerships and Alliances at OneStack, you will have a significant role in expanding the company's network of partner banks, fintechs, and strategic collaborators. You will be the primary representative of OneStack to external stakeholders, facilitating the development of strong relationships that drive business growth, product integration, and market expansion. This position is ideal for individuals who excel in taking ownership, cultivating relationships, and operating at the crossroads of banking and innovation. Your contributions will be instrumental in shaping the digital transformation of the Bharat banking ecosystem. Your responsibilities will include identifying, initiating, and onboarding cooperative banks and fintech partners onto OneStack's platform. You will be responsible for leading the entire partnership lifecycle, from initial outreach and relationship establishment to negotiation and finalization of agreements. Building and nurturing trust-based relationships with key decision-makers and influencers within partner organizations will be crucial. Collaboration with internal teams such as Product, Tech, Legal, and Customer Success will be essential to ensure seamless onboarding and execution of partnership agreements. Monitoring, analyzing, and reporting on partnership performance metrics to enhance alliance strategies based on insights will also be part of your role. Additionally, you will represent OneStack in industry forums, partner meetings, and other external engagements while staying abreast of regulatory changes, cooperative banking trends, and digital banking innovations to guide strategic alliances. To be successful in this role, you should have a Bachelor's degree in Business, Finance, Marketing, or a related field along with 2-4 years of experience in Partnerships, Business Development, Strategic Alliances, or a similar client-facing capacity. Prior experience in Fintech, Banking, Neobanking, or Financial Services is preferred. A strong understanding of the cooperative banking or credit society landscape will be advantageous. Excellent verbal and written communication skills are essential, as you will be crafting compelling narratives and influencing stakeholders. Proven negotiation and contract management experience is required, and proficiency in working with CRM tools and analytics dashboards is beneficial. A self-motivated and entrepreneurial mindset, coupled with the ability to thrive in a fast-paced, impact-focused startup environment, will be critical for success in this role. This job opportunity has been presented by Pooja Sheth on behalf of OneStack.,
As a B2B Sales Manager at OneStack located in Gurgaon, your role involves managing business-to-business sales activities, developing and implementing sales strategies, and building and maintaining client relationships. Your responsibilities include: - Sales Strategy Development and Implementation for Cooperative Banks and Credit societies across India - Client Relationship Management - Lead Generation and Prospecting - Negotiation and Closing Skills - Excellent Communication and Presentation Skills - Team Leadership and Collaboration - Sales Experience in the Fintech industry is a plus - Willingness to travel extensively in the assigned region To excel in this role, you are required to have a Bachelor's degree in Business Administration, Marketing, or a related field. Join us at OneStack and be a key player in driving sales success in the fintech industry.,
Responsibilities Developing and sustaining solid relationships with key clients that bring in the most income for the company. Willingness to travel within the region for 7-10 days a month. Addressing and resolving key clients' complaints. Acting as the main point of contact between key clients and internal teams. Supervising the account teams assigned to each key client. Communicating and collaborating with the advertising, design, marketing, sales, and logistics departments to ensure that key clients' needs are met. Compiling reports on account progress, goals, and forecasts for account teams and stakeholders. Developing a thorough understanding of key clients' needs and requirements and preparing customized solutions. Negotiating contracts with key clients and meeting established deadlines for the fulfillment of each client's long-term goals. Requirements Bachelor's degree in business administration, finance, sales, or related field. Proven experience in key account management. Proficient in all Microsoft Office applications as well as CRM software. The ability to build rapport with key clients. The ability to handle multiple client accounts. Strong negotiation and leadership skills. Exceptional customer service skills. Excellent communication skills in Marathi and English. Willingness to travel 10-12 days a month across Maharashtra. This job was posted by Pooja Bhavin Sheth from OneStack.
As Manager - Partnerships and Alliances, you will play a pivotal role in expanding OneStack's network of partner banks, fintechs, and strategic collaborators. You will be the face of OneStack to external stakeholders, helping forge powerful relationships that fuel business growth, product integration, and market reach. This is a high-impact role for someone who thrives on ownership, relationship-building, and working at the intersection of banking and innovation. You'll help shape how the Bharat banking ecosystem goes digital. Responsibilities Identify, initiate, and onboard cooperative banks and fintech partners to OneStack's platform. Lead end-to-end partnership cycles - from outreach and relationship building to negotiation and closure. Develop strong, trust-based relationships with key decision-makers and influencers at banks and partner organizations. Collaborate with internal stakeholders, including Product, Tech, Legal, and Customer Success teams, to ensure seamless onboarding and execution of partnership agreements. Track, analyze, and report on partnership performance metrics; continuously improve alliance strategies based on insights. Represent OneStack in industry forums, partner meetings, and external engagements. Stay informed on regulatory changes, cooperative banking trends, and digital banking innovations to inform strategic alliances. Requirements Bachelor's degree in Business, Finance, Marketing, or related discipline. 2-4 years of experience in Partnerships, Business Development, Strategic Alliances, or a similar client-facing role. Prior experience in Fintech, Banking, Neobanking, or Financial Services is preferred. A deep understanding of the cooperative banking or credit society landscape is a strong plus. Excellent verbal and written communication skills; able to craft compelling narratives and influence stakeholders. Proven negotiation and contract management experience. Highly organized, data-driven, and comfortable working with CRM tools and analytics dashboards. Self-motivated, entrepreneurial mindset; able to thrive in a fast-paced, impact-focused startup environment. This job was posted by Pooja Bhavin Sheth from OneStack.
Responsibilities Developing and sustaining solid relationships with key clients that bring in the most income for the company. Willingness to travel within the region for 7-10 days a month. Addressing and resolving key clients complaints. Acting as the main point of contact between key clients and internal teams. Supervising the account teams assigned to each key client. Communicating and collaborating with the advertising, design, marketing, sales, and logistics departments to ensure that key clients needs are met. Compiling reports on account progress, goals, and forecasts for account teams and stakeholders. Developing a thorough understanding of key clients needs and requirements and preparing customized solutions. Negotiating contracts with key clients and meeting established deadlines for the fulfillment of each client's long-term goals. Requirements Bachelor's degree in business administration, finance, sales, or related field. Proven experience in key account management. Proficient in all Microsoft Office applications as well as CRM software. The ability to build rapport with key clients. The ability to handle multiple client accounts. Strong negotiation and leadership skills. Exceptional customer service skills. Excellent communication skills in Marathi and English. Willingness to travel 10-12 days a month across Maharashtra. This job was posted by Pooja Bhavin Sheth from OneStack.
Responsibilities Part of the Product Development and Management Team. Work closely as a part of the product team with design and engineering teams to translate product requirements into features. Assist in conducting user testing and gathering feedback to iterate and improve product features, usability, and overall user experience. Monitor key product metrics, analyze user behavior, and identify opportunities for optimization and growth. Product development and management: Work closely with the engineering, design, and QA teams to prioritize and manage the product development process. Assist in defining product requirements, creating user stories, and maintaining the product backlog. Ensure timely delivery of product releases and feature enhancements. Create process flows for financial products and turn them into features. Problem definition and solution design, and validation. Requirements Experience: 1+ years of Financial Services/ Fintech experience in building a product. Ideally, experience working on a Fintech product and Payments. Proven experience translating customer needs into engineering requirements. This job was posted by Pooja Bhavin Sheth from OneStack.
As a Strategic Account Manager at OneStack, your role will involve developing and executing strategic plans to effectively manage and grow key accounts in the region. You will be responsible for building strong, trusting relationships with key stakeholders within customer organizations to ensure client satisfaction and long-term retention. Additionally, you will need to identify opportunities for upselling and cross-selling neobanking solutions to maximize the value clients receive. Key Responsibilities: - Develop and execute strategic plans for key account management - Build strong relationships with key stakeholders in customer organizations - Identify and capitalize on upselling and cross-selling opportunities - Articulate and demonstrate the value added by OneStack's products - Gather client feedback and insights to enhance products and services - Collaborate with internal teams to deliver tailored solutions - Take ownership of revenue generation within the territory - Effectively communicate and present in the Local language when interacting with clients - Willingness to travel in and across the city for up to 10 days a month Qualifications Required: - Bachelor's degree in Business, Finance, or a related field - 2+ years of relevant experience in key account management, preferably in the banking or fintech sector - Proficient in spoken and written Gujarati/Marathi for effective communication with clients - Demonstrated experience in sales, account planning, and execution - Strong client relationship-building skills with a focus on customer satisfaction - Ability to meet and exceed revenue targets and effectively forecast account growth - Excellent collaboration skills to work with internal teams - Passion for fintech innovation and a commitment to delivering excellence This job posting was from OneStack, and the hiring manager is Pooja Bhavin Sheth.,