1754 Retail Liabilities Jobs - Page 23

Job Role: Achieving Business Objectives for the Branch in terms of Value, Productivity, & Volume Metrics. Revenue Generation through Sales of CASA, Assets, TPP of MF LI GT etc. through varied Bank Channels. Mentor Sales & Operations" Teams. Responsible for YoY Deliverables & Growth of Fee & Non-Fee Income based Products. Enhancements of Standards of Service Delivery Customer Service. Manage Complete Branch Administration & Regulatory Compliance. Enhance Overall Product Sales by ways of Basket Growth. Ensuring Quality Parameters across Service Span and Other Deliverables. Manage Overall Productivity & Moral of Branch Personnel. Graduation is Mandatory, Preferred PG MBA. Relevant Experience of in Team Handling, thorough Understanding of Banking . Proven Branch Management Experience, as a Bank Manager or Similar Role. Leadership Aptitude, Mentoring Ability and Excellent Organizational Skills. Familiarity with Banking Industry Rules & Regulations. Result Driven, Customer Focused and Ability to meet Allotted Targets. Knowledge of Modern Management Techniques & Best Practices in Business Administration preferred.

JOB ROLE Develops new and expands existing High Net worth Customer relationships for liabilities and commercial assets . Ensures high levels of customer service orientation and application of bank policy. Cross sells existing bank products to customers. Informs customers of new products or product enhancements to further expand the banking relationship. Plans and conducts special sales initiatives and events for prospective and existing clients. Coordinates with other group companies to provide seamless access to other products. Maintains complete relationship record for assigned customer accounts. Tracks customer complaints/queries and turnaround times for customer satisfaction JOB REQUIREMENT 4 to 5 years work experience Developing and maintaining banking relationships with a select group of high net worth customers through individualized customer service. Very good understanding of Trade and Forex. Very good understanding of Commercial Assets like CC, OD, TL, Export Finance etc Understanding of MF and Insurance an added advantage Customer orientation, High energy and drive. Go getter attitude. Self motivated with a passion to achieve.

About The Role (DESIGNATION) Transaction Banking Group ROCE ( Relationship Officer Customer Engagement) Location Hyderabad Number of Positions 12 Reporting Relationships RCEM ( Regional Customer Engagement Manager ) Position Grade M2 Job Role: Customer Engagement (meeting, Video call, Tele call) and Relationship Management on the mapped C Cat book of the branch. ( C category book of 2-3 brancheswith approx. 1000 to 1500 customers will be mapped ) Cross sell of Asset ( HL, LAP, CL,PL, GL, WC, CV ) Liability ( CA, SA TD) and Third Party & Investment Products ( LI GI Trinity & MF) on the mapped book Deepening of CA SA and TD mapped relationships. Meeting and conversion on leads from VRM and CEC. Working closely with respective teams on LI, GI, KSEC, IC and Asset team for timely conversion of the business. Ensuring customer stickiness and category upgrade. Acquisition, X-sell of business & Service activations to existing customers Explain all the Facilities of the Bank in Form of Demonstration both online offline Enroll the customer for the services which would be useful for him Handle customer service requirements like account opening, Trinity account opening, liability product selling, liability on product features, Cheque book insurance. Speed and efficiency of service given Sales targets for banks and investment products. Customer acquisition from Family Household & referrals. Have higher NPs scores Job Requirements: Job Role Graduate/Post Graduate in any stream with at least 1 year experience in banking/finance Must be energetic, confident and go-getter Application: If you wish to apply for this job position, please fill your details in the Kotak Fast Track A pplication Form and mail tosmitha.nair@kotak.comPlease mention the following in the subject line as " "Position Name" " Your Name" " Your Current Business group "

Job Role: Enhancement of Deposit pool from Customers " Establishing standards and delivery of service " Sale of non-deposit products. Cross selling targets progressively " Sale of MF and Insurance pro Description for Internal Candidates Job Role: " Enhancement of Deposit pool from Customers" Establishing standards and delivery of service" Sale of non-deposit products. Cross selling targets progressively" Sale of MF and Insurance products" Fee Income" Branch Administration" Regulatory Compliance" Manage productivity and overall morale of branch team members" Overall responsible for break-even and P&L of branch Job Requirements: " Overall 6yrs of Banking experience; out of which 3-4yrs in Retail Liabilities" Must have had Sales experience and exposure, preferably of Liabilities products" Qualifications- MBA CA/ CAIB" Good Leadership skills (though more tactical than strategic)" ThinkerDoer 40:60" In-depth understanding of financial instruments, markets and macro micro economic processes" Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT"" Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.Same Posting Description for Internal and External Candidates

Job Role: Achieving Business Objectives for the Branch in terms of Value, Productivity, & Volume Metrics. Revenue Generation through Sales of CASA, Assets, TPP of MF LI GT etc. through varied Bank Channels. Mentor Sales & Operations" Teams. Responsible for YoY Deliverables & Growth of Fee & Non-Fee Income based Products. Enhancements of Standards of Service Delivery Customer Service. Manage Complete Branch Administration & Regulatory Compliance. Enhance Overall Product Sales by ways of Basket Growth. Ensuring Quality Parameters across Service Span and Other Deliverables. Manage Overall Productivity & Moral of Branch Personnel. Graduation is Mandatory, Preferred PG MBA. Relevant Experience of in Team Handling, thorough Understanding of Banking . Proven Branch Management Experience, as a Bank Manager or Similar Role. Leadership Aptitude, Mentoring Ability and Excellent Organizational Skills. Familiarity with Banking Industry Rules & Regulations. Result Driven, Customer Focused and Ability to meet Allotted Targets. Knowledge of Modern Management Techniques & Best Practices in Business Administration preferred.

Job Role: " Enhancement of Deposit pool from Customers " Establishing standards and delivery of service " Sale of non-deposit products. Cross selling targets progressively " Sale of MF and Insurance pro Description for Internal Candidates Job Role: " Enhancement of Deposit pool from Customers" Establishing standards and delivery of service" Sale of non-deposit products. Cross selling targets progressively" Sale of MF and Insurance products" Fee Income" Branch Administration" Regulatory Compliance" Manage productivity and overall morale of branch team members" Overall responsible for break-even and P&L of branch Job Requirements: " Overall 6yrs of Banking experience; out of which 3-4yrs in Retail Liabilities" Must have had Sales experience and exposure, preferably of Liabilities products" Qualifications- MBA CA/ CAIB" Good Leadership skills (though more tactical than strategic)" ThinkerDoer 40:60" In-depth understanding of financial instruments, markets and macro micro economic processes" Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT"" Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.Same Posting Description for Internal and External Candidates

Job Role: " Enhancement of Deposit pool from Customers " Establishing standards and delivery of service " Sale of non-deposit products. Cross selling targets progressively " Sale of MF and Insurance pro Description for Internal Candidates Job Role: " Enhancement of Deposit pool from Customers" Establishing standards and delivery of service" Sale of non-deposit products. Cross selling targets progressively" Sale of MF and Insurance products" Fee Income" Branch Administration" Regulatory Compliance" Manage productivity and overall morale of branch team members" Overall responsible for break-even and P&L of branch Job Requirements: " Overall 6yrs of Banking experience; out of which 3-4yrs in Retail Liabilities" Must have had Sales experience and exposure, preferably of Liabilities products" Qualifications- MBA CA/ CAIB" Good Leadership skills (though more tactical than strategic)" ThinkerDoer 40:60" In-depth understanding of financial instruments, markets and macro micro economic processes" Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT"" Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.Same Posting Description for Internal and External Candidates

JOB ROLE Develops new and expands existing High Net worth Customer relationships for liabilities and commercial assets . Ensures high levels of customer service orientation and application of bank policy. Cross sells existing bank products to customers. Informs customers of new products or product enhancements to further expand the banking relationship. Plans and conducts special sales initiatives and events for prospective and existing clients. Coordinates with other group companies to provide seamless access to other products. Maintains complete relationship record for assigned customer accounts. Tracks customer complaints/queries and turnaround times for customer satisfaction JOB REQUIREMENT 4 to 5 years work experience Developing and maintaining banking relationships with a select group of high net worth customers through individualized customer service. Very good understanding of Trade and Forex. Very good understanding of Commercial Assets like CC, OD, TL, Export Finance etc Understanding of MF and Insurance an added advantage Customer orientation, High energy and drive. Go getter attitude. Self motivated with a passion to achieve.

Job Role: Achieving Business Objectives for the Branch in terms of Value, Productivity, & Volume Metrics. Revenue Generation through Sales of CASA, Assets, TPP of MF LI GT etc. through varied Bank Channels. Mentor Sales & Operations" Teams. Responsible for YoY Deliverables & Growth of Fee & Non-Fee Income based Products. Enhancements of Standards of Service Delivery Customer Service. Manage Complete Branch Administration & Regulatory Compliance. Enhance Overall Product Sales by ways of Basket Growth. Ensuring Quality Parameters across Service Span and Other Deliverables. Manage Overall Productivity & Moral of Branch Personnel. Graduation is Mandatory, Preferred PG MBA. Relevant Experience of in Team Handling, thorough Understanding of Banking . Proven Branch Management Experience, as a Bank Manager or Similar Role. Leadership Aptitude, Mentoring Ability and Excellent Organizational Skills. Familiarity with Banking Industry Rules & Regulations. Result Driven, Customer Focused and Ability to meet Allotted Targets. Knowledge of Modern Management Techniques & Best Practices in Business Administration preferred.

Grade: M5 (AVP) JOB ROLE : Enhancement of Deposit pool from Customers Establishing standards and delivery of service Sale of non-deposit products. Cross-selling targets progressively. Fee Income Branch Administration. Regulatory Compliance Manage productivity and overall morale of branch team members Overall responsible for break-even and P&L of branch JOB REQUIREMENT: Overall 4-6yrs of banking experience; out of which 3-4yrs in Retail Liabilities. Must have had Sales experience and exposure, preferably of Liabilities products Qualifications- MBA CA/ CAIIB Good Leadership skills Having more than 1-2year work experience In-depth understanding of financial instruments, markets and macro micro economic processes Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT" Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.

About The Role Branch Manager Job Role:" Enhancement of Deposit pool from Customers " Establishing standards and delivery of service" Sale of non-deposit products. Cross selling targets progressively " Sale of MF and Insurance pro Job Role: " Enhancement of Deposit pool from Customers" Establishing standards and delivery of service" Sale of non-deposit products. Cross selling targets progressively" Sale of MF and Insurance products" Fee Income" Branch Administration" Regulatory Compliance" Manage productivity and overall morale of branch team members" Overall responsible for break-even and P&L of branch Job Requirements: " Overall 6yrs of Banking experience; out of which 3-4yrs in Retail Liabilities" Must have had Sales experience and exposure, preferably of Liabilities products" Qualifications- MBA CA/ CAIB" Good Leadership skills (though more tactical than strategic)" ThinkerDoer 40:60" In-depth understanding of financial instruments, markets and macro micro economic processes" Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT"" Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.

Job Role: Achieving Business Objectives for the Branch in terms of Value, Productivity, & Volume Metrics. Revenue Generation through Sales of CASA, Assets, TPP of MF LI GT etc. through varied Bank Channels. Mentor Sales & Operations" Teams. Responsible for YoY Deliverables & Growth of Fee & Non-Fee Income based Products. Enhancements of Standards of Service Delivery Customer Service. Manage Complete Branch Administration & Regulatory Compliance. Enhance Overall Product Sales by ways of Basket Growth. Ensuring Quality Parameters across Service Span and Other Deliverables. Manage Overall Productivity & Moral of Branch Personnel. Graduation is Mandatory, Preferred PG MBA. Relevant Experience of in Team Handling, thorough Understanding of Banking . Proven Branch Management Experience, as a Bank Manager or Similar Role. Leadership Aptitude, Mentoring Ability and Excellent Organizational Skills. Familiarity with Banking Industry Rules & Regulations. Result Driven, Customer Focused and Ability to meet Allotted Targets. Knowledge of Modern Management Techniques & Best Practices in Business Administration preferred.

Job Role: " Enhancement of Deposit pool from Customers " Establishing standards and delivery of service " Sale of non-deposit products. Cross selling targets progressively " Sale of MF and Insurance pro Description for Internal Candidates Job Role: " Enhancement of Deposit pool from Customers" Establishing standards and delivery of service" Sale of non-deposit products. Cross selling targets progressively" Sale of MF and Insurance products" Fee Income" Branch Administration" Regulatory Compliance" Manage productivity and overall morale of branch team members" Overall responsible for break-even and P&L of branch Job Requirements: " Overall 6yrs of Banking experience; out of which 3-4yrs in Retail Liabilities" Must have had Sales experience and exposure, preferably of Liabilities products" Qualifications- MBA CA/ CAIB" Good Leadership skills (though more tactical than strategic)" ThinkerDoer 40:60" In-depth understanding of financial instruments, markets and macro micro economic processes" Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT"" Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.Same Posting Description for Internal and External Candidates

Job Role: Achieving Business Objectives for the Branch in terms of Value, Productivity, & Volume Metrics. Revenue Generation through Sales of CASA, Assets, TPP of MF LI GT etc. through varied Bank Channels. Mentor Sales & Operations" Teams. Responsible for YoY Deliverables & Growth of Fee & Non-Fee Income based Products. Enhancements of Standards of Service Delivery Customer Service. Manage Complete Branch Administration & Regulatory Compliance. Enhance Overall Product Sales by ways of Basket Growth. Ensuring Quality Parameters across Service Span and Other Deliverables. Manage Overall Productivity & Moral of Branch Personnel. Graduation is Mandatory, Preferred PG MBA. Relevant Experience of in Team Handling, thorough Understanding of Banking . Proven Branch Management Experience, as a Bank Manager or Similar Role. Leadership Aptitude, Mentoring Ability and Excellent Organizational Skills. Familiarity with Banking Industry Rules & Regulations. Result Driven, Customer Focused and Ability to meet Allotted Targets. Knowledge of Modern Management Techniques & Best Practices in Business Administration preferred.

Grade: M5 (AVP) JOB ROLE : Enhancement of Deposit pool from Customers Establishing standards and delivery of service Sale of non-deposit products. Cross-selling targets progressively. Fee Income Branch Administration. Regulatory Compliance Manage productivity and overall morale of branch team members Overall responsible for break-even and P&L of branch JOB REQUIREMENT: Overall 4-6yrs of banking experience; out of which 3-4yrs in Retail Liabilities. Must have had Sales experience and exposure, preferably of Liabilities products Qualifications- MBA CA/ CAIIB Good Leadership skills Having more than 1-2year work experience In-depth understanding of financial instruments, markets and macro micro economic processes Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT" Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.

About The Role Job Role: " Enhancement of Deposit pool from Customers " Establishing standards and delivery of service " Sale of non-deposit products. Cross selling targets progressively " Sale of MF and Insurance products " Fee Income " Branch Administration " Regulatory Compliance " Manage productivity and overall morale of branch team members " Overall responsible for break-even and P&L of branch Job Requirements " Overall 6yrs of Banking experience; out of which 3-4yrs in Retail Liabilities " Must have had Sales experience and exposure, preferably of Liabilities products " Qualifications- MBA CA/ CAIB " Good Leadership skills (though more tactical than strategic) " ThinkerDoer 40:60 " In-depth understanding of financial instruments, markets and macro micro economic processes " Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT" " Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.

Job Role: " Enhancement of Deposit pool from Customers " Establishing standards and delivery of service " Sale of non-deposit products. Cross selling targets progressively " Sale of MF and Insurance pro Description for Internal Candidates Job Role: " Enhancement of Deposit pool from Customers" Establishing standards and delivery of service" Sale of non-deposit products. Cross selling targets progressively" Sale of MF and Insurance products" Fee Income" Branch Administration" Regulatory Compliance" Manage productivity and overall morale of branch team members" Overall responsible for break-even and P&L of branch Job Requirements: " Overall 6yrs of Banking experience; out of which 3-4yrs in Retail Liabilities" Must have had Sales experience and exposure, preferably of Liabilities products" Qualifications- MBA CA/ CAIB" Good Leadership skills (though more tactical than strategic)" ThinkerDoer 40:60" In-depth understanding of financial instruments, markets and macro micro economic processes" Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT"" Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.Same Posting Description for Internal and External Candidates

Grade: M5 (AVP) JOB ROLE : Enhancement of Deposit pool from Customers Establishing standards and delivery of service Sale of non-deposit products. Cross-selling targets progressively. Fee Income Branch Administration. Regulatory Compliance Manage productivity and overall morale of branch team members Overall responsible for break-even and P&L of branch JOB REQUIREMENT: Overall 4-6yrs of banking experience; out of which 3-4yrs in Retail Liabilities. Must have had Sales experience and exposure, preferably of Liabilities products Qualifications- MBA CA/ CAIIB Good Leadership skills Having more than 1-2year work experience In-depth understanding of financial instruments, markets and macro micro economic processes Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT" Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.

Job Role: Achieving Business Objectives for the Branch in terms of Value, Productivity, & Volume Metrics. Revenue Generation through Sales of CASA, Assets, TPP of MF LI GT etc. through varied Bank Channels. Mentor Sales & Operations" Teams. Responsible for YoY Deliverables & Growth of Fee & Non-Fee Income based Products. Enhancements of Standards of Service Delivery Customer Service. Manage Complete Branch Administration & Regulatory Compliance. Enhance Overall Product Sales by ways of Basket Growth. Ensuring Quality Parameters across Service Span and Other Deliverables. Manage Overall Productivity & Moral of Branch Personnel. Graduation is Mandatory, Preferred PG MBA. Relevant Experience of in Team Handling, thorough Understanding of Banking . Proven Branch Management Experience, as a Bank Manager or Similar Role. Leadership Aptitude, Mentoring Ability and Excellent Organizational Skills. Familiarity with Banking Industry Rules & Regulations. Result Driven, Customer Focused and Ability to meet Allotted Targets. Knowledge of Modern Management Techniques & Best Practices in Business Administration preferred.

Grade: M5 (AVP) JOB ROLE : Enhancement of Deposit pool from Customers Establishing standards and delivery of service Sale of non-deposit products. Cross-selling targets progressively. Fee Income Branch Administration. Regulatory Compliance Manage productivity and overall morale of branch team members Overall responsible for break-even and P&L of branch JOB REQUIREMENT: Overall 4-6yrs of banking experience; out of which 3-4yrs in Retail Liabilities. Must have had Sales experience and exposure, preferably of Liabilities products Qualifications- MBA CA/ CAIIB Good Leadership skills Having more than 1-2year work experience In-depth understanding of financial instruments, markets and macro micro economic processes Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT" Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.

About The Role Job Name Branch Manager Grade: M5 (AVP) JOB ROLE : Enhancement of Deposit pool from Customers Establishing standards and delivery of service Sale of non-deposit products. Cross-selling targets progressively. Fee Income Branch Administration. Regulatory Compliance Manage productivity and overall morale of branch team members Overall responsible for break-even and P&L of branch JOB REQUIREMENT: Overall 4-6yrs of banking experience; out of which 3-4yrs in Retail Liabilities. Must have had Sales experience and exposure, preferably of Liabilities products Qualifications- MBA CA/ CAIIB Good Leadership skills Having more than 1-2year work experience In-depth understanding of financial instruments, markets and macro micro economic processes Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT" Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.

Job Role: " Enhancement of Deposit pool from Customers " Establishing standards and delivery of service " Sale of non-deposit products. Cross selling targets progressively " Sale of MF and Insurance pro Description for Internal Candidates Job Role: " Enhancement of Deposit pool from Customers" Establishing standards and delivery of service" Sale of non-deposit products. Cross selling targets progressively" Sale of MF and Insurance products" Fee Income" Branch Administration" Regulatory Compliance" Manage productivity and overall morale of branch team members" Overall responsible for break-even and P&L of branch Job Requirements: " Overall 6yrs of Banking experience; out of which 3-4yrs in Retail Liabilities" Must have had Sales experience and exposure, preferably of Liabilities products" Qualifications- MBA CA/ CAIB" Good Leadership skills (though more tactical than strategic)" ThinkerDoer 40:60" In-depth understanding of financial instruments, markets and macro micro economic processes" Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT"" Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.Same Posting Description for Internal and External Candidates

Job Role: Enhancement of Deposit pool from Customers " Establishing standards and delivery of service " Sale of non-deposit products. Cross selling targets progressively " Sale of MF and Insurance pro Description for Internal Candidates Job Role: " Enhancement of Deposit pool from Customers" Establishing standards and delivery of service" Sale of non-deposit products. Cross selling targets progressively" Sale of MF and Insurance products" Fee Income" Branch Administration" Regulatory Compliance" Manage productivity and overall morale of branch team members" Overall responsible for break-even and P&L of branch Job Requirements: " Overall 6yrs of Banking experience; out of which 3-4yrs in Retail Liabilities" Must have had Sales experience and exposure, preferably of Liabilities products" Qualifications- MBA CA/ CAIB" Good Leadership skills (though more tactical than strategic)" ThinkerDoer 40:60" In-depth understanding of financial instruments, markets and macro micro economic processes" Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT"" Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.Same Posting Description for Internal and External Candidates

About The Role Job Role: " Enhancement of Deposit pool from Customers " Establishing standards and delivery of service " Sale of non-deposit products. Cross selling targets progressively " Sale of MF and Insurance products " Fee Income " Branch Administration " Regulatory Compliance " Manage productivity and overall morale of branch team members " Overall responsible for break-even and P&L of branch Job Requirements " Overall 6yrs of Banking experience; out of which 3-4yrs in Retail Liabilities " Must have had Sales experience and exposure, preferably of Liabilities products " Qualifications- MBA CA/ CAIB " Good Leadership skills (though more tactical than strategic) " ThinkerDoer 40:60 " In-depth understanding of financial instruments, markets and macro micro economic processes " Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT" " Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.

About The Role Job Role: " Enhancement of Deposit pool from Customers " Establishing standards and delivery of service " Sale of non-deposit products. Cross selling targets progressively " Sale of MF and Insurance products " Fee Income " Branch Administration " Regulatory Compliance " Manage productivity and overall morale of branch team members " Overall responsible for break-even and P&L of branch Job Requirements " Overall 6yrs of Banking experience; out of which 3-4yrs in Retail Liabilities " Must have had Sales experience and exposure, preferably of Liabilities products " Qualifications- MBA CA/ CAIB " Good Leadership skills (though more tactical than strategic) " ThinkerDoer 40:60 " In-depth understanding of financial instruments, markets and macro micro economic processes " Ability to carry along all the units involved in the customer service cycle to ensure customer "DELIGHT" " Liaising with product management team, marketing and other centers & verticals for new product development, service enhancements and sales initiatives.