Associate Manager -Underwriting
Posted Updated
Description
<p class="MsoNormal" align="justify" style="margin-top: 12pt; margin-bottom: 12pt; text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span style="font-family: Arial; color: rgb(0, 0, 0); font-size: 14pt;">About udaan</span></b><span style="mso-spacerun:'yes';font-family:Roboto;mso-fareast-font-family:'Times New Roman';
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color:rgb(0,0,0);font-size:12.0000pt;">Founded in 2016 with a vision to 'transform the trade ecosystem in India leveraging technology,’ udaan is India’s largest business-to-business e-commerce platform. It has operations across categories including fruits and vegetables, FMCG, staples, lifestyle, electronics, home & kitchen, pharma, toys and general merchandise.</span><span style="mso-spacerun:'yes';font-family:Roboto;mso-fareast-font-family:'Times New Roman';
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color:rgb(0,0,0);font-size:12.0000pt;">udaan is solving core trade problems faced by small and medium businesses, that are unique to India, through its unique India-fit low-cost business model by leveraging technology and bringing the benefits of eCommerce to them. It is a one stop shop for all business requirements in the b2b space. udaan has built inclusive tech tools for Bharat, specially catering to the needs of brands, retailers and manufacturers, providing them a level playing field to scale, trade and grow businesses. </span><span style="mso-spacerun:'yes';font-family:Roboto;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:10.5000pt;"><o:p></o:p></span></p><p class="MsoNormal" align="justify" style="margin-top: 12pt; margin-bottom: 12pt; text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span style="font-family: Arial; color: rgb(0, 0, 0); font-size: 11pt;">Role Description</span></b><span style="mso-spacerun:'yes';font-family:Roboto;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:10.5000pt;"><o:p></o:p></span></p><p class="MsoNormal" align="justify" style="margin-top: 12pt; margin-bottom: 12pt; text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span style="font-family: Arial; color: rgb(0, 0, 0); font-size: 11pt;">Function:</span></b><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:11.0000pt;"> Finance</span><span style="mso-spacerun:'yes';font-family:Roboto;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:10.5000pt;"><o:p></o:p></span></p><p class="MsoNormal" align="justify" style="margin-top: 12pt; margin-bottom: 12pt; text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span style="font-family: Arial; color: rgb(0, 0, 0); font-size: 11pt;">Reports to:</span></b><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:11.0000pt;"> </span><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:11.0000pt;">Business Finance Lead</span><span style="mso-spacerun:'yes';font-family:Roboto;mso-fareast-font-family:'Times New Roman';
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mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Deciding trade credit for buyers (lending amount & period)</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
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mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Responsible completion of timely credit appraisals</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
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mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Adhering to strict TAT for underwriting files</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
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mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Maintaining quality of underwriting as per SOP</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
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mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Recommending deviation cases to the higher level or approving authority as per delegation matrix</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
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mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Vendor Management</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
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color:rgb(0,0,0);font-size:12.0000pt;">Partner with Business & Finance head and create monthly & annual operating plans and ensure timely submission of the plans to the central teams.</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
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color:rgb(0,0,0);font-size:12.0000pt;">Own and deliver in-depth analysis of the overall financial and operational performance of the business (Financial, Operational, Marketing, Sales, etc.), identify red flags and propose ways to bridge them </span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
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color:rgb(0,0,0);font-size:12.0000pt;">Ensure analysis findings are actioned upon and continuous feedback is collected and utilized to fine-tune the approach</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
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color:rgb(0,0,0);font-size:12.0000pt;">Solve business problems and aid the decision-making process by using predictive modelling on internal and external data </span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
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color:rgb(0,0,0);font-size:12.0000pt;">Track performance against plan, provide performance insights with detailed recovery actions for gaps</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
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color:rgb(0,0,0);font-size:12.0000pt;">Build dashboards/coherent scorecards to drive strategic thinking in the category</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
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color:rgb(0,0,0);font-size:12.0000pt;">Collaborate with cross functional teams to drive business and improve processes</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
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mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"> </span></p><p class="MsoNormal" style="margin-bottom: 0pt; margin-left: 7.1pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span style="font-family: Calibri; color: rgb(0, 0, 0); font-size: 16pt;">KRAs:</span></b><b><span style="font-family: Calibri; color: rgb(192, 0, 0); font-size: 16pt;"> </span></b><span style="mso-spacerun:'yes';font-family:Roboto;mso-fareast-font-family:'Times New Roman';
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mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Delinquency Management – Maintain lower NPAs</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:18.0000pt;mso-para-margin-left:0.0000gd;"><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"> </span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
mso-list:l1 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:Arial;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';
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mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">TAT Management – Strict TAT to be maintained for underwriting files</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:18.0000pt;mso-para-margin-left:0.0000gd;"><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"> </span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
mso-list:l1 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:Arial;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';
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mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Managing Quality of Processing – to maintain quality of underwriting adhering to SOP</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:18.0000pt;mso-para-margin-left:0.0000gd;"><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"> </span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
mso-list:l1 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:Arial;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;">• </span><!--[endif]--><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Vendor Management – coordinate with vendors for getting various verification done for customers</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"><br></span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom: 0pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span style="font-family: Arial; color: rgb(0, 0, 0); font-size: 14pt;">Candidate Profile</span></b><span style="mso-spacerun:'yes';font-family:Roboto;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:10.5000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
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mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Qualification: CA/MBA Finance/B. Com</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
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mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Must have a minimum 1 - 3 years of work experience in SME underwriting for products like Invoice Finance,</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
mso-list:l1 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:Arial;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;">• </span><!--[endif]--><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Business Loans; prior experience in Fintech/NBFCs preferred</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
mso-list:l1 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:Arial;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;">• </span><!--[endif]--><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Thorough understanding of SME Financing and Credit processes</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
mso-list:l1 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:Arial;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;">• </span><!--[endif]--><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Good at market intelligence, should be able to provide inputs & feedback for policy and process improvement</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
mso-list:l1 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:Arial;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;">• </span><!--[endif]--><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;">Eye for detail/Diligent Personalit</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
mso-list:l1 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:Arial;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;">• </span><!--[endif]--><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" align="justify" style="margin-bottom: 0pt; text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><b><span style="font-family: Calibri; color: rgb(0, 0, 0); font-size: 12pt;">Functional Competencies</span></b><span style="mso-spacerun:'yes';font-family:Roboto;mso-fareast-font-family:'Times New Roman';
mso-bidi-font-family:'Times New Roman';color:rgb(0,0,0);font-size:10.5000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
vertical-align:baseline;mso-list:l0 level1 lfo2;"><!--[if !supportLists]--><span style="font-family:Symbol;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:Arial;
color:rgb(0,0,0);font-weight:bold;font-size:10.0000pt;">· </span><!--[endif]--><b><span style="font-family: Arial; color: rgb(0, 0, 0); font-size: 12pt;">Problem solving: </span></b><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;">Solve business problem with multiple data streams impacting decision making.</span><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
vertical-align:baseline;mso-list:l0 level1 lfo2;"><!--[if !supportLists]--><span style="font-family:Symbol;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:Arial;
color:rgb(0,0,0);font-weight:bold;font-size:10.0000pt;">· </span><!--[endif]--><b><span style="font-family: Arial; color: rgb(0, 0, 0); font-size: 12pt;">Data driven/ analytical: </span></b><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;">Process and analyse volume of multiple data streams to enable meeting business targets.</span><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
vertical-align:baseline;mso-list:l0 level1 lfo2;"><!--[if !supportLists]--><span style="font-family:Symbol;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:Arial;
color:rgb(0,0,0);font-weight:bold;font-size:10.0000pt;">· </span><!--[endif]--><b><span style="font-family: Arial; color: rgb(0, 0, 0); font-size: 12pt;">Collaborative skills: </span></b><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;">Cross-functional working and engagement with senior leaders to create success. Seamlessly navigate relationship dynamics in a high growth, young, agile business environment.</span><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
vertical-align:baseline;mso-list:l0 level1 lfo2;"><!--[if !supportLists]--><span style="font-family:Symbol;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:Arial;
color:rgb(0,0,0);font-weight:bold;font-size:10.0000pt;">· </span><!--[endif]--><b><span style="font-family: Arial; color: rgb(0, 0, 0); font-size: 12pt;">Results orientation: </span></b><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;">Deliver on daily numbers, short-term goals and long-term milestones set by business and efficacy. </span><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
vertical-align:baseline;mso-list:l0 level1 lfo2;"><!--[if !supportLists]--><span style="font-family:Symbol;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:Arial;
color:rgb(0,0,0);font-weight:bold;font-size:10.0000pt;">· </span><!--[endif]--><b><span style="font-family: Arial; color: rgb(0, 0, 0); font-size: 12pt;">Strong business and commercial acumen</span></b><b><span style="font-family: Arial; color: rgb(0, 0, 0); font-size: 12pt;"><o:p></o:p></span></b></p><p class="MsoNormal" style="margin-bottom:0.0000pt;vertical-align:baseline;"><b><span style="font-family: Arial; color: rgb(0, 0, 0); font-size: 12pt;"> </span></b></p><p class="MsoNormal" style="margin-bottom:0.0000pt;vertical-align:baseline;"><b><span style="font-family: Calibri; color: rgb(32, 33, 36); font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">What we offer</span></b><span style="font-family: Calibri; color: rgb(32, 33, 36); font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"> </span><span style="font-family: Calibri; color: rgb(32, 33, 36); font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
vertical-align:baseline;mso-list:l0 level1 lfo2;"><!--[if !supportLists]--><span style="font-family:Symbol;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:Arial;
color:rgb(0,0,0);font-size:10.0000pt;">· </span><!--[endif]--><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;">Hybrid work model</span><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
vertical-align:baseline;mso-list:l0 level1 lfo2;"><!--[if !supportLists]--><span style="font-family:Symbol;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:Arial;
color:rgb(0,0,0);font-size:10.0000pt;">· </span><!--[endif]--><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;"> Robust insurance policy (medical, accidental) </span><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
vertical-align:baseline;mso-list:l0 level1 lfo2;"><!--[if !supportLists]--><span style="font-family:Symbol;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:Arial;
color:rgb(0,0,0);font-size:10.0000pt;">· </span><!--[endif]--><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;">Car lease through vendors </span><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal" style="margin-bottom:0.0000pt;margin-left:36.0000pt;text-indent:-18.0000pt;
vertical-align:baseline;mso-list:l0 level1 lfo2;"><!--[if !supportLists]--><span style="font-family:Symbol;mso-fareast-font-family:'Times New Roman';mso-bidi-font-family:Arial;
color:rgb(0,0,0);font-size:10.0000pt;">· </span><!--[endif]--><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;">Gratuity</span><span style="mso-spacerun:'yes';font-family:Arial;mso-fareast-font-family:'Times New Roman';
color:rgb(0,0,0);font-size:12.0000pt;"><o:p></o:p></span></p><p class="MsoNormal"><span style="mso-spacerun:'yes';font-family:Calibri;mso-bidi-font-family:'Times New Roman';
font-size:11.0000pt;"> </span></p><p class="MsoNormal"><span style="mso-spacerun:'yes';font-family:Calibri;mso-bidi-font-family:'Times New Roman';
font-size:11.0000pt;"> </span></p>