Financial services telemarketingKazi

Mandatory Skills: • Java-J2EE, Hibernate JSF - JavaServer Faces, JDBC - Java Database Connectivity, XML, Java-J2EE, Web Services, Web 2.0 Desirable Skill • Spiring

Mandatory Skills: • Java-J2EE, Hibernate JSF - JavaServer Faces, JDBC - Java Database Connectivity, XML, Java-J2EE, Web Services, Web 2.0 Desirable Skill • Spiring

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Computer Repairing In Mumbai, Mumbai, Navi Mumbai & Kalyan Suyash Computer Provides Door to Door Step Servicing of Computer • Computer Repairing • Servicing • Networking • Wireless Router Installation • Laptop Hard Disk Replacement, • Laptop Screen Changing, • Battery Replacement, • Laptop Keyboard Change • Data Recovery • Printer Repairing • Operating Installation • Trouble Shooting • Virus Problem Solution • Annual Maintenance • Data Backup /Restore • System Optimization • Buying /Selling Old / New Computer • Second Hand Computer Sales • Wired / Wifi Network Setup. • New / Second PC Sales. Office Address : Shop No- 5, Raj Dulari Bhavan, Shivaji Nagar, W...

In the course of my family law practice, I require occasional Italian-English interpretation services. While the frequency of these services varies, the need is real and sometimes urgent, so I am looking for someone I can rely upon when necessary. Key Requirements: • Expertise in Italian-English interpretation. Although we're dealing with legal terms, basic conversational fluency is adequate for this role. • Familiarity with the intricacies of family law is an added advantage. Skills and Experience: • Demonstrable previous experience in translation or interpretation services would be an advantage. • Good communication skills. • Flexibility to accommodate varying schedules due to the occasional nature of the service demand.

As a registered business for GST, I'm in need of an experienced professional to help me file my monthly GST returns, specifically in the services sector. Key requirements for this role are: - Extensive Knowledge: It's necessary that you have a comprehensive understanding of the GST filing process, especially for service-providing entities. - Accuracy & Timeliness: I'm looking for someone who can ensure that all returns are filed with precision and within the stipulated deadlines. - Communication Skills: Your ability to explain the process and any necessary actions I need to take will be crucial. If you have a proven track record in this area and are able to offer support for a service-based business, I'd like to hear from you.

I'm in search of a bilingual sales agent who can communicate fluently in English. This role will primarily involve selling services, which may include mainly closed sales on chat, cold calling, consultation, or similar. Key Responsibilities: - Communicate with clients in English. - Sell services to potential customers - Manage both cold calls and inbound inquiries effectively - Provide excellent customer service - Maintain detailed records of interactions Ideal Candidate: - Fluently in both English and Spanish. - Previous experience in sales, particularly in selling services, is highly desirable - Excellent communication and negotiation skills - Ability to handle both cold calling and inbound inquiries - Adept at building and maintaining client relationships - S...

I'm seeking a skilled professional to perform predictive analytics on a small dataset (less than 1GB) using Spark on the AWS EMR Cloud Platform. Specifically, I need assistance in setting up an EMR cluster and doing a Spark job on it. Your expertise should include: - Experienced knowledge in AWS services, including EC2, S3, and especially EMR. - Proficiency in handling Spark Jobs and understanding its complexities. - Prior experience in predictive analytics. Please underscore your relevant jobs and mention how you managed similar challenges on this project.

I'm currently seeking a motivated and experienced Sales Representative who can assist in expanding my marketing agency. This role entails: Key Responsibilities: - Cold calling potential clients to promote our services - Scheduling and attending client meetings to discuss their needs Industry Focus: - The primary target will be businesses in the marketing sector. Location: - I'm looking for someone who can reach out to international clients, so familiarity with global outreach is a huge plus. Ideal Skills & Experience: - Demonstrated experience in sales, specifically cold calling and client relations - Background in marketing industry - Ability to target and communicate with international clients effectively - Self-motivated and results-driven. Your role will be v...

I'm looking to enhance my WordPress site with the Ultimate Member plugin. I want to implement a feature that allows users to be sorted by their distance from a specified location using Google API. Here's a more detailed description of what I need: - **Location Search:** This...**Presentation:** The sorted users should be displayed in a list view. This is the primary way users should be able to see their matches. The ideal freelancer for this job should have: - **Experience with Ultimate Member Plugin:** A mastery of this plugin is crucial to the success of this project. - **Google API Knowledge:** A good understanding of how to leverage the Google API for location-based services. - **WordPress Development Expertise:** Proficiency in developing and customizing WordPress s...

I am looking for an experienced professional who can assist me with setting up an NDIS Service Provider business in Melbourne, Victoria, Australia. The services I need help with include: - Preparing the application documents - Lodging the application with NDIS - Getting approved and registered I have not yet started the registration process, so I am seeking someone who can guide me through this step by step. It's important that the individual has prior experience with NDIS registration and approval processes. I plan on commencing operations as an NDIS Service Provider within the next 6 months, so I am looking for a freelancer who can commit to helping me meet this timeline. Ideal skills and experience for the job: - Previous experience in setting up NDIS Service Provider b...

...to function effectively as a portfolio. Key Features: - **Service Listings**: The main aspect of the website is to present my services, so ensuring that these are well-organized, visually appealing, and easy to update is crucial. External Integrations: - **Social Media Platforms**: I'd like seamless integration with social media platforms to increase the site's visibility and user engagement. - **Email Marketing Tools**: Integration with email marketing tools to help me stay connected with my clients and potentially attract new business. - **Payment Gateways**: Ensuring secure and user-friendly payment gateways for potential clients to easily acquire my services. I'm seeking a freelancer with experience in WordPress, WooCommerce, and a strong grasp of w...

I need a comprehensive website created for my small handyman business which offers plumbing, electrical and carpentry services. Specific features the website needs to include are: - An online booking system that allows customers to schedule our services. - Detailed descriptions and visuals for each service we offer - plumbing, electrical, and carpentry. The ideal freelancer for this job would have experience building e-commerce websites, particularly with a booking feature. Proficiency in web design to accurately capture the essence of my services is also needed.

I need a talented React Native developer with experience in integrating push notifications via Firebase. Requirements: - Implement push notifications for both Android and iOS platforms Ideal Skills and Experience: - Strong experience in React Native development - Proficient in working with Firebase services, particularly push notifications - Experience with setting up triggers for push notifications would be a plus

I'm seeking a skillful app developer to bring my vision to life. The desired application will offer car washing and other cleaning services, with a main focus on Android and iOS platforms. Here are the specific functionalities I am interested in: - Online Booking: Users should be able to easily schedule and modify their appointments online. - Payment Integration: The system should support diverse payment methods for customer convenience. The ideal freelancer for this job should have a track record in mobile app development, with particular emphasis on Android and iOS platforms. Past experience in developing booking or service-oriented apps will be a plus. Score a high mark on this assignment by presenting a detailed project proposal that demonstrates a clear understanding of ...

... I'm in need of two key services: 1. Reservation Responses: - We need assistance tracking hotel reservations. Your role here would encompass the acknowledgement and handling of incoming reservations, ensuring smooth communication with guests, and appropriately logging all reservation details. 2. Accounting Assistance: - We are also looking for an accountant. Your responsibilities would include addressing guest inquiries about charges, and ensuring all financial transactions related to reservations are accurately processed and recorded. Ideal candidates should have experience in hotel reservation systems and basic accounting. Familiarity with financial tracking software and customer service skills are a must. Note: This project involves dealing with fi...

I'm in need of a talented and experienced landscape architect or designer to help me with the site design and layout services for an RV park project. The creative input required is mainly around the specific configuration of RV slots, as I'm aiming for a linear setup. Experience and Skills Needed: - Strong knowledge of landscape architecture or design - Previous work in RV park planning or similar is advantageous - Understanding of spatial principles, specifically around layout configuration - Ability to generate plans in a linear arrangement Deliverables: 1. Complete Site Design and Layout: The main focus is the RV slot configuration which has to follow a linear arrangement. 2. Detailed Blueprint: Submit a comprehensive plan showing the proposed layout that adheres to...

I'm looking ...prevent any damage in transit (bubble wrap, foam, etc.) - Send the package to my specified UK address Ideal candidate: - Should be located in London, or willing to travel there - Familiarity with card games, specifically One Piece OP-5, will be beneficial - Must have the ability to package the item appropriately for safe shipping - Experience or access to cost-effective and reliable shipping services. - Ask the store if you can buy the item in the next day (Currently they allow one booster box per day, if they are to buy buy the same box next day will buy more in the upcoming days) Please note this task must be completed as swiftly as possible to maintain the condition and value of the collectible item. Applications with quicker completion times are more likel...

I need an experienced PHP developer with a solid understanding of Stripe's payment platform. This project's main objective is to develop a script that sends a post request to Stripe for over-capturing an authorized payment. The over-capture is performed to modify payment details, specifically the amount billed due to additional...sends a post request to Stripe for over-capturing an authorized payment. The over-capture is performed to modify payment details, specifically the amount billed due to additional charges accrued. Expertise in handling Stripe’s transactional operations and PHP post request handling is necessary. Skills Required: - Proficiency in PHP - Extensive experience with Stripe API - Familiarity with financial transaction processes - Strong p...

I'm in need of a skilled and creative video content creator who can help create funny videos to promote my mortgage broker services on Instagram and YouTube. The videos should bring humor to the serious world of real estate, making an enjoyable viewing experience for all. - Skills Needed: - Video production - Storytelling - Humor development - Knowledge in real estate is a plus, but not necessary - Responsibility: - Creating engaging, and humorous videos related to real estate - Optimizing the produced content for Instagram and Youtube If you are creative and have a knack for making things entertaining, this may be your perfect opportunity. I am looking forward to seeing your works.

I am looking for a freelancer who specialize...responsible for adapting some elements of the existing drawings/models. - 3D rendering services will also be required to create realistic visualizations of the designs. Ideal Skills and Experience: - Strong background in architectural design and CAD modeling - Proficiency in CAD software and 3D rendering tools - Attention to detail and ability to accurately interpret client requirements - Creativity in designing and adapting architectural elements - Excellent communication skills to collaborate with the client and provide updates on the project progress If you have the skills and experience in architectural design and CAD modeling, as well as the ability to provide 3D rendering services, please submit your proposal.

I'm seeking a professional developer with experience in Elementor to design and built an e-commerce website where I can sell my services. Key website functionalities needed include: - Inventory Management: This feature will allow me to keep track of the services offered. - Customer Reviews: A section for customers to leave ratings and reviews enhancing the trustworthiness of the services offered. - Discount codes option: For promotional purposes, a feature to apply discount codes is desirable. Ideal freelancers will have a strong background in e-commerce website creation, specifically service-based businesses, and familiarity with Elementor. A portfolio showcasing similar projects would be advantageous.

I am looking for a skilled video animator to create a professional style video intro for a boutique financial planning firm. The video should be 15 seconds long, incorporating animation elements and bright colors for a polished but appealing look. Ideal Skills and Experience: • Experienced in Video Animation • Familiar with professional video intro styles • Able to incorporate bright colors subtly within a corporate style Your task will involve: • Creating a 15-second animated corporate style video intro • Merging animation and bright colors seamlessly • Delivering a high-quality, professional video output. There are puzzle pieces in our logo, so keeping the theme, we would like a video intro showing photos of potential clients as puzzle pieces, ...

...web applications, and digital solutions sectors. While a technical background in software development isn't strictly necessary, it could be beneficial. The salesperson's main goal is to secure new web design and development projects. Here's what the ideal candidate should have: - Proven experience in sales, preferably in the technology sector. - Good understanding of web design and development services. - Strong network of potential clients within the tech industry. - Excellent communication and negotiation skills. Your key responsibilities will include: - Identifying and targeting potential clients in the technology, web applications, and digital solutions sectors. - Enhancing our client base and bringing in web design and development projects. - Developing ...

I'm seeking an expert email marketer to boost sales through a targeted campaign for my existing customers. The focus will be on promoting my services. The ideal candidate should have: - A demonstrable proficiency in creating successful email marketing campaigns targeting existing customers specifically. - Experience in promoting services through email marketing. - Proven track record in increasing sales through email marketing strategies. Your main task will be creating engaging, persuasive and sales-driven email content to encourage loyal customers to take advantage of our services. A keen understanding of how to effectively promote services, coupled with excellent copywriting skills and a solid grasp on the best practices for customer retention, will be c...

...will be to display company information in a traditional and professional manner. I also require a contact form to facilitate communication with potential clients. Key Requirements: - Create a website that exudes professionalism and is designed with a traditional aesthetic. - Ensure that the website is optimized for information display, making it easy for visitors to understand the company's core services and values. - Implement a contact form that is user-friendly, secure, and functional. This form should allow potential clients to reach out to us effortlessly. Ideal Skills and Experience: - Proficiency in web design and development tools such as HTML, CSS, and JavaScript. - Previous experience in creating websites for construction companies or similar businesses would be ...

I am in need of talented content creators to develop a variety of video - animated, live-action, and stop-motion - and soc...creators to develop a variety of video - animated, live-action, and stop-motion - and social media advertising projects related to my dental lab. Video Content: - Variety of formats including animated, live-action, and stop-motion videos Dental Lab Content: - Advert videos for our products and services aimed at dentists. Advertising Content: - Focused on crafting engaging social media ads. Ideal Skillset: - Experience with diverse video formats. - Knowledge of dental lab products and services. - A creative mind for engaging, professional social media advertising content. Exploring new and innovative ideas to advertise to the dental indust...

I am in need of Employment verification services for my pre-employment vetting process. A comprehensive pre-employment vetting process that focuses extensively on validating the employment history of potential hires at Dr. José Ángel Álamo Military Hospital. The vetting process should: - Verify candidates' previous job titles and responsibilities. - Confirm the duration of their previous employment. Ideal skills and experience: - Expertise in employment background checks. - Knowledge of the healthcare industry, as it is a priority for these checks. - Ability to accurately interpret and document employment history. Additional Information: - Attention to detail and accuracy are crucial in ensuring the accuracy of the verification process. Candidate Volu...

I'm looking for a skilled iOS app developer to build a productivity-focused application. The app will primarily be centered around providing users with a convenient way to locate restrooms, share their reviews and ratings, and to stay informed with real-time status updates. More details will b...providing users with a convenient way to locate restrooms, share their reviews and ratings, and to stay informed with real-time status updates. More details will be provided in private message. The ideal candidate should have a proven track record of developing iOS apps, particularly in the productivity niche. They should also be experienced in integrating real-time features and mapping/navigation services. A strong understanding of user engagement and community features is also hi...

I need a website created for companionship services, with similar features and functionalities to www.elsilencio.cl. The job involves building a WordPress website that is solely in one language and only provides static information (i.e., no e-commerce functionality). Key Requirements: - Web Design: The website should have a similar design to , offering a clean and user-friendly interface that is tailored to the target audience of companionship seekers. - WordPress Expertise: The choice of CMS is WordPress, therefore the ideal candidate should be proficient in creating and customizing websites using this platform. - Language: The site will be in one language (Spanish) only, so fluency in Spanish is a plus. - SEO: Basic understanding of on-page SEO best practices is appreciated

I am in urgent need of an expert who specializes in setting up and configuring Microsoft Azure tenants. The following deliverables are expected: • Migrate the application from tenant to  tenant. • Set up Virtual Machines operating with Windows Server, Ubuntu, and Red Hat Enterprise Linux • Arrange Storage accounts • Provide App Services The main purpose for the creation of this tenant will be to host infrastructure. Preference will be given to those who have vast experience in Microsoft Azure setups, cloud solutions, virtual machine configurations, and infrastructure management. Experience with the specified operating systems will be an added advantage. The project needs a swift turnaround, so those with immediate availability will be preferred.

...is crucial. You should utilize all possible local targeting options that Google AdWords offers. - The campaign should be tailored towards individuals seeking services. This means the language, the ad copies, and the landing pages should be crafted to appeal to this audience. Ideal Skills and Experience: - Proven track record in creating and managing successful Google AdWords campaigns, with a focus on lead generation. - Strong understanding of how to effectively target a local audience using Google AdWords. - Experience with service-oriented businesses and understanding of how to tailor campaigns towards individuals seeking services. - Exceptional copywriting skills to create engaging ad copies. - Create landing pages - be able to work with Craft CMS () Please provide

I am seeking a skilled professional who can assist in cost estimation and budgeting for a commercial construction project. Your role will be pivotal in helping create a budget that reflects the scale and requirements of my project. Key Responsibilities: - Produce accurate cost estimates for the project - Develop a transpa...Ideal experience and skills: - Proven experience in cost estimation for commercial construction projects - Exceptional budgeting skills - Knowledge of commercial construction processes and expenses - Attention to detail is a must - Excellent communication skills in order to present and explain the budget. If you possess these skills and you're confident in your ability to facilitate smooth financial planning for commercial construction project, then I we...

...Arab Emirates. Introducing GCC Tax Laws GPT GCC Tax Laws GPT leverages the power of Generative Pre-trained Transformers (GPT) technology to create an intelligent and user-friendly solution for GCC Tax Laws compliance. Here's how it will work: • Automated Data Analysis: GCC Tax Laws GPT will be trained on vast amounts of GCC Tax Laws data, enabling it to analyze invoices, receipts, and other financial documents accurately. • Personalized GCC Tax Laws Guidance: GCC Tax Laws GPT will analyze your company's specific GCC Tax Laws profile and generate customized reports and recommendations for optimized GCC Tax Laws compliance. • Reduced Errors: GCC Tax Laws GPT's ability to analyze complex GCC Tax Laws rules will significantly minimize errors in calcul...

Seeking a reliable part-time QuickBooks Online expert to perform recurrent tasks on a weekly basis. Primary responsibilities include: - Reconciling accounts - Running financial reports - Performing data entry and categorization Ideal candidates should have proficient knowledge and hands-on experience with QuickBooks Online. Engagement, reliability, and detail-orientation are essential attributes for success in this role. Prior experience in accounting and bookkeeping will be advantageous. Goals of this project include maintaining precise financial records, improving our financial transparency, and making insightful business decisions based on accurate reports. Your diligence and expertise are key to achieving this.

We are seeking a proactive and dedicated Full-Time Customer Service/Project Manager to join our team and be a part of our start-up Home Services Business. You'll be the go-to person for our clients and the mastermind behind project management. This role requires flexibility, as you'll be working in US hours - EST (3pm SAST – 11pm SAST). Interested? Role Responsibilities: • Customer Support Specialist: Resolving Issues & Ensuring Satisfaction • Operational Efficiency Guru: Providing Tech Solutions & Support • HR Support Champion: Recruiting, Training, and Coaching Staff • Service Team Leader: Setting Expectations & Performance Reviews • Financial Wizard: Budgeting and Forecasting for Success • Service Enhancement Expe...

...should include a gallery of photos and videos of the escort. - Detailed Service Descriptions: Alongside the visual content, detailed descriptions of the services offered by each escort should be included. - User Ratings and Reviews: The site must allow users to rate and review the escorts, providing feedback for other visitors. Additional Portfolio Information: - Age and Nationality: I'd like users to see the age and nationality of each escort. - Availability: Information on the availability schedule of each escort should be included. - Rates and Extra Services: The site should also provide details on the rates and any additional services offered by the escorts. Ideal candidates for this project would have experience in developing similar websites, be fluent ...

financial model as discussed over chat

I'm looking for a talented financial writer with a keen eye for detail, capable of creating 1 to 10 demo bank statements specifically for a business account. - Required Format: The bank statements need to be in PDF format. - Account Type: The statements should reflect transactional activity for a business account. Ideal skills include: - Familiarity with financial statement preparation - Proficient in PDF generation - Previous experience creating bank statements or similar financial documents. By the end of this project, I expect professionally drawn-up bank statements that mimic authentic business transaction flows. Apply if you're well-versed in financial terminologies and possess excellent writing standards. Must include account numbers to be ...

I'm in need of a skilled backend developer to create the multi tenant application with below instructions; Tech Stack: Spring Boot 3.1.11, JDK 17 or 21, MySQL Usecase: 1. As a super admin I would be able to onboard a new tenant(example: school). Whenever superAdmin does that then new new database can be created dynamically in mysql. And the user_details, product, services tables need to be created. 2. There should be a table "tenant_master" which should have information of all tenant databases. like hostname, port, username, password, connection_string, tenant_name, status. One entry should come to this table when we are onboarding a tenant. 2. Need to configure the Spring Security with JWT authentication. 3. I can be able to login as school admin and JWT token ...

I'm seeking a skill...visually appealing and consistent with my brand. I am a Real Estate Listing Agent and I sell homes that already have Solar on them. My Tag line is "Sell for more...with Solar Stevens" Solar Stevens is the charecter, that provides free advice, and is happy to help any consumer when answering questions about Real Estate/ Mortgage/ Insurance and Solar...regardless if they are going to use my services or not. I am channeling the 80's when things were simple, and people were allowed to ask questions and not be afraid to get 8000 calls to solicit them after. I want Solar Stevens to be, friendly, knowledgable, capable, honest, and an approachable charecter, have it resemble the person in the photo attached. I hope all this helps. Thank ...

I'm seeking an expert in Ninjatrader 7 (NT7) coding to bring new functionalities to my platform. The core requirements of my project are: - Incorporating...project are: - Incorporating Custom Indicators into NT7: I need you to hard code specific elements into the system for customized utilization on the chart trader. - Advanced Charting Features: I would require the integration of advanced charting features in NT7. Chart trader modifications. As a freelancer, you should ideally have: - Proven experience in coding for Ninjatrader 7. - Knowledge of financial markets, trading systems, and indicators. - High-level skills in coding and data visualization. Join me in upgrading the potential of my NT7 trading platform. Counting on your expertise to make trading more insightful...

I'm in need of a modern logo for my credit repair and funding business, PalJuarez Consulting. The logo should be bold, incorporating financial symbols like currency or graphs. Ideal skills for this project: - Logo design experience - Strong understanding of modern design aesthetics - Proficiency in using financial symbols in design - Ability to create a bold, eye-catching logo - Understanding of branding and business image. I'm looking for a designer who can translate the essence of my business into a visually appealing and professional logo. A keen eye for balance and color is crucial. Please provide a portfolio that showcases similar work.

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I am seeking expert wordpress api developer who intigate job post using API urgent hiring About the task: - Your main responsiblity will be to seamlessly integrate external services into my site, aiding in the enhancement of my platform's functionality and user experience. Ideal Skills & Experience: - Proven experience in WordPress API development and integration - Demonstratable knowledge of various API platforms for integration - Problem-solving abilities and attention to detail - Excellent communication skills The timeline for the project wasn't specified, but we would appreciate regular progress updates and someone who is prepared to begin working on the project immediately.

I want assistance in creating an AI Chatbot tailored to provide tutoring services to high school students. This chatbot will be built on three platforms: WhatsApp, Messenger, and the Web. Key Features: * Natural language processing * Personalized learning recommendations * Real-time tracking of a student's learning progress I'm seeking a professional with experience in AI and chatbot development who can incorporate these features effectively. Critical to this project is the ability to design an intuitive and engaging learning experience for students. A background in education technology or related field would be a bonus. The end product should be a dynamic tool that aids in studying, responds fluently, suggests personalized study materials, and keeps a record of each ...

I...spa industry and have experience in menu creation. Key deliverables include: - Inclusion of these services: Facials, Body treatments, Lasers, Injectables - Incorporating specific types of facials: Hydrating, Anti-aging, and Acne treatment - Designing and explaining specific types of body treatments: Cellulite treatments The project involves understanding my med spa's target market and ensuring the menu is attractive and informative for potential clients. Ideal skills and experience for this job include: - Previous experience in med spa menu creation - Knowledge of the med spa industry - Strong communication and design skills - Understanding of the target market and ability to tailor services accordingly Please include examples of your previous work in similar p...

I am interested in hiring your services for the development of the second stage of the project in which you already helped us.

...in need of a skilled Shopify developer to create an eCommerce website for my business. Key Elements: - The site requires a product catalog where I can easily add and manage physical products. - A user-friendly shopping cart is needed for seamless customer transactions. - The website needs a payment gateway integration for secure and efficient payment processing. - Besides physical products, services will also be listed on the website. Experience and Skills Required: - Proven experience in Shopify development, with a strong portfolio of successful eCommerce websites. - Proficiency in creating and managing product catalogs, shopping carts, and payment gateways. - Understanding of e-commerce best practices and security measures. - Ability to create a visually appealing and user-f...

I am seeking a partner who can guide me through the fundraising process for my travel technology startup, based in India. Our company aims to provide comprehensive technological resources to travel agents, including: - Booking management system - Client management system - Hotel booking capabilities - Real-time updates for all necessary information We aspir...hassle-free experience for travel agents and the Traveller. I need someone who has experience in securing investments for similar projects. An in-depth understanding of the tech startup environment in India and solid connections with potential investors would be highly advantageous. The ideal fit would be someone who not only can help in raising funds but also can provide strategic advice on financial management and growth s...