3374 Lap Jobs - Page 23

We are looking for a highly motivated and results-driven individual to join our team as a Customer Service Representative in Agra. The ideal candidate will have 1-6 years of experience in sales, customer service, or a related field. Roles and Responsibility Achieve business targets by acquiring new client relationships and maintaining existing ones. Identify target areas for prospective business and pre-screen customer segments according to organizational norms. Ensure login and disbursement numbers meet organizational requirements. Proactively understand customer needs and cross-sell multiple products. Execute sales promotion activities to build customer interest in the TCFSL brand. Build strong client relationships both internally and externally, and establish a strong brand identity with potential customers. Job Graduate in any discipline. Possess excellent communication and interpersonal skills. Demonstrate the ability to work in a fast-paced environment and meet sales targets. Exhibit strong analytical and problem-solving skills. Be capable of building strong distribution channels and ensuring vendor empanelment. Ensure compliance with all Audit/RBI regulations.

We are looking for a highly motivated and results-driven individual with 2 to 7 years of experience to join our team as a Customer Service Representative in Madurai. The ideal candidate will have excellent communication skills, a strong background in sales, and the ability to build strong client relationships. Roles and Responsibility Achieve business targets by acquiring new client relationships and maintaining existing ones. Identify target areas for prospective business and pre-screen customer segments according to organizational norms. Ensure high customer satisfaction levels by proactively understanding their needs and cross-selling multiple products. Execute sales promotion activities to build customer interest in the TCFSL brand. Build strong client relationships both internally and externally, and develop a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Job Graduate in any discipline with a strong academic record. Minimum 2 years of experience in sales or customer service, preferably in housing or financial services. Excellent communication and interpersonal skills, with the ability to work effectively in a team environment. Strong problem-solving and analytical skills, with attention to detail and accuracy. Ability to meet sales targets and achieve business objectives. Familiarity with audit and RBI regulations, with a commitment to compliance and quality standards. Additional Info The company offers a dynamic and supportive work environment, with opportunities for growth and development.

We are looking for a highly motivated and experienced Branch Manager to lead our microfinance business in Jaipur. The ideal candidate will have 2-5 years of experience in sales or related fields, with a strong background in relationship management, business sourcing, and sales. Roles and Responsibility Ensure achievement of disbursement targets with minimum delinquency. Identify joint liability groups and disbursed loans to suit target customers and geographies. Enable business growth by developing and managing teams across assigned territories. Assess potential client base and product acceptability in new regions. Manage disbursement, repayment, and delinquency, achieving daily/weekly collections targets. Conduct regular field visits, centre meetings, and loan applications. Maintain portfolio quality by tracking and controlling normal dues, non-starters, delinquency, and frauds. Build strong client relationships both internally and externally to establish a strong brand identity with potential customers. Ensure weekly/daily meetings and visits to the centre. Job Graduate in any discipline. Strong understanding of microfinance business and JLG model working is preferred. Excellent relationship management and business sourcing skills. Ability to work in a fast-paced environment and meet sales targets. Strong customer service skills and ability to understand critical attributes of customer service. Experience as a sales officer in microfinance business is an added advantage.

We are looking for a highly motivated and experienced Relationship Manager to join our team in Hyderabad. The ideal candidate will have 6-11 years of experience in sales, preferably in the housing or financial services industry. Roles and Responsibility Aggressively drive sales numbers and achieve business targets for home loans and through cross-selling while enhancing client relationships. Retain and expand the company''s customer base for home loan and LAP channel to ensure repeat business or referrals. Maximize sales through a network of DSAs by effectively managing connector and builder relationships. Develop and maintain strong client relationships for repeat business or referrals. Identify and develop new builder/channel relationships to penetrate new markets and increase business. Ensure files are processed from login stage to disbursement and liaise with internal departments for completion. Job Graduate or Postgraduate degree. Minimum 6 years of experience in sales, preferably in housing or financial services. Strong understanding of sales planning, team management, and industry trends. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet sales targets. Strong analytical and problem-solving skills. Experience in managing teams and developing new business opportunities. Familiarity with audit/NHB regulations and compliance processes. Understanding of market trends and competitor intelligence to build effective sales and marketing strategies. Providing feedback to the central product and policy team to stay ahead in the market. Ensuring compliance with all audit/NHB regulations and company-designed processes, policies, and reports. Additional Info The selected candidate will be required to lead and supervise a team of relationship managers to implement the growth agenda through training, motivation, and deployment strategies.

We are looking for a highly skilled and experienced Relationship Manager to join our team in Faridabad. The ideal candidate will have 2 to 7 years of experience in sales, preferably in the banking or financial services industry. Roles and Responsibility Originate new business prospects through direct sourcing and open market channels. Acquire customers and manage their proposals up to disbursement. Meet existing customers to generate business opportunities and revenue. Cater to businesses with various working capital facilities such as overdraft, cash credit, dealer finance, vendor finance, letter of credit, bank guarantee, term loan, etc. Manage customer relationships and address service and sales queries. Identify new segments and set up new trade verticals for prospective business opportunities. Job Post Graduate or Graduate in any discipline. Minimum 2 years of experience in sales, preferably in banking or financial services. Possess strong skills in relationship management, sales, and customer service. Demonstrate the ability to work in a fast-paced environment and meet sales targets. Exhibit excellent communication and interpersonal skills. Strong analytical and problem-solving skills are required.

We are looking for a highly motivated and results-driven professional with 2 to 7 years of experience to join our team as a Customer Service Representative in Bengaluru. The ideal candidate will have a strong background in sales and customer service, with excellent communication and interpersonal skills. Roles and Responsibility Achieve business targets by acquiring new client relationships and maintaining existing ones. Identify target areas for prospective business and pre-screen customer segments according to organizational norms. Ensure high customer satisfaction levels by proactively understanding customer needs and cross-selling multiple products. Execute sales promotion activities to build customer interest in the TCFSL brand. Build strong client relationships both internally and externally, and establish a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels and ensure compliance with all Audit/RBI regulations. Job Graduate in any discipline. Minimum 2 years of experience in sales or customer service. Possess strong knowledge of banking and financial services. Demonstrate excellent communication, interpersonal, and problem-solving skills. Ability to work in a fast-paced environment and meet sales targets is essential. Strong analytical and negotiation skills are required.

We are looking for a highly motivated and results-driven Customer Sales Executive to join our team in Dibrugarh. The ideal candidate will have 1-3 years of experience in sales, preferably in the banking or financial services industry. Roles and Responsibility Perform customer retention activities under the guidance of the Supervisor/Manager. Identify potential business opportunities with customers. Collect and validate customer documents according to organizational norms. Log cases in the system as per SOP and follow the disbursement process. Fulfill the sanction ratio as required by the organization. Meet customer needs and cross-sell multiple products under the guidance of the Supervisor/Manager. Assist in empaneling new vendors and developing relationships with them. Ensure compliance with all Audit/RBI regulations with the help of the Manager/Supervisor. Job Minimum 1 year of experience in sales, preferably in banking or financial services. Strong communication and interpersonal skills. Ability to work in a fast-paced environment and meet targets. Knowledge of audit and RBI regulations. Any graduate degree is acceptable. Experience in two-wheeler loans is an added advantage. About Company TATA CAPITAL LIMITED is a leading player in the banking and financial services industry, committed to providing exceptional customer experiences and driving business growth.

We are looking for a highly motivated and results-driven individual with 2 to 7 years of experience to join our team as a Customer Service Representative in Medak, Maharashtra. The ideal candidate will have excellent communication skills and the ability to work in a fast-paced environment. Roles and Responsibility Achieve business targets by acquiring new client relationships and maintaining existing ones. Identify target areas for prospective business and pre-screen customer segments according to organizational norms. Ensure high customer satisfaction levels by proactively understanding their needs and cross-selling multiple products. Execute sales promotion activities to build customer interest in the TCFSL brand. Build strong client relationships both internally and externally, and establish a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels and ensure compliance with all Audit/RBI regulations. Job Graduate in any discipline. Minimum 2 years of experience in sales or customer service. Possess strong knowledge of banking and financial services. Demonstrate excellent communication and interpersonal skills. Ability to work in a team environment and meet sales targets. Strong analytical and problem-solving skills are essential.

We are looking for a highly skilled and experienced Relationship Manager to join our team in Nashik. The ideal candidate will have 4 to 9 years of experience in sales, preferably in the banking or financial services industry. Roles and Responsibility Originate new business prospects through direct sourcing and open market channels. Acquire customers and manage their proposals up to disbursement. Meet existing customers to generate business opportunities and revenue. Cater to businesses with various working capital facilities such as overdraft, cash credit, dealer finance, vendor finance, letter of credit, bank guarantee, term loan, etc. Manage customer relationships and address service and sales queries. Identify new segments and set up new trade verticals for prospective business opportunities. Job Post Graduate or Graduate in any discipline. Minimum 4 years of experience in sales, preferably in the banking or financial services industry. Possess strong skills in relationship management, sales, and customer acquisition. Demonstrate the ability to work effectively in a fast-paced environment and meet sales targets. Exhibit excellent communication and interpersonal skills. Strong analytical and problem-solving skills are required. For more information, please contact us at 6588641.

We are looking for a highly motivated and experienced Customer Sales Executive to join our team in Belagavi. The ideal candidate will have 1 to 6 years of experience in sales, preferably in the banking or financial services industry. Roles and Responsibility Perform customer retention activities under the guidance of the Supervisor/Manager. Identify potential business opportunities with customers. Collect and validate customer documents according to organizational norms. Log cases in the system as per SOP and follow the disbursement process. Fulfill the sanction ratio as required by the organization. Meet customer needs and cross-sell multiple products with guidance from the Supervisor/Manager. Assist in empaneling new vendors and developing relationships with them. Ensure compliance with all Audit/RBI regulations with the help of the Manager/Supervisor. Job Minimum 1 year of experience in sales, preferably in banking or financial services. Strong communication and interpersonal skills. Ability to work in a fast-paced environment and meet targets. Knowledge of audit and RBI regulations is an added advantage. Any graduate degree is required. Experience in two-wheeler loans is preferred. About Company TATA CAPITAL LIMITED is a leading player in the banking and financial services industry, committed to providing exceptional customer experiences and driving business growth.

We are looking for a highly motivated and results-driven professional with 2 to 7 years of experience to join our team as a Customer Service Representative in Gurgaon, Sector 14. The ideal candidate will have a strong background in sales and customer service, with excellent communication and interpersonal skills. Roles and Responsibility Achieve business targets by acquiring new client relationships and maintaining existing ones. Identify target areas for prospective business and pre-screen customer segments according to organizational norms. Ensure high customer satisfaction levels by proactively understanding customer needs and cross-selling multiple products. Execute sales promotion activities to build customer interest in the TCFSL brand. Build strong client relationships both internally and externally, and develop a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Job Graduate in any discipline. Minimum 2 years of experience in sales or customer service. Possess strong knowledge of banking and financial services. Demonstrate excellent communication, interpersonal, and problem-solving skills. Ability to work in a fast-paced environment and meet sales targets. Strong analytical and negotiation skills are required.

We are looking for a highly skilled and experienced Customer Service Executive to join our team in Delhi. The ideal candidate will have 2-5 years of experience in customer service, preferably in the banking or financial services industry. Roles and Responsibility Perform various tasks under the guidance of the Supervisor/Manager. Identify potential business customers with the help of the Supervisor/Manager. Collect and validate customer documents according to organizational norms. Log cases in the system as per SOP and follow the disbursement process. Fulfill the sanction ratio as per organizational requirements. Meet customer needs and cross-sell multiple products under the guidance of the Supervisor/Manager. Empanel new vendors and develop relationships with them. Ensure compliance with all Audit/RBI regulations. Job Minimum 2 years of experience in customer service, preferably in banking or financial services. Strong knowledge of customer relationship management and customer service principles. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet targets. Strong analytical and problem-solving skills. Experience in direct sales and business loans is an added advantage. Any graduate can apply for this position. About Company TATA CAPITAL LIMITED is a leading player in the banking and financial services industry, committed to providing exceptional customer experiences and driving business growth.

We are looking for a highly skilled and experienced Relationship Manager to join our team in Ahmedabad. The ideal candidate will have 4 to 6 years of experience in sales, preferably in the banking or financial services industry. Roles and Responsibility Originate new-to-business prospects through direct sourcing and open market channels. Acquire customers and manage their proposals up to disbursement. Meet existing customers to generate business opportunities and revenue. Cater to businesses with various working capital facilities such as overdraft, cash credit, dealer finance, vendor finance, letter of credit, bank guarantee, term loan, etc. Manage customer relationships and address service and sales queries. Identify new segments and set up new trade verticals for prospective business opportunities. Job Post Graduate or Graduate in any discipline. Minimum 4 years of experience in sales, preferably in banking or financial services. Possess strong skills in relationship management, sales, and customer service. Demonstrate the ability to work effectively in a fast-paced environment and meet sales targets. Exhibit excellent communication and interpersonal skills. Strong analytical and problem-solving skills are required.

We are looking for a highly motivated and results-driven individual with 6 to 11 years of experience to join our team as a Customer Service Representative in the Sales department, located in Hyderabad. The ideal candidate will have a strong background in sales and customer service, with excellent communication and interpersonal skills. Roles and Responsibility Achieve business targets by acquiring new client relationships and maintaining existing ones. Identify target areas for prospective business and pre-screen customer segments according to organizational norms. Ensure high customer satisfaction levels by proactively understanding customer needs and cross-selling multiple products. Execute sales promotion activities to build customer interest in the TCFSL brand. Build strong client relationships both internally and externally, and establish a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels and ensure compliance with all Audit/RBI regulations. Job Graduate in any discipline. Minimum 6 years of experience in sales or customer service. Possess strong knowledge of banking operations, financial services, and broking. Demonstrate excellent communication, interpersonal, and problem-solving skills. Ability to work in a fast-paced environment and meet sales targets is essential. Strong analytical and negotiation skills are required.

We are looking for a highly motivated and results-driven Customer Sales Executive to join our team in Bengaluru. The ideal candidate will have 1-3 years of experience in sales, preferably in the banking or financial services industry. Roles and Responsibility Perform customer retention activities under the guidance of the Supervisor/Manager. Identify potential business opportunities with customers. Collect and validate customer documents according to organizational norms. Log cases in the system as per SOP and follow the disbursement process. Fulfill the sanction ratio requirement. Meet customer needs and cross-sell multiple products under the guidance of the Supervisor/Manager. Empanel new vendors and develop relationships with them. Ensure compliance with all Audit/RBI regulations. Job Minimum 1 year of experience in sales, preferably in banking or financial services. Strong communication and interpersonal skills. Ability to work in a fast-paced environment and meet targets. Knowledge of audit and RBI regulations. Any graduate degree is required. Experience in two-wheeler loans is preferred. About Company TATA CAPITAL LIMITED is a leading player in the banking and financial services industry, committed to providing exceptional customer experiences and driving business growth.

We are looking for a skilled Technical Manager to join our team in Salem, responsible for technical valuation and housing projects. The ideal candidate will have a strong background in technical management and valuation. Roles and Responsibility Manage and oversee the technical aspects of housing projects. Conduct site visits to ensure compliance with technical standards. Collaborate with cross-functional teams to resolve technical issues. Develop and implement technical solutions to improve project efficiency. Analyze data and reports to identify trends and areas for improvement. Provide technical guidance and support to junior team members. Job Strong knowledge of technical management and valuation principles. Excellent communication and problem-solving skills. Ability to work independently and as part of a team. Proficient in using software and tools for technical analysis. Strong attention to detail and organizational skills. Ability to adapt to changing priorities and deadlines. A graduate or postgraduate degree is required.

We are looking for a highly motivated and results-driven individual with 6 to 11 years of experience to join our team as a Customer Service Representative in Nizamabad. The ideal candidate will have a strong background in sales and customer service, with excellent communication and interpersonal skills. Roles and Responsibility Achieve business targets by acquiring new client relationships and maintaining existing ones. Identify target areas for prospective business and pre-screen customer segments according to organizational norms. Ensure high customer satisfaction levels by proactively understanding customer needs and cross-selling multiple products. Execute sales promotion activities to build customer interest in the TCFSL brand. Build strong client relationships both internally and externally, and establish a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels and ensure compliance with all Audit/RBI regulations. Job Graduate in any discipline. Minimum 6 years of experience in sales or customer service. Possess strong knowledge of banking and financial services. Demonstrate excellent communication, interpersonal, and problem-solving skills. Ability to work in a fast-paced environment and meet sales targets. Strong analytical and negotiation skills are essential.

We are looking for a highly motivated and results-driven individual with 2 to 7 years of experience to join our team as a Customer Service Representative in Erode. The ideal candidate will have excellent communication skills, a strong background in sales, and the ability to build strong client relationships. Roles and Responsibility Achieve business targets by acquiring new client relationships and maintaining existing ones. Identify target areas for prospective business and pre-screen customer segments according to organizational norms. Ensure high customer satisfaction levels by proactively understanding their needs and cross-selling multiple products. Execute sales promotion activities to build customer interest in the TCFSL brand. Build strong client relationships both internally and externally, and develop a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Job Graduate in any discipline. Minimum 2 years of experience in sales or customer service. Possess strong knowledge of banking and financial services. Demonstrate excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet sales targets. Strong analytical and problem-solving skills are essential. Experience in housing loan sales is an added advantage. About Company TATA CAPITAL LIMITED is a leading player in the banking and financial services industry, committed to providing exceptional customer experiences and driving business growth.

We are looking for a highly motivated and results-driven professional with 2 to 7 years of experience to join our team as a Customer Service Representative in the retail sales channel, specifically in housing - DM - Bengaluru - Krishna Tower (TCHFL) - J Grades. The ideal candidate will have a strong background in customer service and sales, with excellent communication and interpersonal skills. Roles and Responsibility Achieve business targets by acquiring new client relationships and maintaining existing ones. Identify target areas for prospective business and pre-screen customer segments according to organizational norms. Ensure high customer satisfaction levels by proactively understanding their needs and cross-selling multiple products. Execute sales promotion activities to build customer interest in the TCFSL brand. Build strong client relationships both internally and externally, and establish a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels and ensure compliance with all Audit/RBI regulations. Job Graduate in any discipline. Minimum 2 years of experience in customer service or sales. Possess strong knowledge of banking and financial services. Demonstrate excellent communication, interpersonal, and problem-solving skills. Ability to work in a fast-paced environment and meet sales targets is essential. Strong analytical and negotiation skills are required.

We are looking for a highly motivated and experienced professional to join our team as a Customer Service Representative in Kanchipuram. The ideal candidate will have 1 to 6 years of experience in sales, customer service, or a related field. Roles and Responsibility Achieve business targets by acquiring new client relationships and maintaining existing ones. Identify target areas for prospective business and pre-screen customer segments according to organizational norms. Ensure login and disbursement numbers meet requirements. Proactively understand customer needs and cross-sell multiple products. Execute sales promotion activities to build customer interest in the TCFSL brand. Build strong client relationships both internally and externally to establish a strong brand identification with potential customers. Job Graduate in any discipline. Strong communication and interpersonal skills. Ability to work in a fast-paced environment and meet sales targets. Experience in customer service, sales, or a related field is preferred. Knowledge of audit/RBI regulations and compliance procedures. Ability to develop strong distribution channels and vendor empanelment. Ensure compliance with all Audit/RBI regulations.

We are looking for a highly motivated and experienced Relationship Manager to join our team in Salem. The ideal candidate will have 2 to 7 years of experience in sales, preferably in the banking or financial services industry. Roles and Responsibility Originate new business prospects through direct sourcing and open market channels. Acquire customers and manage their proposals up to disbursement. Meet existing customers to generate business opportunities and revenue. Cater to businesses with various working capital facilities such as overdraft, cash credit, dealer finance, vendor finance, letter of credit, bank guarantee, term loan, etc. Manage customer relationships and address service and sales queries. Identify new segments and set up new trade verticals for prospective business opportunities. Job Post Graduate or Graduate in any discipline. Minimum 2 years of experience in sales, preferably in banking or financial services. Possess strong skills in relationship management, sales, and customer service. Demonstrate the ability to work in a fast-paced environment and meet sales targets. Exhibit excellent communication and interpersonal skills. Strong analytical and problem-solving skills are required.

We are looking for a highly skilled and experienced Relationship Manager to join our team in Hyderabad. The ideal candidate will have 2 to 7 years of experience in sales, preferably in the automotive industry. Roles and Responsibility Originate new business prospects through direct sourcing and open market channels. Acquire customers and manage their proposals up to disbursement. Meet existing customers to generate business opportunities and revenue. Cater to businesses with various working capital facilities such as overdraft, cash credit, dealer finance, vendor finance, letter of credit, bank guarantee, term loan, etc. Manage customer relationships and address service and sales queries. Identify new segments and set up new trade verticals for prospective business opportunities. Job Post Graduate or Graduate in any discipline. Minimum 2 years of experience in sales, preferably in the automotive industry. Strong knowledge of commercial vehicle sales and financial services. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet sales targets. Experience in managing customer relationships and addressing service and sales queries.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Tata Capital Limited in Kozhikode. The ideal candidate will have 2 to 7 years of experience in sales, preferably in the banking or financial services industry. Roles and Responsibility Originate new business prospects through direct sourcing and open market channels. Acquire customers and manage their proposals up to disbursement. Meet existing customers to generate business opportunities and revenue. Cater to businesses with various working capital facilities such as overdraft, cash credit, dealer finance, vendor finance, letter of credit, bank guarantee, term loan, etc. Manage customer relationships and address service and sales queries. Identify new segments and set up new trade verticals for prospective business opportunities. Job Post Graduate or Graduate in any discipline. Minimum 2 years of experience in sales, preferably in banking or financial services. Possess strong skills in relationship management, customer acquisition, and business development. Demonstrate the ability to work effectively in a fast-paced environment and meet sales targets. Exhibit excellent communication and interpersonal skills. Strong analytical and problem-solving skills are required.

We are looking for a highly motivated and experienced Customer Sales Executive to join our team in Kanpur. The ideal candidate will have 1-3 years of experience in sales, preferably in the banking or financial services industry. Roles and Responsibility Perform customer retention activities under the guidance of the Supervisor/Manager. Identify potential business opportunities with customers. Collect and validate customer documents according to organizational norms. Log cases in the system as per SOP and follow the disbursement process. Fulfill the sanction ratio requirement. Meet customer needs and cross-sell multiple products with the help of the Supervisor/Manager. Empanel new vendors and develop relationships with them. Ensure compliance with all Audit/RBI regulations. Job Minimum 1 year of experience in sales, preferably in banking or financial services. Strong communication and interpersonal skills. Ability to work in a fast-paced environment and meet targets. Knowledge of auditing and RBI regulations. Experience in empaneling new vendors and developing relationships. Ability to work independently and as part of a team. About Company TATA CAPITAL LIMITED is a leading player in the banking and financial services industry, committed to providing exceptional customer experiences and driving business growth.

We are looking for a highly skilled and experienced Relationship Manager to join our team in Rajkot. The ideal candidate will have 1 to 6 years of experience in sales, preferably in the banking or financial services industry. Roles and Responsibility Originate new business prospects through direct sourcing and open market channels. Acquire customers and manage their proposals up to disbursement. Meet existing customers to generate business opportunities and revenue. Cater to businesses with various working capital facilities such as overdraft, cash credit, dealer finance, vendor finance, letter of credit, bank guarantee, term loan, etc. Manage customer relationships and address service and sales queries. Identify new segments and set up new trade verticals for prospective business opportunities. Job Post Graduate or Graduate in any discipline. Minimum 1 year of experience in sales, preferably in banking or financial services. Possess strong skills in relationship management, sales, and customer service. Demonstrate the ability to work effectively in a fast-paced environment and meet sales targets. Exhibit excellent communication and interpersonal skills. Strong analytical and problem-solving skills are required.