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10.0 - 15.0 years

10 - 20 Lacs

Mumbai

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To lead the estimation function for turnkey construction and engineering projects involving HVAC, Cleanroom Systems, Electricals, Utilities, and Process Machinery. The role focuses on standardizing estimation practices, enhancing team capability, ensuring bid accuracy, and supporting profitability through robust cost estimation and risk analysis. Key Accountabilities: 1. Estimation Management Develop and implement standardized procedures for cost estimation across diverse engineering disciplines. Lead and manage the preparation of BOQs, costing, pricing strategies , and client proposals. Ensure accuracy and completeness of cost estimates in line with project requirements and industry benchmarks. 2. Team Leadership Lead a team of estimators , guiding and mentoring them to deliver high-quality, timely cost estimates. Conduct regular training , knowledge-sharing sessions, and performance reviews to enhance team capabilities. 3. Cost Control & Monitoring Track actual project costs versus estimates to identify variances and areas for improvement. Recommend cost optimization strategies and implement corrective actions as needed during execution. 4. Review and Approval Review all estimates prior to submission, ensuring alignment with client expectations , internal margins, and quality benchmarks. Approve final bid submissions and provide justifications to senior leadership and business development teams. 5. Technology & Tools Integration Research and implement advanced estimation software/tools to improve process efficiency. Ensure team is trained and proficient in using digital estimation platforms. 6. Risk Assessment & Mitigation Identify technical, commercial, and operational risks in project estimates. Propose and implement risk mitigation strategies during the estimation phase to safeguard margins and execution feasibility. Required Experience: Minimum 10 years of experience in cost estimation for engineering and construction projects. Proven success in estimating HVAC, Cleanroom, Electricals, Utilities, and Process Machinery projects. Prior experience in leading estimation teams and managing multiple tenders simultaneously. Sound knowledge of contracting norms, industry codes , and commercial terms in infrastructure projects. Key Skills: Cost Estimation & Analysis Team Leadership & Coordination Project Cost Control Risk Management & Value Engineering Proficiency in Estimation Software (e.g., Candy, SAP, MS Project, AutoCAD, Excel) Strong Commercial Acumen Attention to Detail and Analytical Thinking Bid Preparation & Client Communication Knowledge Areas: HVAC, Electrical, Cleanroom, and Utility systems Engineering codes, construction materials, and industry specifications Cost benchmarks and labor productivity norms Knowledge of tender documentation and BOQ formats Awareness of latest market trends and pricing developments in the engineering sector

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1.0 - 5.0 years

2 - 4 Lacs

Faridabad

Hybrid

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Location: On-premise or Remote both || Additional Benefits: Project based incentives We are seeking a motivated Bidding Executive to join our dynamic team. The ideal candidate will be responsible for managing the end-to-end bid management process. This role requires hands-on experience with bidding platforms and the ability to coordinate with multiple departments to deliver quality proposals within tight deadlines. Key Responsibilities: Prepare customized, high-quality proposals that effectively communicate the company's expertise aligned with the client's requirements. Handle initial communication with potential clients to clarify project details and ensure a smooth handover to the appropriate team. Relevant hands-on experience with online bidding portals such as Upwork, Freelancer, and Guru to identify and pursue new opportunities. Maintain and update the company's profile and portfolio on freelancing platforms to increase visibility and credibility. Monitor submitted bids, track progress, and engage in follow-up communication to answer queries or provide further details. Work closely with project manager, technical staff to gather insights for accurate and competitive bids. Stay up-to-date with industry trends, competitor activities, and client demands to refine bidding techniques. Analyze bidding performance and prepare reports to inform management of success rates and improvement areas. Qualifications: Previous experience as a Bidding Specialist, Proposal Writer, or related role, preferably with experience in Upwork or similar platforms. Ability to manage multiple projects at once. Experience in project estimation, and initial client communication. Ability to work effectively within a team environment, as well as independently. Proficiency with project management tools and Microsoft Office/Excel and Google Sheets/Documents. Benefits: Competitive salary Opportunities for career growth Dynamic work environment Performance-based incentives

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5.0 - 10.0 years

18 - 32 Lacs

Bengaluru

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1. Exposure to Banking (Retail & Corporate): Experience with retail banking (services to individual customers) and corporate banking (services to businesses). Understanding of banking products and services, particularly loans. 2. Knowledge of RFP Lifecycle: Familiarity with the Request for Proposal (RFP) process, including creation, submission, and evaluation stages. Ability to manage and respond to RFPs efficiently. 3. Proposals Preparation: Crafting proposals that effectively communicate solutions and offerings. Tailoring proposals to meet specific client needs and requirements. 4. Customer Demos: Conducting demonstrations of products or services for customers independently. Clearly explaining features, benefits, and usage to potential clients. 5. Prepare Collaterals & Competition Assessment: Developing marketing and sales collateral such as brochures, presentations, and whitepapers. Analysing competitors to understand their offerings and identify competitive advantages. 6. Understanding of Digital Channels Landscape: Knowledge of digital banking channels such as online banking, mobile banking, and other fintech solutions. Keeping abreast of trends and innovations in the digital banking space.

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6.0 - 9.0 years

8 - 11 Lacs

Bengaluru

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Support end-to-end AMS Solutioning, Bid Coordination, Proposal and Response development End-to-end solutioning of AMS proactive and reactive (RFx) proposals for multi-practice/capability deals Working with members of Pursuit team, solution teams (technical and functional experts), and other support functions Responsible to drive & work closely with the customer, sales, solutions and delivery team to create winning proposals Support specific initiatives identified and assigned by WinCenter Solution Design Develop and design AMS solutions tailored to client needs, including costing, staffing, and commercial models Technical Leadership Provide technical guidance and leadership in areas such as application modernization Presales Support Engage in presales activities, responding to RFIs/RFPs, and demonstrating solution capabilities Bid Management Participate in Bid Management for all pursuits other than AMS solutions if required Ensure all bid responses and proposals are properly planned, coordinated, and completed in line with the agreed timescales Drive response completion through collaboration with Practices, Sales, Marketing and Other functions specific to the RFI/RFP - Grade Specific Experience in bid managing/solutioning CX pursuits from Tier-1 or Tier-2 IT Services organisation Possess in-depth knowledge of proposal preparation, solutioning and collateral preparation. Standardize project management processes, bid management tools, documentation, and templates Highly organized and willing to take ownership of managing a repository of past proposals, collaterals and other documents created as part of Presales and Proposal development A natural flair for good technical writing and should be able to review technical proposals and solution descriptions Must have strong exposure to Presales in AMS across Global clients Have a fervour for Sales and understand the dynamics of Solution Selling Ability to interact with SMEs in a domain and technology space Good to have technical background on MS Technologies / Java Technologies / Mobile Development Any exposure/experience on any of these technologies will be an advantageSalesforce, MS-DX CRM, Commerce-B2B and B2C, Front-end/UI, Mobile Apps, Pega, Adobe Exp Manager, Sitecore

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4.0 - 9.0 years

3 - 8 Lacs

Hosur, Bengaluru

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Role & responsibilities Providing turnkey Assembly & testing solutions for Automotive, Engineering, medical devices & solar industries by preparing techno commercial proposal and converting in to order. Experience in SPM & Automation solutions Key Process understanding like Tightening ,Greasing ,Dispensing ,Welding ,Pressing ,Leak testing ,Robotic process automation Capable to understand requirement and selection. Concept & Layout preparation ,Bill of Material preparation ,Cycle time Preparation. Collaborate with cross-functional teams including customer,Supplier & Design to ensure seamless customer on boarding . Techno commercial offer preparation. Critical Brought out Selection & Supplier Negotiation. Calculations / Theoretical evaluations of process involved Peoduct sales in Pnuematrics / Hydraulics / Festo / Pressing cosncepts Understanding the RFQ/Customer requirement & proposing the right design concept Review of prepared detailed layout scheme & technical proposal Review of prepared BOM/cost estimation/cycle time diagram/documentation Negotiation & finalization of order Ensuring Documentation Also scan the market & Business Development On time submission of Techno commercial proposal which includes Layout scheme, Technical write up, BOM, Quotation Converting RFQ into order Meeting customer requirements and adhering to standards Meeting the order acquisition targets Acquiring new customers

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3.0 - 4.0 years

4 - 5 Lacs

Hyderabad

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Responsibilities: * Lead online bids, communicate with clients, generate leads, write proposals. * Prepare proposals, manage tenders, estimate costs, evaluate bids. Cafeteria Office cab/shuttle Food allowance Health insurance Employee state insurance Accidental insurance Provident fund Gratuity Annual bonus

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0.0 - 3.0 years

1 - 3 Lacs

Ghaziabad

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Responsibilities: * Prepare winning proposals within deadlines * Collaborate with sales team on bid strategy * Ensure compliance with company standards and policies * Manage proposal budget and resources effectively Proposal Engineer need to study Health insurance Provident fund

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1.0 - 3.0 years

2 - 3 Lacs

Pune

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A Marketing Engineer with technical background in Mechanical or Electrical Engineering. The candidate will be responsible for promoting technical products & services, engaging with clients & driving sales through technical knowledge & marketing. Required Candidate profile Engineering graduate with strong technical understanding and interest in marketing. Good communication, presentation, and analytical skills. Eager to start a career in technical sales and marketing.

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6.0 - 10.0 years

20 - 30 Lacs

Bengaluru

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Only candidates from Fintech or Banking backgrounds Notice Period: Immediate joiners or those with up to 30 days' notice Not eligible: Candidates with 60/90-day notice periods or those not serving notice. Previously submitted profiles should not be contacted again. Key Responsibilities & Requirements: 1. Banking Domain Expertise Exposure to both Retail and Corporate Banking Understanding of loan products and financial services 2. RFP Lifecycle Management Experience with end-to-end RFP processes Ability to manage timely submission and coordination 3. Proposal Preparation Crafting tailored, effective client proposals 4. Customer Demos Independently conducting client demos and explaining product functionality 5. Collateral & Competition Analysis Creating brochures, decks, and whitepapers Assessing competitor products and identifying differentiators 6. Digital Banking Expertise Knowledge of mobile/online banking and digital channels Awareness of fintech trends and innovations

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0.0 - 2.0 years

2 - 3 Lacs

Pune

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We are looking for a motivated Proposal Engineer to join our team. The candidate will support the sales &technical teams in preparing competitive and accurate proposals for engineering solutions based on client requirements and company capabilities. Required Candidate profile Graduate Engineer with strong understanding of bid management, cost estimation, and tendering with good technical knowledge, communication skills.

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3.0 - 8.0 years

14 - 20 Lacs

Gurugram

Hybrid

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Position Overview This position offers the chance to be part of a fast-paced environment where every proposal is an opportunity to drive business growth and make a lasting impact. This is an exciting opportunity to join a dynamic and growing team where your ability to craft compelling pitches and proposals will directly impact the success of the company. As a Proposal Development Consultant, you will play a pivotal role in shaping how we communicate our value proposition to clients while ensuring accuracy, compliance and professionalism and win new business. You will work in close collaboration with Project Directors, and subject matter experts to develop proposals that not only meet but exceed client expectations. Over time, you will become increasingly responsible for taking ownership of proposal resources and evolving our approach to proposal development, but always with the necessary support and oversight from more experienced colleagues when you need it. To learn more, please visit us at: www.prescienthg.com. Example Responsibilities The following are example responsibilities of this position and are, as such, not meant to be exhaustive, nor convey every responsibility that may vary over time, without changing the essence of this position: Conduct research to understand client needs, project requirements and gather information from internal stakeholders to include in the proposal. Conducting secondary research to get a firsthand understanding of the situation and complication for the ask in the proposal and putting context to business and project objectives To be able to draft visually stimulating, thought provoking PowerPoint slides with clear messaging and narrative Organize the proposal in a clear and logical structure, typically including sections like executive summary, project overview, methodology, timeline, budget, and qualifications. Work closely with subject matter experts (SMEs), project directors, and other team members to ensure the proposal content is accurate, relevant and differentiating in meeting the client needs. You will coordinate with various stakeholders to obtain necessary approvals and revisions before final submission. Ensure that proposals align with industry regulations, client requirements, and compliance standards. Ensure consistency in formatting, style, and layout throughout the proposal, adhering to company guidelines or client specifications ensuring clear, concise, and persuasive content that highlights the organization's strengths, services, and expertise. Handle multiple proposals simultaneously, prioritizing tasks to ensure timely submissions without compromising quality while managing deadlines and work within tight schedules to deliver proposals on time. Education, Experience, Knowledge & Other Skills The following criteria outline the minimum hiring criteria for this position, unless otherwise stipulated below as preferred,” or “a plus.” Undergraduate or advanced degree in life sciences, data sciences, business, or a related discipline, with 3 or more years’ experience in working on proposals consulting (preferably life sciences) with strong understanding of client needs and proposal development. Strong Proficiencies with MS Office suites, particularly PowerPoint Knowledge of the management consulting and/or life sciences industry is preferred Strong Communication skills, especially written: Strong business communication skills, both written and verbal, especially written. To be able to articulate the intelligence and insights in a coherent manner on slides Track record of proactive communication in the work environment, including proactively seeking feedback to improve capabilities. Collaboration: strong collaboration skills and proven ability to work well within teams Time Management & Organisation: demonstrated abilities to effectively support proposals to ensure on-time, and high-quality deliverables. Demonstrates high attention-to-detail and quality. Proven abilities to operate autonomously when needed and make decisions with confidence Influencing & Stakeholder Management: demonstrated ability to effectively manage routine interactions and communications with stakeholders Achieving Results: consistent track record of meeting or exceeding assigned goals and objectives We are committed to doing our part in the broader communities in which we work and live. As such, all employees will play their part in supporting our broader business mission, vision, purpose and the Prescient brand as well as our commitment toward optimising the social and environmental elements of our communities. We will support these efforts by ensuring regular communications, periodic trainings, volunteering, and other relevant activities. People managers will play a particularly active role in this by assuming responsibilities for certain social and environmental activities that we support as an overall organisation. We are an equal opportunity employer and fully comply with applicable legislation in all the geographies in which we operate. Applicants are considered for positions without regard to veteran status, uniformed service member status, race, colour, religion, sex, national origin, age, physical or mental disability, genetic information or any other category protected by applicable national, federal, state, or local laws.

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3.0 - 5.0 years

3 - 4 Lacs

Mumbai

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This is a full-time role for an Electrical Estimation Engineer at HVAX Technologies Ltd. The role will be to support the Electrical and Estimation team by providing accurate and timely cost estimations for electrical projects. The role involves analyzing project requirements, preparing detailed pricing proposals, and collaborating closely with the sales team to ensure client expectations are met. The position also focuses on improving estimation methodologies, maintaining up-to-date knowledge of industry trends, and ensuring effective vendor communication to optimize project cost and value. 1. Project Analysis Analyze project specifications and requirements provided by the sales team 2. Cost Estimation Prepare detailed pricing proposals and cost breakdowns for sales presentations and client submissions. 3. Collaboration Collaborate with the sales team to understand client needs and tailor cost estimates accordingly. 4. Industry Knowledge Maintain up-to-date knowledge of industry trends, pricing benchmarks, and cost factors. 5. Client Negotiations Provide support during negotiations with clients, offering insights into cost implications and alternatives. 6. Methodology Improvement Continuously evaluate and improve cost estimation methodologies to enhance accuracy and efficiency. 7. Timely Completion Ensure tasks are completed within specified deadlines. 8. Vendor Communication Communicate with vendors for sale stage quotations and gather necessary information for cost estimation. Educational Qualifications: Bachelor's degree in Electrical Engineering or related field Experience : Minimum 2-5 years of experience in electrical estimation or related role Experience in preparing pricing proposals and cost breakdowns Knowledge of industry trends and pricing benchmarks in the electrical sector Skills : Proficiency in electrical engineering principles and practices Strong analytical and problem-solving skills Excellent communication and interpersonal abilities Attention to detail and accuracy in cost estimation Proficiency in Microsoft Office and cost estimation software

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2.0 - 7.0 years

4 - 6 Lacs

Kolkata, Pune

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Review tender documents, scope of works, checking the feasibility for qualification, financial criteria. Technical and commercial requirement evaluation of tender papers and checks the eligibility criteria. Required Candidate profile 3+ years in Bidding & sales support Proficient in ERP, tender processing, and techno-commercial offers Experience in client handling, payment follow-ups, and ISO activities preferred.

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4.0 - 8.0 years

6 - 10 Lacs

Pune

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Position: Process & Proposal Engineer Reporting to: Design Manage Experience: 4 to 8 Years Qualification: BE Mechanical/ Chemical Engineering Remuneration: Commensurate with capabilities and industry standards Domain: EPC / Supply orders for Energy Saving Systems, Hot water systems, Waste Heat recovery systems, Hot air generators systems, Steam generation systems, Thermal oil systems, Waste Heat Based Power Plant etc. Role & Responsibilities: Thermal & Mechanical Design, Process Design. Preparing BOM and Cost estimates, Preparing Technical proposal for Heat Exchangers, WHRBs. Providing engineering assistance to marketing & sales team and later, detail engineering team. On Time Performance of the outputs to internal and external customers. Participate in meetings with internal and external stakeholders as and when necessary. Experience, Knowledge & Skills: Experience in design and proposal engineering of Waste Heat Recovery Boilers/ Systems, Heat Exchangers and Pressure Vessels as per ASME, IBR, and TEMA etc. Experience in Thermal and Mechanical design using well know software like HTRI, PV-Elite etc. Innovative approach to adapting to latest technologies/ technology tools/ continuous improvements to the systems and internal design and engineering processes. Excellent skills with PC / Laptop to manage work. Good communication skills: verbal, written and presentation. Strong team player. If you are driven by a desire to make a meaningful impact in the energy sector and possess the skills and experience outlined above, we encourage you to join our dynamic team at M.E Energy. Apply now and be part of our journey towards a sustainable future. Send your CV to pooja.bekani@meenergy.com. Note: Only shortlisted candidates will be notified.

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4.0 - 6.0 years

4 - 6 Lacs

Vadodara

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Responsibilities: * Meet revenue targets through sales efforts * Prepare proposals * Conduct product presentations * Manage customer relationships * Pre-sales & after-sales site visit Annual bonus

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2.0 - 7.0 years

2 - 3 Lacs

Noida, Ghaziabad, Modinagar

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Should be able to - make the tender documents as per GEM tenders. - generate leads and do marketing for the company - communication with clients for the different documents - search different tenders on different tender portals

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5.0 years

8 - 15 Lacs

Chandigarh

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Roles & Responsibilities: Working closely with the sales team on proposals and pitches for business. Providing support to the sales team (participate in customer requirement discussions, Proposal documents, other supporting artifacts like case studies, etc.) Manage the entire proposal lifecycle, which will include scope understanding, finalization, solution review, commercials, and proposal submission. Coordinate with sales, tech/delivery, and internal teams and ensure the highest quality proposals are delivered on time. Working closely and collaboratively with customers to devise effective business solutions. Ensuring that the designed solution meets customer requirement and bring a value add to the customer ecosystem. Working closely with customers to understand and capture requirements. Presenting proposals to customers alongside members of the sales team. Working with the tech team on the clarification of the scope required for estimation. Experience responding to RFP/RFIs. Desired Skills: Possess a proven track record of accomplishments in the areas of Requirement Scoping, Functional Analysis, Technology Solution Design (Good to have), Effort and Cost Estimation, Proposal Preparation, Client Presentations, and Cross-Functional Collaboration. Should have worked on presales role in terms of guiding on Innovations in Solutions, Proposal Flow, Value proposition, etc. for opportunities that include Fixed Price, T&M, and Service-based engagements. Must have Hands-on experience in Solutioning, Design & estimation, sizing, and proposal writing. Ability to work with multiple stakeholders and business units. Process Oriented and adhering to reporting and approval requirements. Significant exposure to various technology stacks in Digital; UX, Mobility, Platform Development, eCommerce, etc. Excellent communication and presentation skills. Experience in working both independently and in a team-oriented, collaborative environment is essential. Willingness to interface with teams and clients in different time zones.

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0.0 - 3.0 years

4 - 5 Lacs

Thane, Bhiwandi

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Position : Application Engineer / Project Executive Role :( Project Documentation / Quality Documentation / Proposal Preparation / Shop Floor Inspection) CAD drafting skills required Training will be provided as required, basic skills to be ensured. Required Candidate profile Diploma/ Degree in Engineering Mechanical preferred. Electrical / Production also welcome Good English skills a MUST(writing / reading) Preferably living near Kalyan

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5.0 - 10.0 years

4 - 6 Lacs

Bengaluru

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Responsibilities: * Manage financial operations from GST filings to annual budgets * Ensure accurate bank reconciliations & proposal preparation * Oversee Tally ERP, QuickBooks, Zoho Books software usage

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3.0 - 8.0 years

1 - 5 Lacs

Hosur

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Job Providing turnkey Assembly & testing solutions for Automotive, Engineering, medical devices & solar industries by preparing techno commercial proposal and converting in to order. Understanding the RFQ/Customer requirement & proposing the right design concept Preparingdetailed layout scheme & technical proposal Preparation ofBOM/cost estimation/cycle time diagram/documentation Negotiation & finalization of order Preparing Documentation Also scan the market & Business Development On time submission of Techno commercial proposal which includes Layout scheme, Technical write up, BOM, Quotation Converting RFQ into order Meeting customer requirements and adhering to standards Meeting the order acquisition targets Acquiring new customers Experience in Special purpose machine Building & Automation preferably in Application & sales or in Design Work Experience Responsible and accountable Diligent and possess eye for details Adaptable to factory environment and foster compliance culture Analytical skills Problem Solving skills. Interpersonal/Influencing skills. Excellent Communication and presentation skills Positive thinking/attitude Adaptability & Proactive Experience3 - 8 years QualificationBE Mech Engg (Full time)

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1.0 - 4.0 years

2 - 4 Lacs

Hyderabad

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Responsibilities: * Prepare tenders from start to finish: documents, estimates & proposals. * Conduct thorough bid evaluations. * Manage bids online with proposal building & writing. * Analyze tenders using e-tendering tools. Health insurance Accidental insurance Annual bonus Sales incentives Performance bonus Provident fund Travel allowance

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4.0 - 5.0 years

3 - 4 Lacs

Pune

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Responsibilities: * Collaborate with cross-functional teams on project deliverables. * Ensure compliance with industry standards and customer requirements. * Design solutions, prepare proposals, provide technical support. Provident fund

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1.0 - 3.0 years

2 - 4 Lacs

Aurangabad

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Costing & Estimation, BOMs related to LV/MV switchgear components. Prepare competitive and accurate techno-commercial offers APFC,MCC,PCC Panel. Coordinate internally with design, purchase, and production teams for pricing inputs. Health insurance Provident fund Annual bonus Employee state insurance Accidental insurance Leave encashment Performance bonus Gratuity

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1.0 - 6.0 years

3 - 8 Lacs

Pune

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-Determine cost estimate targets during the design and development process. -Gather proposals, specifications and related documents. - Experience in Preparation of Datasheet, BOM

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3.0 - 7.0 years

5 - 7 Lacs

Sriperumbudur, Chennai

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Role & responsibilities The Assistant Manager - Proposal is responsible for evaluating technical requirements, estimating costs, and preparing competitive proposals for machining and manufacturing projects. This role involves detailed analysis of engineering drawings, coordination with various teams, and ensuring accurate cost estimations to enhance project feasibility and business growth. TASKS AND ACTIVITIES : Preparation of preliminary FSR requirement as per Drawing. Preparation of preliminary concept as per drawings. Sending enquiries for SCM (if required Outsource) Follow-up & Receiving quotation from Outsourcing and compile for approval for conversion components. (if required Outsourcing) Follow-up & Receiving quotation from Outsourcing & sourcing and compile for approval for sales components. (if required Outsourcing) Before submitting for approval check the capacity availability. Preparation of Proposal sheet based on cycle time sheet getting approvals from HOD. KEY RESPONSIBILITIES : Technical Analysis: Analyse technical drawings and specifications to determine process feasibility. Cost Estimation: Prepare Setup Concept with cycle time and based on Machine MHR cost breakdowns for machining, fixtures, special tools, gauges, and development costs. RFQ Management: Ensure timely completion of RFQs, meeting both Conversion and sales timelines. Marketing Support: Collaborate with marketing teams to enhance RFQ win rates and improve project feasibility. Capacity Planning: Provide management with timely updates on capacity utilization and future demand predictions. Documentation: Maintain structured records of drawings, approved proposals, and ISO compliance documentation. Cross-Functional Coordination: Work with sales, production, sourcing, supply chain, project, and quality teams to streamline project execution and ensure operational efficiency.. Preferred candidate profile : Education : Diploma/ B.E - Mechanical Engineering Experience: Minimum of 3-7 years in the machining component manufacturing industry. (Preferable from In-House Machine Shop) Technical Skills: Strong knowledge of CAD software, cost estimation techniques, and machining processes. Industrial Knowledge: Understanding of machining and proposal preparation processes. Soft Skills: Understanding of machining, fabrication, and proposal preparation processes. Perks and benefits As per policy

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