Telemarketers financial services set appointments jobs

I am in need of a skilled outbound appointment setter to assist in generating leads for my ERP solutions, specifically Zoho and Odoo. Key Responsibilities: - Outbound calling to potential clients and setting up appointments for ERP product demonstrations - Maintaining a high level of professionalism and customer service during all interactions - Tracking and reporting on all appointments set, including relevant client information While it's not a strict requirement, preference will be given to candidates with experience in Zoho and Odoo, as they will be able to provide a deeper insight into our ERP solutions and potentially answer any preliminary questions that may arise. Ideal Skills and Experience: - Proven experience as an outbound appointment setter, pref...

I am currently in need of a talented copywriter with a solid background in technology. The main focus of this job will be: - Creating compelling copy for marketing materials. Skills and experiences needed for the job: - Exceptional writing and communication skills. - Deep understanding of the technology industr...experiences needed for the job: - Exceptional writing and communication skills. - Deep understanding of the technology industry and its jargon. - Previous experience in copywriting specifically for marketing collateral. - Creativity in presenting complex concepts in an engaging and accessible manner. The ideal candidate is a passionate tech-savvy writer, capable of making our technology products/services appealing to our potential consumers through compelling marketing ...

In the contemporary digital age, the legal landscape is evolving rapidly, and the need for efficient, accessible legal services has never been greater. Our project aims to revolutionize the traditional legal practice by creating a web-based platform that dematerializes legal processes, enabling seamless document exchange and teleconference appointments. Key Features: Document Exchange: Our platform provides a secure and user-friendly interface for clients and legal professionals to exchange documents swiftly and securely. Clients can upload documents, such as contracts, pleadings, and evidence, directly to their case file, eliminating the need for physical paperwork and reducing administrative burdens. Real-Time Case Updates: Clients can stay informed about the progress of ...

I'm in need of a talented individual who can create engaging, lively, and fun cartoon style animations for children's content on YouTube. Job Specifications: - The animations should adhere to a cartoon style. - Each video will typically run for less than 5 minutes. - I will be responsible for providing the stories, therefore no voice-over services are needed on your part. Skills & Experience: - Proficiency in 2D cartoon animation. - Experience in creating content for children. - Ability to stick to tight deadlines without compromising on quality. - Excellent communication skills to understand animation preferences and make necessary changes when required. This is a fantastic opportunity for an animator looking to showcase their ability to create fun, engaging c...

...like DALL-E or MidJourney to generate images based on the automated prompts. Backend Development: Build and maintain a backend system to handle API calls, manage image and data storage, and ensure efficient data flow throughout the application. Frontend Development: Design and develop a user-friendly e-commerce website where customers can browse and purchase generated images. Database Management: Set up a database to manage user data, transaction details, and maintain associations between prompts and generated images. Quality Assurance and Testing: Ensure the application is reliable, performs well, and provides a seamless user experience across different devices and browsers. Deployment and Maintenance: Deploy the application to a cloud environment and ensure its ongoing operatio...

...High-Quality Visuals: The use of high-quality property photos and visuals is essential to showcase properties in the best light. Branding Consistency: The design should be consistent with our brand identity, including our logo, colors, and fonts. Call to Action (CTA): Clear CTAs should be incorporated throughout the website to encourage users to contact us, schedule viewings, or learn more about our services. Project Timeline We are open to discussing a flexible project timeline, but ideally, we would like the project to be completed within 2 to 3 days. Budget Our budget for this project is $100. Selection Criteria We will be selecting the best candidate based on the following criteria: Relevant experience in UI/UX design for real estate websites. A strong portfolio showca...

As a business keen to make an impactful first impression, I need creative, compelling copywriting assistance for introducing our company. This will be integral in effectively communicating our brand identity, core values, and services to potential clients. I am looking for a skilful, experienced copywriter with a knack for crafting compelling narratives and a strong understanding of brand marketing. - Task Involves: * Thoroughly understanding our business model and ethos * Crafting compelling copy that effectively introduces our company * Revising content based on feedback, if any - Ideal Skills: * Proven experience in copywriting especially in corporate introduction * Exceptional writing and editing skills with attention to detail * Proficient in market resear...

I'm in need of a skilled WordPress developer with experience in e-commerce development. Key requirements: - I already have both domain and hosting, so your expertise on this matter is not necessary. - The primary goal of my website is to sell products or services online, so you should have proven experience in creating successful e-commerce platforms. - Specific e-commerce features needed include payment gateway integration, customer reviews and ratings, and the ability to post blogs. Your skills should include: - Proficiency in WordPress development - Strong understanding of e-commerce functionalities - Experience in integrating payment gateways - Ability to implement customer reviews and ratings system - Knowledge on how to create and manage blog posts Please provide exa...

...networking platforms and natural mall shops. - Business model: Defining the revenue streams, cost structure and target customers. - Competitive analysis: Analyzing the competitors in the professional networking platform and natural mall shops space in Italy. - Marketing plan: Defining the marketing strategies to attract users and customers to the platform and shops. - Financial projections: Creating detailed financial projections including revenue, expenses, and cash flow for the next 3-5 years. Ideal skills for this project: - Proven experience in creating business plans, especially for the Italian market. - Knowledge of professional networking platforms and retail industry in Italy. - Strong analytical skills for market research and competitive analysis. - Excel...

I'm looking for a seasoned sales trainer with exceptional negotiation and communication skills to develop and deliver a sales training program specifically tailored to the finance industry. The ideal candidate has: - Proven expertise ...Proven expertise in Investment Products. - Excellent negotiation and communication skills. - A track record of delivering engaging training programs. The program should span over the course of one week. Your role will not only involve designing the program, but also effectively delivering it to my sales team. The aim is to improve our team's sales strategies and customer engagement within the financial industry. If you have a passion for sales training and a deep knowledge of finance, you are the entrusted professional we need to enhance o...

I am currently in search of a highly competent digital marketer with a focus on Social Media Marketing, SEO, and Email Marketing for my business-to-business services. The ideal candidate or team for this project should have: - Profound knowledge of and experience in implementing and managing successful digital marketing campaigns targeting B2B clients - Specific skills in Social Media marketing on Instagram - Expertise in SEO and Email Marketing The primary task will be: - Develop and execute effective marketing strategies across the mentioned platforms - Track and analyze effectiveness of our digital campaign, subsequently making the necessary adjustments for optimization By bringing onboard your expert knowledge and innovative strategies, the goal is to significantly boost our...

I am looking for a skilled and experienced Full stack developer with Hands-on experience in Java Hands-on experience in Angular/ REACT Hands on experience on AWS RDS/AWS S3/Oracle/AWS Athena/ SQL In-depth knowledge in Core Java, Spring framework and RESTful API Services, Apache Camel, CI/CD Jenkins, Containerization Experience with AWS Cloud and its services like EC2, Athena, Lambda, S3, SQS and Cloud Formation Experience in writing JUnit test cases Problem-solving abilities

...your standard website as it needs to offer functionality beyond providing information. Key Features: - Firstly, the website must facilitate online appointment booking. This should be intuitive, allowing the general public to easily schedule check ups. - Information about the clinic is essential. This includes mission, history, team members and any relevant certifications. - Detailed pages on services and treatments offered at the clinic; these pages should offer comprehensive information and the benefits of each treatment. - A regularly updated blog where we can share dental hygiene tips, news etc. - A contact page with a form for inquiries, location map and opening hours. - A dynamic home page that allows variable content. Ideal Skills & Experience: - Proven experience in...

I'm looking for an experienced cold caller who can efficiently make appointment setting calls on a global scale. The ideal candidate must h...scale. The ideal candidate must have: - Proven track record in cold calling and appointment setting - Understanding and experience in dealing with international markets - Sound knowledge of the online products industry The main responsibilities include: - Identifying and targeting global potential leads - Making effective cold calls to these international prospects - Successfully setting appointments with these leads Skills and Experience required: * Cold calling experience * Excellent communication skills * Knowledge of the online product market. Your hard work will broaden our global presence and help us venture successfully in...

W...Accounting, Bookkeeping , Auditing and other Financial Services, for our Company, Bliss Infovision Private Limited is a Private incorporated on 09 June 2014. Key Responsibilities: - Generate potential leads from the East Coast of the USA. Ideal Skills and Experience: - Moderate experience in the financial services sector. - Proven results in lead generation campaigns. - Familiarity with East Coast markets and sectors. We welcome the opportunity to work with an experienced individual who can help us strengthen our reputation and increase our client base in the USA. This is an overseas partnership opportunity with a well-established Chartered Accountant Professionals in India. Your insight, knowledge and skills in Lead Generation within the Financi...

...discretion and organization. - Scheduling appointments, ensuring I never miss an important date. - Conducting data entry tasks with accuracy. - Performing internet surveys to gather valuable information for projects. - Preparing ad-hoc reports based on collected data and research. To excel in this role, you'll need to work approximately 6 hours a day, 6 days a week. This schedule is designed to ensure continuity in my operations while allowing flexibility for you. Required Skills and Experience: - Proficiency in Microsoft Office Suite, especially in Excel, Word, and PowerPoint. Your ability to harness the full potential of these tools is crucial. - Familiarity with accounting software. Although not the main focus, this skill will probably be essential for financial...

My business is in need of digital marketing services to help us reach our goals. We are looking for a freelancer to help us with SEO, the main focus of the digital marketing campaign. I do not have any existing marketing materials, so the freelancer will have to create everything from scratch. We need the project to be completed within 2-4 weeks.

...piece together the puzzle. This activity sharpens observation skills, deduction, and historical analysis. Question Everything: Pre-teens are naturally curious, so encourage them to ask questions about the exhibits. Is this artifact real or a replica? What is the artist trying to convey? This fosters a questioning mind, critical thinking, and a desire to delve deeper into information. Financial Whiz Kids in the Making: Museum on a Budget: Many museums offer free or discounted entry on certain days or for specific groups. Research these options and pre-plan your visit with your pre-teens. Let them help create a budget for the trip, including transportation, food, and souvenirs (if allowed). This teaches budgeting skills and responsible spending. The Value of Things: ...

I need an experienced web designer to create a professional and corporate landing page for my business. I do not require integration with any CRM or email marketing services at this point. Key Requirements: - Design a visually appealing, modern, and clean lead generation page - Ensure the page is user-friendly and optimized for conversions - Implement responsive design to ensure the page looks great on all devices Your skills and experience in creating user-friendly, modern, and clean landing pages will be essential. Please share your portfolio showcasing similar work.

I'm seeking an experienced web developer to create an informational website targeting commercial and corporate clients for my law firm. The website should include (but not limited to): - describe our key areas of services. Prior experience in creating law firm or other professional services is a plus. - Include vital content typical for a law firm website. Knowledge in legal industry standards for web content is highly desirable. - Attach a section for CVs. The website design should allow easy updating of these documents. Specific industry knowledge will help to ensure the developed website resonates with our intended professional audience. Skills in SEO and responsive design are preferable to enhance visibility and mobile user experience.

...g., HubSpot). - **Accelerated Database Design:** Design and implement a robust and scalable database that supports efficient data aggregation and analysis, within a short timeframe. - Entity-Relationship Modeling: Develop and finalize a comprehensive ER diagram that illustrates the database structure and supports urgent marketing analytics requirements. - Efficient Data Export and ETL Processes: Set up and manage the rapid export of data from various platforms using APIs. Develop and implement ETL (Extract, Transform, Load) processes to clean, transform, and load data into the database swiftly. - Documentation: Produce concise and clear documentation on the data architecture, ER diagrams, and ETL processes to support ongoing maintenance and scalability. - Collaborative and Rapid ...

...a virtual CFO to assist me with financial forecasting and budgeting for my business in accounting. Key Responsibilities: - Provide expert guidance and support in creating accurate financial forecasts. - Develop efficient and effective budgeting strategies to align with our business goals. - Offer insightful recommendations on financial planning, risk analysis, and performance measurement. Ideal Candidate: - Proven experience in financial planning, forecasting, and budgeting. - Extensive understanding of accounting practices, particularly in the accounting industry. - Prior experience using Xero for accounting software is highly desirable. - Strong analytical and problem-solving skills. - Excellent communication and presentation abilities to convey finan...

I am in need of a comprehensive marketing strategy that will focus on increasing brand awareness for my accounting firm ...multichannel marketing plan aimed at enhancing brand awareness for my firm. - Designing and managing Google Ads campaigns on both Search and Display Networks. - Generating leads from small businesses, individual service seekers, and corporations in Sydney. Skills Required: - Proven experience in developing and executing successful marketing campaigns, particularly in the B2B and professional services space. - Proficiency in Google Ads, including Search and Display Network campaigns. - Good understanding of lead generation tactics and strategies. Please provide a detailed proposal outlining your approach to this project, including timelines, costs, and expected...

...young adults and parents in Romania. - Produce video-based posts: It would be great if you can create short, interesting videos that can capture the attention of my audience. Key Objectives: - Increasing brand awareness: The content you create should help to establish my brand as a reputable and well-known entity within the Romanian market. - Promoting products/services: The posts should also subtly promote my products or services, seeking to generate sales or leads. Ideal Candidate: - Proficient in Romanian: A strong command of the Romanian language is essential. - Social Media Savvy: Experience in creating engaging social media content, particularly on Instagram. - Understanding of target audience: Knowledge of the interests and preferences of young adults and parents ...

I'm looking for an experienced management accountant to help with various accounting tasks. MUST HAVE - qualified chartered accountant - minimum 10 years experience Key Responsibilities: - Financial Reporting: I need assistance in preparing detailed financial reports to ensure we have a clear picture of our financial standing. - Budget Forecasting: You'll be responsible for creating a reliable budget forecast to assist in our financial planning and decision-making processes. - Tax Preparation: I require support in preparing and filing taxes for the company to ensure compliance and minimize our tax burden. - UK Company Secretary: Knowledge of UK company laws and regulations is crucial in this role. You'll be responsible for ensuring we are comp...

...looking for a mobile app developer to create a cross-platform service app similar to URBAN CLAP. The app should be available on both Android and iOS devices. Key Features: - User Registration: Users should be able to create accounts and log in securely. - Service Provider Registration: A feature that allows service providers to register and offer their services on the app. - Service Booking: Users should be able to browse available services, select, and book them. - Payment Integration: A secure payment gateway should be implemented to facilitate transactions between users and service providers. Ideal Skills and Experience: - Proficient in cross-platform app development - Knowledge of creating user-friendly and engaging interfaces - Experience in integrating secure payme...

I am in need of a reliable professional who can assist with carrying out pre-employment vetting for a candidate in Maputo, Mozambique. The ideal person for this job should have experience in corporate background checks and the ability to conduct a thorough vetting process. Key Responsibilities: - Gathering criminal records - Verifying employment history - Conducting education verification - Carrying out a detailed directorship record search. This directorship record search should encompass all past and present directorships for the candidate, providing a comprehensive insight into their professional background. The successful candidate should be able to locate and present this information in a clear and concise manner. Ideal Skills and Experience: - Experience in pre-employment vetti...

I'm in need of someone skilled in Canva to create and post marketing content on Instagram. The content should be in various formats, including images, videos, and infographics. Key Requirements: - Creation of images, videos, and infographics using Canva - Posting of the content on Instagram - Content creation should aim to increase brand awareness, generate leads, and drive appointments My target audience for this content are business professionals. I'm looking for someone with a good understanding of this demographic and who can create content that resonates with them. Ideal Skills & Experience: - Proficiency in Canva - Proven experience in social media marketing, particularly on Instagram - Creative thinking and eye for design - Understanding of business profes...

Hey...I need a n order form for my accadamic services offered in my site. Look at the to get the note not the web design...I have that sorted. I need admins and the client side. Payment gateways to integrate are PayPal, google pay and flutter wave.

I'm in need of a graphic designer who can create a corporate-style brochure for my business. The main project will be to design a professional, clean and sleek corporate-style brochure. I'll provide the necessary information about the company's services, vision, and mission statement to be included. Ideal Skills: - Proficiency in graphic design software like Adobe Illustrator, InDesign, or Photoshop. - Experience in corporate branding and brochure design. - Excellent communication skills to ensure the design aligns with the company's objectives. - Ability to work efficiently and meet deadlines.

...secure and user-friendly registration/login system. - Search Functionality: Crucial to the project is a robust search functionality that provides users with relevant results connecting users with service providers depending upon geolocation. - Payment Processing: The application should include a seamless, secure payment processing system. - Service oriented architecture for plug and play type of services. Completely configurable. - Admin login to monitor for successful ,failed orders and transaction , reconciliation and generate reports. - Complete e-commerce site for processing to order. The successful freelancer will possess extensive experience in full stack development, user experience design and payment portal integration. Proficiency in modern design practices is a must. E...

Financial universe with opinions

I need someone to gather a list of companies and individuals who offer cleaning services for the Bath, UK area. I need; Price per clean, name, email, telephone. This is for a 1 bedroom house. Dates will be random across the year and would need a cleaner with no contract, just a cleaner to call when needed. Need a list making of cleaners and prices for Airbnb turnover clean at Bath, UK.

Create Financial Project on Excel

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Do you want to convert any PDF, JPG, PNG, or image files Are you looking for any kind of document conversion or need editing in your documents, You are on the right gig. MY SERVICES: ✅ Data Entry ✅ Web research ✅ Data Conversion ✅ Copy Paste Work ✅ Excel Data Entry ✅ JPEG to Excel or Word ✅ PDF to Excel or Word ✅ Real Estate Data Entry ✅ Language Translator ✅ Microsoft Excel ✅ Microsoft Word ✅ Lead Generation If you still have any questions or want to discuss prices for a custom project, don't hesitate to contact me. WHY ORDER FROM ME?? Fast Delivery, Never Late ✔ Message me if you're unsure or have project-specific questions Thank you

I am in need of a simple company profile, with the key aim being marketing and promotion. My target audience are civil procurment engineers, hence placing a crucial emphasis on capturing their interest in our products and services. Your. Please merge creativity with a knack for business marketing. The profile should be more than just listing products, it should: - Clearly outline the benefits of our products and services - Illustrate why our prospects should choose us - Include compelling calls to action that will convert prospects into clients. Experience in creating company profiles and a portfolio to present would be highly advantageous.

...to help create a detailed business strategy for my upcoming baby milk infant formula brand in Saudi Arabia. I'm targeting a wide range of age groups, from newborns to toddlers, including specialty formula. Key Elements: - **Market Analysis**: This should outline the current market situation in Saudi Arabia, including competitors, market size, and trends. - **Financial Projections**: The business plan should include detailed financial projections over the next 3 years. This will be crucial for securing investments and planning our growth. - **Marketing Strategy**: I need a comprehensive marketing plan that will help us effectively reach our target audience in Saudi Arabia. - **Pricing Structure Strategy**: Your expertise in developing competitive pricing strategies wi...

I'm in need of a skilled appointment setter with experience in telemarketing to work in the UK time zone. The ideal candidate should have a background in the home improvement industry. Key Responsibilities: - Contacting homeowners effectively and - Scheduling appointments for our sales team Ideal skills and experience: - Proven track record in telemarketing - Excellent communication and interpersonal skills - Ability to work efficiently in the UK time zone - Be a team player and eager to grow. - Fluent English.

I'm seeking an exam invigilator assist for an on-site exam in La Ceiba. We provide test administration services to test-takers worldwide. For this purpose, we look for professionals who we contact on an "as-needed" basis work at professional centers administering certifications. We provide complete training and assignments pay hourly for the entire scheduled time, even if the exam ends early. We have an assignment coming up where a test taker has been approved to have the exam read outloud to them. For this assignment, you are required to be present on-site, and read the exam content aloud to the test taker. The exam is taking place at a professional testing center in Ceiba, Costa Rica. Date: Wednesday, 24 April, 2024 Time: 7:30 am to 12:45 pm We provide full t...

...Integrating a functional contact form for queries. - Establishing a product/services page to showcase our offerings. The ideal candidate should have experience in website development, particularly with informational websites, and understanding in creating user-friendly contact forms and detailed product/services pages. Proficiency in UI/UX design is an added advantage to ensure user-friendly design and navigation. Proven portfolio showcasing similar projects required. The focus here is not just a fully functional site, but also one with an engaging, intuitive design to optimize visitor experience and interaction. The look and feel should be of a professional nature, appealing to corporate customers. Our services are IT related in the finance field. Once the websi...

I'm in need of a creative freelancer with experience in graphic design, specifically with ad creation. I'm looking for a modern and minimalist design for a plumbing ad. The design should be clean, simple and attention-grabbing without being overwhelming. Please find ...I'm looking for a modern and minimalist design for a plumbing ad. The design should be clean, simple and attention-grabbing without being overwhelming. Please find logo attached. Details for the ad as follows: Need a Plumber? Contact Janko for a Free on-site quotation We Service the Pretoria East and Centurion Area Our Services: All Plumbing and Electrical Geysers Pipe Repair Swimming pool solar Blocked Toilets/Drains and Basins Bathroom Renovations Irrigation Services Call Us Today! Ja...

...flow updates to the users. Key Functionalities: - Real-time Cash Flow Updates: The tool should be able to provide real-time monitoring and reporting of cash flow changes. User Data Input: - Integrating with Accounting Software: The tool should allow users to input their financial data by directly integrating with their existing accounting software like quickbooks. Ideal Skills: - Proficiency in SaaS tool development using a no code tool flutterflow - Experience with real-time data processing - Previous work on financial reporting tools - Familiarity with integrating systems with accounting software User journey - Register with Google account - link with accounting platform like Quickbooks (1 click integration) - Extract data and save the data in AWS securely - Do ...

...OpenAI’s ChatGPT API: Powers the interactive AI features. Stripe: Manages subscriptions and payment processing. Airtable: Hosts the external database of funding opportunities. Expected Outcomes: A functional MVP that simplifies the grant seeking process through tailored recommendations and interactive AI features. Enhanced user engagement and satisfaction through personalized and streamlined services. A scalable foundation for future feature enhancements based on user feedback and market needs....

I need an entry-level appointment setter to help with my financial services. The main tasks will be: - Interacting through Linkedin - Targeting clients within the financial services industry I require an individual that is: - Able to communicate effectively - Proficient in email and online chat via LinkedIn - Detail-oriented and able to maintain proper documentation - Enthusiastic and eager to learn Please provide examples of work in this field and success

We are seeking a skilled freelancer to update our existing website to WordPress. The website is for a dental clinic, and we aim to maintain its current colour schemes and content while giving it a modern look and feel. Delivera...we aim to maintain its current colour schemes and content while giving it a modern look and feel. Deliverables include a fully functional WordPress website with a drag and drop page builder (preferably ZION builder), maintaining the existing colour schemes and content, featuring a modern design for a dental clinic and integrating a third party booking module. Creating and designing the Home, Services, Staff, Contact Us, and Payment Options pages, populating content for these pages, and ensuring the website is fully responsive and optimized for performanc...

I need a digital marketing agency to implement Google Ad campaigns for my taxi business. The strategy should specifically aim to generate confirmed daily leads from our varied target audience which includes local residents, tourists, and even business professionals. Our marketing campaigns should emphasize on the diverse range of services we offer, particularly long-distance travel, one-way and two-way trips, as well as tours. Ideal applicants should have extensive experience in creating effective Google Ad campaigns, an understanding of the transportation sector, and a proven ability to target diverse audience groups. My website:

...important financial information that needs to be accurately translated for business purposes. Project Details: Document Length: The balance sheet consists of 38 pages. Deadline: The translation must be completed by next week, asap. Expertise Required: I prefer a translator who has experience in financial or business translation, particularly with balance sheets. Technical Terminology: The balance sheet may contain technical financial terminology, so familiarity with such terminology is essential. Requirements: Experience: Please provide evidence of past translation work, particularly in the financial or business sector. Accuracy: The translated document must accurately convey the meaning and details of the original Italian balance sheet. Confidentiality: ...

...create a dynamic dashboard that tracks and compares planned project dates versus actual dates. The objective is to offer a detailed analysis of project progress, identify potential delays, and assess overall performance. • The ideal candidate should have solid PowerBI experience and a deep understanding of project management metrics. • A clear understanding of analyzing sales, customer, and financial data is needed. • Knowledge of trends and forecasting based on historical data would be advantageous. • The dashboard should be capable of refreshing and updating on a weekly basis to track the ongoing progress. The aim is not just to create a dashboard but to provide a tool that enhances our decision-making process based on quantifiable data. PowerBI experts ...

As a health-oriented individual planning to expand into the plant-based nutrition space, I'm seeking an experienced nutritionist with a deep understanding of plant-based nutrition to collaborate on product development. Services required include: - Plant-Based Nutritional Expertise: Guiding the formulation of a new plant-derived nutritional product that is both healthy and appealing. - Research and Analysis: Keeping updated with the latest research in plant-based nutrition to ensure the product stays current and effective. Ideally, the freelancer should possess extensive experience in plant-based nutrition, product development, and an analytical mindset with a focus on nutritional science. A strong background in similar product creation is much appreciated. Goal is to formula...