13 Ews Jobs nearby Ratnagiri

Role Overview: Join a cutting-edge sustainability fintech platform backed by Elevar Equity and led by serial entrepreneurs & ex-HSBC COOs! If you're experienced in credit risk management and passionate about EV financing, this is your opportunity to make a real impact. As a Credit Risk Manager, you will play a crucial role in assessing borrower credibility and contributing to the growth of sustainable lending in the EV ecosystem. Key Responsibilities: - Assess borrower profile (entities and individuals) and engage with customers - Work with the front line sales team towards creating a strong credit orientation culture - Create and periodically review credit risk policies - Monitor portfolio and early warning signs (EWS) - Conduct credit risk-related training for the front line team - Collaborate with internal assurance/audit team to review gaps and implement corrective measures - Ensure compliance with risk policies (both credit and non-credit) - Contribute to tech upgrades and system development - Monitor operating risk with credit operations team - Evaluate market risk and recommend corrective steps to management - Prepare performance reports and present findings to management Qualifications Required: - Prior experience of at least 7 years in credit risk management in a bank or NBFC - Strong analytical and research skills - Preference for CA or finance-related postgraduates - Strong communication skills - Sound understanding of financial services regulatory environment,

Job Title: Assistant Registrar Organization: Indian Institute of Technology Bombay (IIT Bombay) Location: Powai, Mumbai Job Ref. No.: 50808088 No. of Positions: 8 (SC-1, OBC-1, UR-4, EWS-2) Age Limit: 40 years (as on the application closing date) Application Closing Date: 07.11.2025 About IIT Bombay Indian Institute of Technology Bombay, an Institute of National Importance, has been recognized as an Institute of Eminence. It offers a vibrant academic and research environment and seeks motivated professionals to join its administrative cadre. Position Overview The Assistant Registrar will be responsible for managing academic, administrative, and financial operations within the institute. The role demands strong leadership, knowledge of government rules, and experience in computerized office administration within a large academic or government organization. Essential Qualification & Experience Educational Qualification: Masters Degree or equivalent from a recognized University/Institute in an appropriate discipline with minimum 55% marks or equivalent grade. Experience: Minimum 6 years of relevant experience in computerized administration, of which: 3 years should be at Pay Level 7 (44,900 1,42,400), or 1 year should be at Pay Level 8 (47,600 1,51,100) or equivalent. Key Responsibilities Oversee and coordinate administrative, academic, and financial operations in assigned departments or sections. Ensure compliance with Government rules and procedures (FR, SR, GFR, CCS Rules, etc.). Supervise office and support staff, ensuring efficient workflow and record management. Handle matters related to: Accounting, auditing, and financial procedures, OR Administrative affairs (legal, recruitment, establishment), OR Academic activities (student records, examinations, scholarships, degrees), OR Procurement and material management (purchases, import procedures, store accounting, stock verification). Manage computer-based systems for records, correspondence, and information retrieval. Prepare reports, budgets, and administrative documentation. Support institutional events, meetings, and policy implementation. Required Skill Set (Most Mandate) Strong knowledge of FR/SR/GFR/CCS Rules and government procedures. Expertise in computerized office administration, ERP/SAP/MIS systems, and MS Office tools. Experience in procurement, accounting, or academic administration. Excellent organizational, leadership, and communication skills. Proven ability to handle multiple administrative portfolios efficiently. Compensation Pay Level 10 (56,100 1,77,500) (Gross pay includes Basic Pay, Dearness Allowance, HRA, Transport Allowance, and applicable DA on TA as per Institute norms) Contact Information Contact Person: Ms. Maheshwari Mudaliar Designation: Assistant Registrar (Recruitment) Phone: 022-21597940 Email: Website:

Job Title: Technical Superintendent Organization: Indian Institute of Technology Bombay (IIT Bombay) Location: Powai, Mumbai Job Ref. No.: 50775157 No. of Positions: 1 (EWS-1) Application Closing Date: 07.11.2025 Age Limit: 32 years (as on closing date) About IIT Bombay IIT Bombay is a premier technical institute of national importance, recognized as an Institute of Eminence, fostering excellence in education, research, and innovation. Position Overview The Technical Superintendent will manage IT-related project operations, including procurement, vendor management, budgeting, project systems, and website management. The role requires hands-on experience with software tools and ERP systems, supporting internal teams and coordinating with vendors. Essential Qualification & Experience B.Tech / B.E. / M.Sc. in Computer Science / Information Technology with 1 year relevant experience post-degree OR 3-year Diploma in Computer Science / IT with 6 years relevant experience post-diploma OR Bachelors degree (other than B.Tech / B.E.) in Computer Science / IT with 4 years relevant experience post-degree Note: For a diploma post 10+2, experience requirement reduces by 2 years. Key Responsibilities Manage Procurement to Pay (P2P) cycle, purchases using project funds, and works service entries. Supplier Relationship Management: Resolve technical issues for internal staff and external vendors. Budget/Fund Arrangement using software tools. Manage Project Systems, including WBS creation, data management, and generating project reports. Website Design & Management for the department or project. Ensure proper documentation, coordination, and support across project operations. Desirable Skills Working knowledge of SAP/ERP software Website management experience Strong organizational and coordination skills Compensation Pay Level 6 (35,400 1,12,400) Gross pay includes Basic Pay, Dearness Allowance, House Rent Allowance, Transport Allowance, and Dearness on Transport Allowance. Contact Information Contact Person: Ms. Maheshwari Mudaliar Designation: Assistant Registrar (Recruitment) Phone: 022-21597940 Email: Website: If you want, I can also make a short 810 line version opti

Role Overview: As a Senior Credit Manager in Business Banking at our Mumbai office, you will be responsible for assessing, evaluating, reviewing, and approving credit proposals related to retail credit products like term loans, trade finance, CC, OD, etc. Your role will involve maintaining service level deliverables, effective portfolio management, and working on appropriate account strategies in line with the bank's risk appetite. Key Responsibilities: - Conduct credit appraisal of loan applications within defined guidelines and make recommendations for approval to higher authorities. - Clearly convey opinions and highlight critical risks, along with suitable mitigates, regarding the acceptability of proposed transactions/facilities. - Demonstrate awareness of the proposed products and their suitability to client requirements. - Conduct personal discussions with customers for better understanding. - Monitor portfolios by ensuring timely renewals, deferral management, and early warning signal (EWS) management. - Conduct customer visits for key customers and high-value relationships. - Maintain defined credit and end-to-end Turnaround Time (TAT) to ensure timely service to both internal and external customers. Qualification Required: - Graduate in any discipline. - Post Graduate degree in MBA Finance. - Preferable qualifications include CA/CS/CFA. Additional Details: At IDFC First, we emphasize a customer-first culture and expect our Senior Credit Managers to keep their teams motivated and aligned with the organizational strategy. You will also play a key role in attracting and retaining top talent for important roles within your reporting structure. With a minimum of 5+ years of experience in credit underwriting, you will bring valuable expertise to our Business Banking-Retail Underwriting team.,

You are seeking self-motivated and analytically driven professionals to join the Risk Analytics team. The ideal candidate should have a strong background in Credit Risk or Portfolio Risk Management, enabling them to derive actionable insights through robust data analysis. Your role will involve working closely with cross-functional teams and contributing towards maintaining and improving portfolio quality across lending products. - Develop insights and recommendations to support business decisions and risk mitigation strategies - Contribute to Expected Credit Loss (ECL) modeling, loss forecasting, and stress testing exercises - Evaluate Early Warning Signal (EWS) frameworks using internal and external data sources as well as developing & deploying new models - Collaborate with Credit, Product, and Business teams to drive risk-based strategies - Participate in portfolio performance reviews and highlight emerging risk trends The ideal candidate should possess the following skills and competencies: - Experience in portfolio risk assessment, especially in Retail and/or SME lending - Strong analytical skills with an eye for detail and a problem-solving mindset - Proficiency in Python for data analysis and model development - Advanced Excel user able to work with pivot tables, lookups, and automation - Self-starter with the ability to work independently as well as in a team environment - Familiarity with credit appraisal processes and risk assessment methodologies is an added advantage Educational Qualifications: - CA / MBA / B.Tech / Postgraduate degree in Statistics, Economics, or related quantitative field Experience: - 3-5 years of experience in the lending business of a Bank or NBFC - Preferably worked in Credit Risk / Portfolio Monitoring / Risk Analytics functions,

You will be responsible for the following tasks in the role of Credit Compliance (AVP/DVP) in Wholesale Banking: - Evaluating specific credit offers submitted to the Credit Committee (Level E2) and identifying any regulatory discrepancies. - Examining policies, procedures, and notes related to credit, providing comments and counsel to ensure thorough procedures complying with legal requirements. - Providing advice on credit and lending-related issues from a compliance perspective, supporting the bank's business and credit functions. - Advising the Credit Monitoring Team on various topics, including EWS parameters, LDS, Regulatory Returns, and CRILC reporting. - Guiding the Fraud Monitoring Group on RFA and Fraud Reporting. - Monitoring regulatory risk areas of credit to ensure compliance with RBI requirements. - Participating in the implementation of new circulars at the bank level regarding lending and credit matters. - Assisting during the RBI Audit by coordinating with stakeholders to provide the required information and data. - Resolving issues highlighted by the RBI in inspection reports, including investigating the root causes of regulatory infractions. - Engaging with regulators as needed to seek clarification on rules. Qualifications required for this role: - Education: CA/MBA (Mandate) - Experience: 6+ years If you are interested in this opportunity, kindly share your CV with esha@thepremierconsultants.com.,

As a Collections Manager for Micro Enterprises Banking (MIB) segment, your role involves overseeing Pan-India collections for all products, ensuring key performance parameters like credit losses and delinquencies are met, and implementing efficient collections processes while fostering a culture of customer service within the team. Key Responsibilities: - Design and implement agile, scalable collection strategies for MIB Segment. - Collaborate with product, credit, and analytics teams to refine customer segmentation and risk triggers. - Manage the operating framework, provide guidance, and ensure high performance standards. - Support in developing the workforce plan for the division. - Monitor delinquency trends, collection efficiency ratios, roll forwards, and cure rates. - Implement proactive interventions in high-risk segments through data-led insights. - Work on Early Warning Systems (EWS) Triggers with Business & Credit Teams. - Build and lead a high-performing in-house collections team. - Monitor team performance, compliance, and field productivity through KPI-based frameworks. - Ensure adherence to regulatory codes and ethical conduct in collections. - Address escalations and grievances promptly and in a structured manner. - Maintain a zero-tolerance policy for misbehavior, coercive tactics, or reputational risks. - Aim for minimal attrition within the collections team. Qualifications: - Essential: Graduate / Postgraduate in Finance, Management, or related field. - Preferred: Minimum of 20 years of experience in collections, with at least 5 years in MSME Segment or related segments in a private sector bank or NBFCs. Required Skills: - Customer and Quality Focus - Professional Entrepreneurship - Drive for Results - Influence and Impact - Integrity - Lead and Develop people - Enables Change - Build transparent and inclusive teams Preferred Skills: - Experience in managing collections in a private sector banking environment. - Strong operational rigor and commercial acumen. The company is dedicated to fostering diversity and inclusivity within the workplace.,

Role Overview: As an experienced Scrum / Agile practitioner, you are responsible for managing the overall dependencies across multiple programs in a value stream. You should have very strong domain, business and technical knowledge along with exceptional communication and facilitation skills. You are responsible for managing dependencies and stakeholders across multiple Programs during the release and should be able to handle the complexities across 10-15 Scrum teams during the release and coordinate across the same. You are also responsible for project delivery and profitability (from Wipro perspective) and should be able to work closely with the ALM/SoSM to ensure increased team competency thus gaining operational efficiencies. Key Responsibilities: - Ensure meeting of the programme(s) objective(s) in a LOB - Understanding of the Business Strategy and budget allocation across various programme streams in the LOB (for different Wipro Scrum Teams) - Understand the business outcome of the various programmes in the LOB aligned to business strategy - Interface with SoSMs and help manage the dependencies of scrum teams across single/multiple programmes - Ensure program health and maturity. Track key metrics at a LOB level and take appropriate action - Define the capacity allocation of Wipro Scrum teams required across programmes in the LOB - Interface with business and system architects on the architecture runway elaboration based on upcoming Sprint goals for all Scrum teams in the LOB - MoSCoW (or similar methodology) adherence of Program Backlog at the Program level - Track and Report business progress across the LOB by consolidating the outcome of teams - Participate and assist teams in Release Planning Meetings to help synchronize between teams across locations - Building synergies between scrum teams across locations and simplifying the interface between SoSM, Scrum Teams and other stakeholders - Participate in LOB level Scrum of Scrum meetings and Governance meetings of all the Programs he/she is responsible for - Highlight the risk and dependencies across all programs in the LOB to ensure achievement of release goals. Resolve impediments to ensure smooth sprint execution - Resolve and further escalate impediments across teams to a minimum and ensuring ZERO impact on the overall Release schedule - Responsible for CSAT as per organization norms and expectations. Ensure EWS, customer escalations and escalation resolution as per organization norms - Enabling collaboration between Dev, Ops and other stakeholders to ensure availability of required environment - Interact with Agile Line Manager to resolve internal impediments related to people and operations - Expand the Wipro footprint / ensure repeat business in the LOB - Communicate team success to client and Wipro stakeholders and leadership - Participate in CoP initiatives in Wipro / account - Represent the account in internal forums at a vertical / BU level (APR / QBR / MBR etc.) - Responsible for performance management of SoSMs, Technical / System Architects, Product Owner and Agile Line Managers - Responsible for bulge, account profitability, cash flow, and Value at risk - Ensure resource forecast accuracy - Responsible for invoicing (if SOW is at program level) - Approves PDMR (if SoSM / ALM is not available) Qualifications Required: - Mandatory Skills: Program Management - Experience: >10 YEARS Additional Company Details: Wipro Limited (NYSE: WIT, BSE: 507685, NSE: WIPRO) is a leading technology services and consulting company focused on building innovative solutions that address clients most complex digital transformation needs. Leveraging our holistic portfolio of capabilities in consulting, design, engineering, and operations, we help clients realize their boldest ambitions and build future-ready, sustainable businesses. With over 230,000 employees and business partners across 65 countries, we deliver on the promise of helping our customers, colleagues, and communities thrive in an ever-changing world. Join a business powered by purpose and a place that empowers you to design your own reinvention.,

Role Overview: As an experienced Scrum/Agile practitioner, you will be responsible for managing the overall dependencies across multiple programs in a value stream. You must possess strong domain, business, and technical knowledge, as well as exceptional communication and facilitation skills. Your role involves managing dependencies and stakeholders across multiple programs during the release, coordinating with 10-15 Scrum teams, and ensuring project delivery and profitability from Wipro's perspective. Collaborating closely with the ALM/SoSM is crucial to increase team competency and operational efficiencies. Key Responsibilities: - Ensure meeting the program objective(s) in the Line of Business (LOB) - Understand the Business Strategy and allocate the budget across various program streams for different Wipro Scrum Teams - Interface with SoSMs to manage dependencies of Scrum teams across single/multiple programs - Track program health and maturity, monitoring key metrics at a LOB level and taking appropriate actions - Define the capacity allocation of Wipro Scrum teams required across programs in the LOB - Interface with business and system architects for architecture runway elaboration based on upcoming Sprint goals - Adhere to MoSCoW (or similar methodology) for Program Backlog at the Program level - Track and report business progress across the LOB by consolidating team outcomes - Participate in and assist teams in Release Planning Meetings to synchronize between teams across locations - Build synergies between Scrum teams and simplify the interface between stakeholders - Participate in LOB level Scrum of Scrum meetings and Governance meetings for all responsible Programs - Highlight risks and dependencies across all programs in the LOB to ensure release goal achievement - Resolve and escalate impediments across teams to minimize impact on the overall Release schedule - Responsible for CSAT adherence, EWS, customer escalations, and escalation resolution - Enable collaboration between Dev, Ops, and stakeholders for environment availability - Interact with Agile Line Manager to resolve internal impediments related to people and operations - Expand Wipro's footprint and ensure repeat business in the LOB - Communicate team success to clients, Wipro stakeholders, and leadership - Participate in CoP initiatives in Wipro/account - Represent the account in internal forums at a vertical/BU level - Responsible for performance management of SoSMs, Technical/System Architects, Product Owner, and Agile Line Managers - Ensure account profitability, cash flow, and Value at risk - Ensure resource forecast accuracy - Responsible for invoicing and approve PDMR if SoSM/ALM is not available Qualification Required: - Mandatory Skills: Program Management - Experience: More than 10 years Note: Wipro Limited is a leading technology services and consulting company focused on building innovative solutions for clients' complex digital transformation needs. With over 230,000 employees and business partners across 65 countries, Wipro aims to help customers, colleagues, and communities thrive in an ever-changing world. Role Overview: As an experienced Scrum/Agile practitioner, you will be responsible for managing the overall dependencies across multiple programs in a value stream. You must possess strong domain, business, and technical knowledge, as well as exceptional communication and facilitation skills. Your role involves managing dependencies and stakeholders across multiple programs during the release, coordinating with 10-15 Scrum teams, and ensuring project delivery and profitability from Wipro's perspective. Collaborating closely with the ALM/SoSM is crucial to increase team competency and operational efficiencies. Key Responsibilities: - Ensure meeting the program objective(s) in the Line of Business (LOB) - Understand the Business Strategy and allocate the budget across various program streams for different Wipro Scrum Teams - Interface with SoSMs to manage dependencies of Scrum teams across single/multiple programs - Track program health and maturity, monitoring key metrics at a LOB level and taking appropriate actions - Define the capacity allocation of Wipro Scrum teams required across programs in the LOB - Interface with business and system architects for architecture runway elaboration based on upcoming Sprint goals - Adhere to MoSCoW (or similar methodology) for Program Backlog at the Program level - Track and report business progress across the LOB by consolidating team outcomes - Participate in and assist teams in Release Planning Meetings to synchronize between teams across locations - Build synergies between Scrum teams and simplify the interface between stakeholders - Participate in LOB level Scrum of Scrum meetings and Governance meetings for all responsible Programs - Highlight risks and dependencies across all programs in the LOB to ensure release goal achievement - Resolve and escalate impediments across

You will be responsible for supporting S4 Hana SAP transition and assisting the Supply Chain team with all Manufacturing Plant SAP set up. Your duties will include: - Testing & Issue Resolution: - Test planning, execution, issue tracking, documentation, and management updates. - Process Validation: - Testing and validating end-to-end finance processes such as product costing, BOM impact & standard cost calculations, LAMACA update, new SKU costing, general ledger postings, fixed assets, depreciation & CWIP, cost center/profit center accounting, inventory accounting, and material ledger. - Transaction Testing: - Post sample transactions related to procurement, production, inventory, and sales to ensure correct FI entries and system behavior. - Validate integrations between finance and other modules (MM, PP, SD, etc.). - Month-End/Year-End Activities: - Simulate key closing activities such as depreciation runs, accruals, settlements, and standard cost runs to ensure compliance and system readiness. Additionally, you will focus on logistics cost management by: - Regular forecasting, variance analysis, and insights on primary, secondary, and warehouse costs. - Developing dashboards for logistic cost review. - Concentrating on FTG for Logistics, WH leases, and areas like FTL/PTL, Detention, and other one-off cost heads. - Conducting regular sourcing reviews and analyzing the cost of Out of network sourcing. You will also be involved in variance forecasting by: - Developing a dashboard for Production variance forecasting (Fixed & Variable). - Providing support on CEB evaluations, business case development, new product costing, DPP workings, etc. - Continuously monitoring and raising EWS on AML, UPDT, BOM, and costing issues. Colgate-Palmolive Company is committed to diversity, equity, and inclusion. They ensure that their workforce represents the people and communities they serve, creating an environment where individuals feel they belong and can be their authentic selves. As an Equal Opportunity Employer, they provide reasonable accommodation during the application process for persons with disabilities.,

As an Analyst-Hindsighting (Business Banking Credit) in the Business Banking Group, your role involves the formulation and implementation of Industrial Equipment/Medical Equipment policy. You will be responsible for regular monitoring of the portfolio from a credit risk perspective and collaborating closely with the BBG Business team - Product Manager, Operations, Sales, IT, Credit, BIU. **Roles & Responsibilities:** - Implementing Industrial Equipment/Medical Equipment policy - Revising Industrial Equipment/Medical Equipment policy through extensive market research and benchmarking - Ensuring adherence to governance and control framework - Reducing Risk Related costs - Identifying portfolio trends and generating portfolio level MIS - Monitoring Early Warning Signals (EWS) and Portfolio Delinquency - Mapping the impact of the external environment on the portfolio by engaging in Industry Research - Understanding and implementing best practices from the industry from a Risk perspective - Recommending process changes to enhance efficiency and quality within the assigned area - Leveraging in-house synergies through collaboration with internal stakeholders - Providing regular training to the Credit and Business Team - Spearheading initiatives to improve efficiency and portfolio health - Understanding the digital processes adopted by the bank and proactively identifying areas to leverage the same for driving efficiency **Education Qualification:** - Graduation in fields such as Bachelor of Science (B.Sc), Bachelor of Technology (B.Tech), Bachelor of Computer Applications (BCA), Bachelor of Commerce (B.Com), or Bachelor of Business Administration (BBA) - Post-graduation in MBA/PGDM/C.A. **Experience:** - 3-5 years of experience, preferably in Industrial Equipment/Medical Equipment sector.,

Job Description: As a Team Lead of Credit Compliance for WBG and Working Capital Business segment of the Bank, you will be responsible for managing and leading a team of professionals who support Business Groups in maintaining an effective control framework and ensuring compliance with all relevant RBI regulations, internal codes, and policies. Your key responsibilities will include: - Reviewing all credit proposals that go into the Credit Committee (Level E2) and identifying any regulatory inconsistencies. - Reviewing credit-related products, policies, and processes, providing feedback and advice to ensure comprehensive and compliant bank processes. - Advising the business/credit function of the bank on all credit and lending-related matters from a Compliance Perspective. - Advising the Credit monitoring team on various matters including CRILC reporting, LDS, Regulatory Returns, and EWS parameters. - Advising the Fraud Monitoring Group on matters including RFA and Fraud Reporting. - Collaborating with other assurance functions like risk and internal audit on regulatory matters. - Conducting select testing and monitoring of regulatory risk areas of credit to ensure compliance with RBI guidelines. - Participating in the implementation of new circulars at the Bank level on all credit and lending-related matters. - Assisting the team during RBI Audits by coordinating and collaborating with stakeholders to provide requested information and details. - Resolving points raised by RBI in inspection reports, including conducting root cause analysis for regulatory violations. - Engaging with regulators as necessary to obtain clarity on regulations. Qualifications Required: - CA/MBA qualification with a minimum of 10 years of relevant experience. - Up-to-date knowledge of recent developments in RBI regulations. - Strong verbal and written communication skills with attention to detail. - Ability to perform under pressure within specified timelines. - Diligence, hard work, and a team player mentality, with the capability to drive outcomes when collaborating with stakeholders. - Proficiency in working with MS Office tools.,

As the main point of contact within the Transcatheter Heart Valve (THV) business unit for your assigned territory and/or customer base, you will need to acquire an understanding of cardiovascular anatomy, pathology, and physiology relevant to EW medical products. Your responsibilities will include developing and closing new business opportunities with existing customers, identifying areas of improvement to meet sales targets, and contributing to the development of a short-term region plan. You will also focus on building and managing strong, long-lasting relationships with customers and other influencers in your assigned region to promote Edwards positioning in the market and influence less-complex buying decisions using tact and diplomacy. **Key Responsibilities:** - Serve as the main point of contact within the THV business unit for your assigned territory and/or customer base - Develop and close new business opportunities with existing customers - Identify areas of improvement to meet sales targets - Contribute to the development of a short-term region plan - Build and manage strong, long-lasting relationships with customers and influencers - Influence less-complex buying decisions using tact and diplomacy **Qualifications Required:** - Bachelor's Degree in a related field - 2+ years of medical device sales experience required - Clinical support/in-servicing experience preferred - Structural heart knowledge preferred In addition to the required qualifications, preferred qualifications include: - Good knowledge of the strengths and limitations of own products and competitor products - Understanding of BU strategy, selling model, medical devices industry, and selling environment of own region - Development of understanding of assigned accounts and their challenges - Good understanding of hemodynamic monitoring and/or cardiovascular anatomy, pathology, and physiology relevant to EW medical products as it relates to the business - Ability to manage competing priorities in a fast-paced environment - Strict attention to detail - Understanding customer needs and explaining EW product features compared to competitor offerings - Building productive internal and external relationships and ongoing interactions with relevant customer contacts - Utilizing influencing skills on buying decisions using tact and diplomacy - Adherence to all company rules and requirements (e.g., pandemic protocols, Environmental Health & Safety rules) and taking adequate control measures in preventing injuries to themselves and others as well as to the protection of the environment and prevention of pollution under their span of influence/control.,