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Skills:
Financial Analysis, Budgeting, Automation
Job type:
Full-time
Salary:
negotiable
- Prepare and automate monthly financial reports, ensuring data accuracy and reliability.
- Analyze financial performance and provide insights to support business decisions.
- Conduct financial analysis for Marketing and Sales initiatives, including dealer incentives and commission schemes.
- Prepare management and BOD reports with meaningful business insights.
- Support budgeting, forecasting, and business planning (SRO, OP, MTBP).
- Develop financial models and improve reporting processes through automation.
- Collaborate with business and IT teams to enhance reporting efficiency.
- QualificationsBachelor's degree in Finance, Accounting, Economics, or related field.
- At least 5 years of experience in FP&A, Financial Analysis, or Corporate Finance.
- Strong knowledge of budgeting, forecasting, financial reporting, and financial modeling.
- Advanced Microsoft Excel skills; experience with BI tools or ERP systems is a plus.
- Strong analytical, problem-solving, and communication skills.
- Able to work independently and partner effectively with cross-functional teams.
Skills:
Procurement, Project Management
Job type:
Full-time
Salary:
negotiable
- Develop and execute corporate business development strategies aligned with company objectives.
- Lead new business initiatives, including new store openings and new brand development.
- Design and improve Business Models and Operating Models to support sustainable growth.
- Establish and standardize operational systems, including: Store Operations, Kitchen Operations, Standard Operating Procedures (SOP), Training & Development, Quality Management.
- Develop and optimize Supply Chain, Procurement, and Central Kitchen operations.
- Lead cross-functional projects and coordinate with internal stakeholders to ensure successful execution.
- Drive business expansion initiatives, including franchise development and market expansion.
- Develop Financial Models and feasibility studies for new business opportunities.
- Plan, launch, and evaluate Pilot Store projects.
- Ensure operational excellence, food safety, and quality standards across the organization.
- Bachelor's degree or higher in Business Administration, Management, Hospitality, Food & Beverage Management, or a related field.
- 8-15 years of experience in the Quick Service Restaurant (QSR), Food & Beverage, or Restaurant industry.
- Proven experience in: New Store Opening, New Business Development, Business Expansion.
- Strong knowledge of: Store Operations, Kitchen Operations, SOP Development, Training & Development, Quality Management, Supply Chain & Procurement, Central Kitchen Operations.
- Strong strategic planning, business analysis, and project management skills.
- Excellent leadership, communication, and stakeholder management skills.
- Experience in franchise business development is an advantage.
- Able to work in a fast-paced and dynamic business environment.
Skills:
Business Development, Market Analysis, Analytical Thinking
Job type:
Full-time
Salary:
negotiable
- Identify and develop new retail concepts and business formats aligned with market trends to strengthen the company's competitive advantage.
- Conduct comprehensive market, customer, competitor, and trend analyses to evaluate new business opportunities.
- Collaborate with the Feasibility team to assess financial viability and investment potential.
- Partner with the Merchandising team on merchandise planning, tenant selection, and retail mix for new business concepts.
- Lead end-to-end project development, from concept creation and business planning through to launch and opening.
- Support commercial projects and perform other business development assignments as required..
- Corporate Strategy & Business Excellence.
- Conduct SWOT analyses and strategic business assessments to strengthen organizational competitiveness and long-term growth.
- Review, design, and improve business processes to enhance operational efficiency and organizational agility.
- Coordinate with cross-functional teams to develop and execute corporate strategies, business plans, and organizational initiatives.
- Lead, coach, and develop team members to enhance capabilities and drive high performance..
- QualificationsMaster's degree or higher in Business Administration, Marketing, or a related field.
- Minimum 10 years of experience in Business Development, Marketing, Retail Business, or related strategic roles.
- Strong understanding of retail business, merchandising, fashion, and retail management.
- Demonstrated experience in strategic planning, market analysis, and business transformation.
- Excellent business networking and stakeholder management skills.
- Results-oriented with strong analytical thinking, initiative, and adaptability.
- Proven leadership experience with the ability to manage, coach, and develop high-performing teams.
- Excellent command of English (TOEIC score of 650 or above preferred).
- Proficient in Microsoft Office applications and AI tools literacy.
Skills:
Product Owner, Scrum
Job type:
Full-time
Salary:
negotiable
- Navigate the Problem Space: Conduct continuous discovery to map out customer needs, pain points, and desires before any technical solutions are considered..
- Opportunity Solution Trees: Visually map out the paths to reach a desired business outcome, deconstructing large, intractable banking requirements into smaller, solvable opportunities..
- User Journey Mapping: Create step-by-step experience maps of the customer's current and future states to identify efficiency gaps in the current banking workflow..
- Agile Delivery & Backlog Management.
- Manage Group Backlogs: Act as the Product Owner within the Scrum/Kanban framework across a group of projects, analyzing feature requirements and prioritizing items in the delivery backlog..
- Prioritize by ROI: Evaluate and prioritize "feature chunks" using Return on Investment (ROI) and ICE (Impact, Confidence, Ease) scoring, balancing expected customer value against development effort to define the Minimum Viable Product (MVP)..
- Lead the Product Trio: Work cross-functionally alongside Product Managers, Designers, and Software Engineers to make collaborative team decisions and evaluate technical feasibility..
- Technical PRDs & Quality Gates.
- Draft Agile User Stories: Translate solutions into Agile user stories written strictly from the customer's perspective using the standard format: "As a [type of user], I want to [do something], so that I can [desired benefit]"..
- Enforce the Definition of Ready (DoR): Evaluate all drafted requirements against the INVEST principle (Independent, Negotiable, Valuable, Estimable, Small, Testable) before approving them for Sprint Planning..
- Acceptance Criteria & DoD: Write clear acceptance criteria using Behavior-Driven Development (Given-When-Then). Ensure all features pass the Definition of Done (DoD) including NFRs (Non Functional Requirement), including automated testing and code reviews..
- System Analysis & Enterprise Architecture Alignment.
- System Diagramming: Bridge business needs and technical execution by generating precise Context Diagrams, Sequence Diagrams, and State Diagrams to map out API interactions and system states..
- Architectural Mapping: Ensure all grouped requirements perfectly align with our Enterprise Core Banking Architecture, correctly connecting to the Channels layer, Edge & Security layer (API Gateway), Application Services (Microservices), and the ACID-compliant Core Banking Engine..
- What We Are Looking For (Qualifications).
- Experience: 5+ years of experience as a Technical Product Owner, Technical Business Analyst, or System Analyst, ideally within the banking, fintech, or financial services sector..
- Agile Expertise: Deep understanding of Agile methodologies (Scrum/Kanban), story point estimation, and small batch-size delivery..
- Technical Acumen: Strong capability to understand APIs, microservices, and database structures. You don't need to write code, but you must be able to have in-depth feasibility discussions with architects and developers..
- Outcome-Oriented: You define success by measurable changes in customer behavior that drive business results, not just by the volume of code shipped..
- Extreme Ownership: You take absolute accountability for your project group's success, breaking down silos between internal staff and external vendors..
- Compare and Contrast: You avoid isolated "whether or not" decisions, rigorously comparing multiple solutions to find the highest impact path..
- Why Join Us?.
- Competitive salary and performance-based bonuses.
- Comprehensive health, dental, and vision insurance.
- Continuous learning and development opportunities (including dedicated time for discovery and innovation).
- The chance to architect the future of digital banking in a highly collaborative, empowered team environment.
- We are an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees..
- Please note that we will get in touch with shortlisted candidates only.
- FB: Krungsri Career(http://bit.ly/FacebookKrungsriCareer).
- LINE: Krungsri Career (http://bit.ly/LineKrungsriCareer).
- LINKEDIN: Krungsri (http://bit.ly/LinkedinKrungsri).
- Applicants can read the Personal Data Protection Announcement of the Bank's Human Resources Function by typing the link from the image that stated below.
- EN.
- (https://krungsri.com/b/privacynoticeen).
- The bank needs to and will have a process for verifying personal information related to the criminal history of applicants before they are considered for employment with the bank.
Job type:
Full-time
Salary:
฿70,000 - ฿100,000, negotiable
- Lead the overall development and execution of the company's strategies and business plan, ensuring alignment with the annual schedule.
- Conduct thorough market research and competitor analysis to identify emerging trends and opportunities for growth.
- Develop key strategies, strategic initiatives and action plans aligned with the company s goals and objectives.
- Work closely with other departments, including finance, marketing, and operations, to ensure strategic initiatives are aligned with overall business objectives.
- Collaborate with cross-functional teams to translate business strategies into actionable plans.
- Monitor progress and results of strategy, initiatives and key performance indicators (KPIs), including prepare performance reports for executives, and define necessary actions to ensure the performance are on track.
- Prepare and present regular reports to senior leadership, highlighting key strategic initiatives, progress, and areas for improvement.
- Prepare presentation and communication materials to assist strategy and transformation leadership team in team-related meetings, e.g., business plan, team meeting..
- Analyze key performance indicators, financial data, and operational metrics to identify areas for improvement and growth.
- Provide insights and recommendations to senior leadership based on data-driven analysis.
- Monitor industry trends, risks and regulatory changes that may impact the business..
- Oversee and manage strategic projects, ensuring timely and successful execution.
- Work with project teams to define scopes, objectives, and deliverables, collaborating within your team and across other teams.
- Communicate complex ideas and strategies in a clear and concise manner to various stakeholders.
- Foster a culture of collaboration and information-sharing to drive collective success.
- Prepare progress and monitoring report to update executives on a timely manner..
- Master s degree in business, finance, economics, or a related discipline.
- Proven experience in strategic planning, business analysis, and project management.
- Strong analytical and problem-solving skills with the ability to think strategically.
- Excellent communication and presentation skills.
- Demonstrated leadership experience, with the ability to inspire and motivate teams.
- Ability to work collaboratively across departments and levels within the organization.
- High level of proficiency in Microsoft Office suite and other relevant tools.
- Have a background experience in consulting firm..
- Analytical Skill.
- Communication Skill.
- Organizational Skill.
- Attention to detail.
- Time-Management Skill.
- Interpersonal Skill.
- Highly motivated and committed personality.
Skills:
Microsoft Office, Excel, Power BI
Job type:
Full-time
Salary:
negotiable
- วิเคราะห์ข้อมูลผลการดำเนินงานของกลุ่มบริษัทในเชิงบริหาร ซึ่งรวมทั้งข้อมูลทางการเงินและข้อมูลที่ไม่ใช่ทางการเงิน ตลอดจนปัจจัยต่างๆ ที่มีผลกระทบต่อธุรกิจ.
- จัดทำรายงานและวิเคราะห์ผลการดำเนินงานราย 12 เดือน แยกตามกลุ่มประเภทธุรกิจ (Business Segment) พร้อมนำเสนอฝ่ายบริหาร และคณะกรรมการบริษัทเป็นประจำทุกเดือน.
- วิเคราะห์ข้อมูลผลการดำเนินงานจริงเทียบกับงบประมาณ/การคาดการณ์ และปีก่อนหน้า.
- วิเคราะห์ข้อมูลที่ใช้สำหรับจัดทำคำอธิบายและการวิเคราะห์ของฝ่ายจัดการ (Management Discussion and Analysis: MD&A) รายไตรมาส.
- จัดทำและนำเสนอรายงานการวิเคราะห์เชิงลึก (Ad-hoc Analysis) ทางด้านบัญชีการเงิน หรือเรื่องที่เป็นประโยชน์สนับสนุนการตัดสินใจให้กับฝ่ายบริหาร.
- ร่วมกำหนดแนวทางในการปฏิบัติงานด้านบัญชี รวมถึงส่วนธุรกิจที่เกี่ยวข้อง ทำความเข้าใจสนับสนุนข้อมูลระหว่างกัน เพื่อเพิ่มประสิทธิภาพในการทำงาน และงานอื่นที่ได้รับมอบหมาย.
- นำเทคโนโลยี และเครื่องมือต่างๆ มาช่วยพัฒนาและปรับปรุงกระบวนการทำงาน ให้มีความคล่องตัวและมีประสิทธิภาพมากยิ่งขึ้น.
- ปริญญาตรี/โท ด้านบัญชี การเงิน บริหารธุรกิจ หรือสาขาอื่นที่เกี่ยวข้อง.
- ประสบการณ์ด้าน Financial Planning & Analysis หรืองานวิเคราะห์วางแผน, งานบัญชี เป็นเวลา 3 ปีขึ้นไป.
- มีความรู้ด้านบัญชีการเงิน และมีทักษะเชิงวิเคราะห์งบการเงิน และทางธุรกิจ.
- มีความสามารถใช้โปรแกรมคอมพิวเตอร์ Microsoft Office โดยเฉพาะ Excel ขั้นสูง หากมีความรู้ Power BI, ระบบ SAP, โปรแกรมคอมพิวเตอร์ หรือ Digital Tools ต่างๆ จะได้รับการพิจารณาเป็นพิเศษ.
- สามารถสื่อสารภาษาอังกฤษได้เป็นอย่างดี ทางด้านการพูดและการเขียน.
- มีทัศนคติที่ดีในการทำงาน มีความกระตือรือร้น มนุษยสัมพันธ์ดี ทำงานเป็นทีม มีความรับผิดชอบสูง.
- สามารถทำงานในสถานการณ์ที่มีความกดดัน และสามารถปรับตัวได้ดี..
Skills:
Data Analysis, SQL, Tableau
Job type:
Full-time
Salary:
negotiable
- Develop financial models, including sensitivity analysis, to support strategic decision-making by senior management.
- Evaluate business opportunities, investment scenarios, and financial impacts.
- Business Situation Analysis.
- Analyze complex business situations and translate them into structured financial perspectives.
- Provide clear recommendations based on analytical findings.
- Data Analysis & Insights.
- Collect, analyze, and interpret data from both internal and external sources.
- Generate insights that support strategic planning and executive-level decisions.
- Performance Monitoring.
- Track and evaluate overall company performance against key metrics and strategic goals.
- Identify performance gaps and propose improvement initiatives.
- Framework Development.
- Design and implement analytical frameworks to assess business performance and operational effectiveness.
- Standardize tools and methodologies for ongoing performance evaluation.
- Ad-hoc Strategic Support.
- Undertake additional assignments as directed by management or executive committees.
- Support special projects aligned with business strategy and corporate priorities.
- Minimum of 3-5 years of experience in data analysis, with demonstrated experience collaborating closely with business functions.
- Proficiency in data analysis tools, including SQL and data visualization platforms (e.g., Tableau, Power BI); knowledge of Python is considered an advantage.
- Strong foundational skills in Microsoft Excel, with the ability to manage and analyze data effectively.
- Contact: K.Wannaporn 02------866.
- You have read and reviewed Krung Thai Bank Public Company Limited's Privacy Policy at https://krungthai.com/th/content/privacy-policy. The Bank does not intend or require the processing of any sensitive personal data, including information related to religion and/or blood type, which may appear on copy of your identification card. Therefore, please refrain from uploading any documents, including copy(ies) of your identification card, or providing sensitive personal data or any other information that is unrelated or unnecessary for the purpose of applying for a position on the website. Additionally, please ensure that you have removed any sensitive personal data (if any) from your resume and other documents before uploading them to the website.
- The Bank is required to collect your criminal record information to assess employment eligibility, verify qualifications, or evaluate suitability for certain positions. Your consent to the collection, use, or disclosure of your criminal record information is necessary for entering into an agreement and being considered for the aforementioned purposes. If you do not consent to the collection, use, or disclosure of your criminal record information, or if you later withdraw such consent, the Bank may be unable to proceed with the stated purposes, potentially resulting in the loss of your employment opportunity with.
Skills:
Cost Estimation, Scrum, DevOps, English
Job type:
Full-time
Salary:
negotiable
- Assist with business and IT Strategic planning to advise on the impact to business and IT architecture from business strategy decisions.
- Assist in the innovation initiatives by assessing the impact of innovations on business and IT architecture.
- Assist with Program/Project Portfolio planning and prioritization to advise the portfolio management team on dependencies between different projects and impact of the project on the overall architecture.
- Assist with Project execution to review architecture design during the feasibility study and project implementation.
- IT business architect works to support the vendor selection by providing inputs into overall architectural considerations for the RFP process, validate proposed vendor solutions, provide inputs in architectural considerations and review vendor response and advise on scoring criteria.
- Work to support the identification and integration of project architecture, including advising on the best solution based on EA principles and/or EA standards, support with the impact analysis of the project architecture to identify business, information, application and technical architecture impact.
- Identify application portfolio rationalization, identify overlapping functionalities, support in identifying master applications, and drive the application decommission planning activities.
- Understand and promote EA framework and update EA documents including EA principles, EA reference architecture, EA policies and EA standards.
- Maintain EA tool and update the information to EA tool to ensure the up-to-date information in the EA Tool.
- Provide EA training about EA concepts, EA tool, EA reference architecture to both business and IT.
- Bachelors or Master of Information System Management, Computer Engineering or related fields.
- At least 7 years of experience in IT Architect-related roles in large-scale projects in Banking /Financial industries.
- Experience participating in all aspects of large-scale IT implementation projects including planning and cost estimation through requirements, design, development, testing, implementation, production, and ongoing operational support and maintenance.
- Strong knowledge and understanding of common architecture models such as TOGAF, IT governance, key architecture governance models, underlying tools, and supporting processes (e.g. architecture approval, architecture change control, architecture's role in project and standards oversight), IT Development and operations methods (e.g. SDLC, Agile, Scrum, DevOps), security and compliance models.
- Good written and verbal communication, presentation of both Thai and English skills.
- Ability to explain complex technical issues in a way that non-technical people may understand.
- Strong Leadership, influencing, motivating and negotiating skills.
- Good judgment within broadly defined practices in obtaining desired results, analytical and problem-solving skills.
- Only shortlisted candidates will be contacted"
- FB: Krungsri Career(http://bit.ly/FacebookKrungsriCareer).
- LINE: Krungsri Career (http://bit.ly/LineKrungsriCareer).
- Talent Acquisition Department
- Bank of Ayudhya Public Company Limited.
Skills:
Compliance, Accounting, SAP, English
Job type:
Full-time
Salary:
negotiable
- Financial Planning and Analysis: Develop, implement, and monitor financial planning strategies,.
- budgets, and forecasts to support business objectives and drive growth initiatives.
- Financial Reporting: Prepare accurate and timely financial reports, including monthly, quarterly,.
- and annual financial statements in accordance with Thai accounting standards and regulatory.
- Strategic Decision Support: Provide financial insights and analysis to senior management to.
- support strategic decision-making, investment evaluations, and resource allocation.
- Feasibility Study: Perform projection of financial and business feasibility study including.
- financial projection, investment analysis, business analysis, and risk assessment.
- Internal Controls: Establish and maintain robust internal control systems to safeguard company.
- assets, ensure compliance with financial regulations, and mitigate risks.
- Tax Compliance: Oversee tax planning and compliance activities, including corporate income tax,.
- value-added tax (VAT), withholding tax, and other relevant tax matters.
- Audit Management: Coordinate and manage internal and external audits, ensuring adherence to.
- audit timelines, resolving audit issues, and implementing audit recommendations.
- Financial Process Optimization: Continuously review and improve financial processes and.
- procedures to enhance efficiency, accuracy, and effectiveness in financial operations.
- Team Leadership: Lead and develop a high-performing finance team, providing guidance,.
- mentorship, and training to ensure professional growth and achievement of departmental goals.
- Stakeholder Engagement: Build and maintain effective relationships with internal stakeholders,.
- external auditors, regulatory authorities, and other relevant parties to promote transparency.
- and accountability in financial matters.
- Bachelor's Degree in Accounting or Audit/ Master s Degree will be advantage.
- Minimum of 3-8 years audit/controller & accounting and analyst.
- Having experience in SAP environment and internal audit / accounting.
- Proficient in Excel.
- Strong planning and business analytical skills, service-minded, open-minded, results-oriented, and proactive..
- Strong leadership, ability to manage professional staff.
- Being proactiveness.
- Good command of English.
Job type:
Full-time
Salary:
negotiable
- Lead end-to-end requirement gathering, analysis, and documentation activities.
- Manage requirements across multiple workstreams, systems, and business domains.
- Drive solution discussions and support business and technical decision-making.
- Ensure requirement traceability, scope control, and impact assessment throughout project lifecycle.
- Stakeholder & Team Management.
- Act as the key liaison between Business, IT, vendors, and project teams.
- Facilitate workshops and alignment discussions with senior stakeholders.
- Lead and mentor Business Analysts to ensure high-quality delivery and best practices.
- Prepare executive-level updates and support steering committee discussions.
- Program & Delivery Oversight.
- Monitor project risks, dependencies, and cross-functional impacts.
- Ensure alignment between business objectives, timelines, and deliverables.
- Support governance, resource planning, and vendor coordination activities.
- Drive process improvement, operational efficiency, and business transformation initiatives.
- Bachelor s or Master s degree in Business Administration, Information Technology, or related fields.
- 8-12+ years of experience in Business Analysis, Project Delivery, or related roles.
- Strong experience in large-scale or complex projects/programs.
- Excellent stakeholder management, communication, and problem-solving skills.
- Proven ability to work effectively across Business and IT teams.
- Experience in banking or financial services industry is preferred.
- Strong leadership and team management capabilities.
- Only shortlisted candidates will be contacted".
- Talent Acquisition Department
- Bank of Ayudhya Public Company Limited
- 1222 Rama III Rd., Bangpongpang, Yannawa, Bangkok 10120
- Contact: Talent Acquisition Center: 0 2--- ---- #--183.
- FB: Krungsri Career.
- LINE: Krungsri Career.
- LINKEDIN: Krungsri.
- Applicants can read the Personal Data Protection Announcement of the Bank's Human Resources Function by typing the link from the image that stated below.
- EN (https://krungsri.com/b/privacynoticeen).
- ผู้สมัครสามารถอ่านประกาศการคุ้มครองข้อมูลส่วนบุคคลส่วนงานทรัพยากรบุคคลของธนาคารได้โดยการพิมพ์ลิงค์จากรูปภาพที่ปรากฎด้านล่าง.
- ภาษาไทย (https://krungsri.com/b/privacynoticeth).
- หมายเหตุ ธนาคารมีความจำเป็นและจะมีขั้นตอนการตรวจสอบข้อมูลส่วนบุคคลเกี่ยวกับประวัติอาชญากรรมของผู้สมัคร ก่อนที่ผู้สมัครจะได้รับการพิจารณาเข้าร่วมงานกับธนาคารกรุงศรีฯ.
- Remark: The bank needs to and will have a process for verifying personal information related to the criminal history of applicants before they are considered for employment with the bank.
Skills:
Accounting, Finance, Financial Analysis
Job type:
Full-time
Salary:
negotiable
- Bachelor s degree in Accounting, Finance, or Auditing (Master s degree is an advantage).
- Minimum 3 years of experience in audit, controlling, accounting, or financial analysis roles.
- Strong proficiency in Microsoft Excel.
- Strong planning and analytical skills with a service-oriented mindset; proactive, results-driven, and open-minded.
- Ability to manage multiple tasks and meet tight deadlines.
- Demonstrates strong initiative and proactiveness.
Skills:
Accounting, Finance, Taxation, English
Job type:
Full-time
Salary:
negotiable
- Serve as a business advisor to Bangchak Group subsidiaries, overseeing accounting, finance, taxation, and internal controls of the assigned entities, while supervising financial reporting and coordination with accounting teams and relevant departments to ensure accuracy and compliance with applicable standards.
- Coordinate closely with Bangchak s accounting and finance teams and other relevant departments to ensure smooth operations that are accurate, complete, and aligned with the policies and practices of the Bangchak Group.
- Manage cash flow and liquidity by working with the finance team to ensure sufficient funding, effective capital utilization, and propose improvements for optimal liquidity management.
- Analyze actual performance, forecasts, period comparisons, and actual versus plan performance, including review of rolling forecasts, and provide actionable insights to management to support decision-making.
- Report on financial performance and financial position of responsible entities to senior executives (CFO/CEO) and the Board of Directors of the assigned entities, as well as to the relevant supervisory line.
- Support Group and Segment FP&A activities, including budgeting, forecasting, and management reporting.
- Participate in business negotiations or executive meetings as a representative of the Finance and Accounting function, providing recommendations to support decision-making, along with other duties as assigned.
- Bachelor s degree or higher in Finance, Accounting, Economics, or related fields. A master s degree in business administration (MBA) with a focus in Finance or a Master of Accounting is a plus.
- Minimum of 5 years of experience in accounting, finance, financial analysis, or strategic planning. Certified Public Accountant (CPA) qualification is a plus.
- Strong ability to communicate and present strategic insights professionally to senior management.
- Proficiency in English, both written and verbal.
- Entrepreneurial (Owner) mindset with a positive, proactive attitude, strong multitasking ability, and proven effectiveness under pressure.
- Understanding the energy industry and large corporate structures is an advantage.
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