67 results for Sales in Philadelphia, PA

Sales Representative We are offering an exciting opportunity for a Sales Representative based in the New Brunswick, New Jersey area. You will be joining a team focused on commercial liquidations, in-house refurbishment and office furniture sales and installations. This role primarily involves remote work, with occasional in-person client visits and weekly team meetings. Responsibilities:• Drive sales through proactive outreach, utilizing leads generated by the team• Utilize prior sales experience to develop and execute effective sales strategies• Maintain communication with clients, ensuring their needs and inquiries are addressed promptly and accurately• Travel as needed to client locations for viewing and assessment of spaces for liquidation• Manage client relationships, leveraging existing contacts where possible• Collaborate with the team during weekly meetings to discuss strategies and progress• Ensure accurate record-keeping of client information and sales activities.

Sales Assistant We are seeking a motivated and detail-oriented Sales Assistant to support our team. This role serves as a key point of contact for customers, assisting with sales activities and ensuring smooth day-to-day operations. The ideal candidate will provide excellent customer service, maintain accurate records, and coordinate with internal teams to meet customer needs. Key Responsibilities:<ul><li>Respond to customer inquiries via phone, email, and chat, offering accurate information about products and services.</li><li>Assist the sales team with order management, ensuring orders are processed accurately and in a timely manner.</li><li>Maintain up-to-date customer records within the CRM system.</li><li>Collaborate with departments such as logistics, finance, and production to support order fulfillment and delivery timelines.</li><li>Support marketing efforts, including promotional events, customer outreach, and trade show coordination.</li><li>Help identify sales opportunities through upselling and cross-selling strategies.</li><li>Perform administrative duties such as preparing sales documents, scheduling meetings, and handling invoice processing.</li><li>Ensure data accuracy in internal systems and spreadsheets.</li><li>Handle basic logistical tasks, including picking up or delivering shipments and obtaining office supplies.</li><li>Communicate with customers to follow up on payment statuses and assist with account updates.</li></ul>

Office Manager We are seeking a highly motivated and organized Sales Coordinator to support our dynamic sales team in Spring House, Pennsylvania. The Sales Coordinator will play a crucial role in assisting sales representatives and managing various sales-related activities to ensure operational efficiency and help drive revenue growth. This is a great opportunity for an individual who is passionate about sales, customer service, and team collaboration to join a fast-paced environment and thrive in a growing organization. This role offers a contract to permanent employment opportunity, providing a dynamic and engaging work environment. Key Responsibilities:<ul><li>Support Sales Representatives: Act as a liaison for the sales team by coordinating schedules, preparing client presentations, and ensuring timely communication with leads and existing customers. </li><li>Order Processing: Handle entry, follow-up, and tracking sales orders while ensuring accuracy and efficiency in the process. </li><li>Sales Documentation: Prepare and maintain important sales documents, including proposals, contracts, reports, and meeting summaries. </li><li>Customer Relations: Build and maintain strong relationships with customers by addressing inquiries, resolving issues promptly, and ensuring a positive customer experience.</li><li>Collaboration: Partner with internal departments, such as marketing and operations, to ensure alignment of strategies, execution, and delivery timelines. </li><li>Sales Reporting and Analysis: Monitor team performance, sales metrics, and territories using CRM tools and provide detailed feedback to managers for improved decision-making.</li><li>Inventory Management: Oversee inventory levels related to sales and coordinate with logistics to optimize delivery schedules and inventory use. </li><li>Event Coordination: Assist with the planning and delivery of sales-focused events, such as trade shows, client presentations, and webinars.</li></ul>

Account Executive The Account Executive will be responsible for managing client relationships, developing new business opportunities, and driving/managing the sales cycle. This role will consist of generating sales leads, maintaining client relationships, providing sales strategies, speaking on product knowledge, meeting and/or exceeding sales targets and revenues, and assist with executive orders. The ideal Account/Customer Service Executive will also develop business plans to assist in goal setting, present product knowledge to prospective clients, negotiate agreements, and resolve all client inquiries. Responsibilities:• Oversee the entire sales process, from the initial consultative sales approach to closing the deal• Identify and capitalize on new sales opportunities through various networking activities• Present our product offerings to potential clients in a compelling manner• Prepare and deliver accurate quotes to prospective clients• Follow up with customers to ensure their satisfaction and address any concerns• Provide exceptional after-sales support to foster customer loyalty• Maintain regular contact with key clients to build strong, lasting relationships• Address and resolve customer complaints effectively, aiming to maintain customer satisfaction and uphold the company's reputation• Use CRM tools to manage customer relationships and sales activities effectively• Utilize your account reconciliation skills to ensure accurate billing and invoice processing.

Account Executive We are offering an exciting remote opportunity for an Account Executive based in the Red Bank, New Jersey area. The role involves maintaining and developing relationships with customers, as well as communicating with major carriers. The work will be carried out remotely, making it a convenient position for those who prefer a flexible work environment. Responsibilities:• Communicate effectively with major carriers such as FedEx, UPS, DHL, and other significant entities.• Utilize ADP - Financial Services, ADP Workforce Now, Ceridian, CRM, and Dayforce to maintain accurate customer and shipment records.• Manage customer inquiries and resolve any issues that may arise.• Process and monitor customer credit applications, ensuring accuracy and efficiency.• Provide top-notch, white-glove service to all customers.• Manage 401k - RRSP Administration and Cobra Administration.• Conduct regular auditing to ensure compliance and accuracy in all processes.• Oversee all benefit functions and claim administration tasks.

Greeter/Retail Store Service Associate IV (Contractor) We are offering a permanent employment opportunity for a Greeter/Retail Store Service Associate IV at Stafford Township, New Jersey. As a part of our team, you will be a crucial player in providing an excellent experience for our customers and maintaining the store to the highest standards. Responsibilities: • Support the store team in providing a top-notch experience for customers. • Demonstrate a strong understanding and enthusiasm for technology, specifically our products and services. • Regularly scan the sales floor to ensure all areas are accessible, clean, functional, and report any exceptions to the leadership team. • Engage with customers during peak times, ensuring they are connected with a sales consultant promptly and are well-informed about our technology. • Regularly inspect the back of the store for cleanliness, security, and proper inventory placement. • Assist with receiving inventory and ensuring the back of the store is stocked according to store standards. • Participate in the weekly cycle count process and suggest improvements for the store count process. • Adapt readily to store management priorities and direction, always demonstrating professionalism and integrity. • Ensure regular, consistent, and punctual attendance. Be prepared to work nights, weekends, and overtime as necessary. • Perform other duties and responsibilities as assigned by the leadership team.

Wholesale Account Representative We are actively recruiting a Wholesale Account Representative based in the Middlesex, New Jersey area. The role calls for frequent communication with customers, attending trade shows, and maintaining customer accounts. This role will also require you to handle a variety of products and be proficient in Excel. Key Responsibilities:<ul><li>Build and maintain long-term relationships with wholesale distributors, ensuring ongoing satisfaction and loyalty.</li><li>Identify, onboard, and support new wholesale partners to expand our distribution network.</li><li>Negotiate competitive pricing agreements and secure margin sheet approvals to ensure profitability.</li><li>Lead negotiations on contracts, ensuring mutually beneficial terms that align with company goals.</li><li>Drive sales performance through effective management of wholesale accounts, identifying opportunities for growth and development.</li><li>Maintain high levels of customer service by addressing concerns, providing product information, and ensuring timely deliveries.</li></ul>

AR Clerk/Specialist We are offering an exciting opportunity for an AR Clerk/Specialist in Moorestown, New Jersey. The role involves a combination of accounting duties, primarily focused on the efficient management of customer transactions and account receivables. The successful candidate will be integral to the smooth running of the accounts department in our organization. Responsibilities: • Accurate processing and posting of customer payments into QuickBooks • Facilitating the timely issuance of sales invoices and ensuring they are error-free and include the correct sales tax • Assisting in the transition from QuickBooks Desktop to QuickBooks Online • Managing accounts receivable collections and ensuring prompt payment • Ensuring the accurate and timely filing and payment of sales tax • Undertaking project billing tasks, with a familiarity with AIA billing being advantageous • Preparing project P& Ls in Excel and uploading invoices to the customer portal • Maintaining effective communication with clients to resolve any issues or inquiries • Using Microsoft Excel and other Microsoft Office tools to maintain and organize data efficiently • Proactively monitoring customer accounts and taking necessary actions when required.

Lease Admin Analyst We are offering a short term contract employment opportunity for a Lease Admin Analyst in Point Pleasant, New Jersey. This role primarily focuses on maintaining the integrity of real estate portfolio data for a number of clients. The successful candidate will be expected to handle customer inquiries, process applications, and maintain accurate records. Responsibilities: • Uphold the integrity of real estate portfolio data for an assigned portfolio of clients. • Input, maintain, and organize information regarding lease dates, dollar values, and financial accounting transactions into a lease management software database. • Reconcile accounts receivable/accounts payable transactions to ensure accurate and current lease information is maintained. • Assist managers in resolving critical issues for clients by researching and gathering information about payment transactions, lease terms, and other relevant items. • Prepare lease abstracts and edit them for accuracy. • Process client rent rolls utilizing the database, prepare export files, and send to accounting for payables processing. • Prepare invoices for subtenants, reconcile subtenant accounts, review incoming invoices for errors/accuracy with lease document, and ensure correct coding. • Run standard reports for management review and ad hoc reports with assistance. • Operate with a customer service lens during calls and other interactions.

Customer Service Representative We are currently hiring a Customer Service Representative based in Bridgewater, New Jersey. In this role, you will be responsible for processing customer orders, addressing inquiries, and ensuring efficient operations in a fast-paced, team-oriented environment. <ul><li>Process and manage customer orders from receipt to delivery, ensuring accuracy and timely fulfillment.</li><li>Coordinate with logistics and internal teams to track shipments, resolve delivery issues, and maintain smooth order flow.</li><li>Serve as the primary point of contact for assigned customer accounts, addressing inquiries, resolving issues, and updating account information.</li><li>Provide pre-sale support by responding to customer inquiries, preparing quotes, and assisting the sales team with product recommendations and materials.</li><li>Collaborate with marketing to distribute product updates and promotional materials to clients.</li><li>Deliver post-sale support by managing returns, exchanges, and refunds, and following up to ensure customer satisfaction.</li><li>Build and maintain strong, long-term relationships with clients, identifying upselling and cross-selling opportunities.</li><li>Proactively engage with customers to understand their evolving needs and offer tailored solutions.</li><li>Maintain accurate customer records and document feedback to support continuous improvement efforts.</li></ul>

Order Entry Specialist We are seeking a skilled Order Entry Specialist to join our team in the Plastics Manufacturing industry. The Order Entry Specialist will be primarily engaged in customer service, data entry, and some inside sales. The role involves a combination of extensive data entry, some purchasing, account management, and frequent email communication. This role is a contract employment opportunity. Responsibilities:• Process customer orders received through various channels like website and email accurately and efficiently.• Undertake data entry tasks to maintain current and accurate customer records.• Conduct outbound calls to existing customers, maintaining a detail-oriented and warm relationship.• Manage customer accounts and execute appropriate actions when necessary.• Carry out some inside sales tasks as part of the role.• Ensure high-quality customer service is consistently provided.• Collaborate closely with a diverse team while also having the ability to function independently.• Exhibit a results-driven approach, with a focus on detail and efficiency.• Use Microsoft Office tools for various tasks.

Sr. Software Engineer We are offering an exciting opportunity for a Senior Software Engineer in King of Prussia, Pennsylvania. In this role, you will be a crucial part of our team, focusing on customer solutions while using your technical skills and passion for customer experience, product engineering, and data/systems analysis. You will be responsible for building and maintaining tools, monitoring production systems, automating processes, creating customer-requested features and addressing customer-reported issues. Responsibilities: • Develop and maintain tools to enhance operational efficiency across Customer Success, Pre-Sales, Post-Sales, and Engineering departments. • Proactively monitor production systems to identify potential issues in advance. • Provide actionable insights through comprehensive data analysis to support decision-making processes. • Address and resolve issues reported by customers efficiently. • Construct smaller customer-requested features to enhance user experience. • Support the Customer Success and Engineering teams in overcoming challenges. • Stay up-to-date with emerging technologies and industry best practices, continuously learning and adapting.

Bookkeeper We are currently partnering with a manufacturing client in Lakewood for a Bookkeeper opening. In this role, you will focus on managing customer billing, overseeing accounts payable and receivable, handling sales order processing, conducting bank and credit card reconciliations, and providing light administrative assistance. Great opportunity to join a wonderful team! Responsibilities:• Manage customer billing processes to ensure accuracy and timeliness• Oversee accounts payable and receivable to maintain financial records and ensure payments are up-to-date• Handle sales order processing to ensure smooth and efficient operations• Conduct bank and credit card reconciliations to maintain accurate financial records• Provide light administrative assistance as needed to support the team• Use QuickBooks for various bookkeeping tasks• Utilize Microsoft Excel for data entry and record-keeping• Perform account reconciliations to ensure accurate reporting and ledger maintenance• Maintain accurate bookkeeping records and data entry processes.

Small Company Controller Looking for a role where your organizational and number-crunching skills can truly shine? We're on the hunt for a rock star Small Company Controller to join our crew. You'll be keeping the financial side of things tight and running the show behind the scenes—all while being part of a fun, forward-thinking team. What You’ll Be Doing:<ul><li>Accounts Payable and Accounts Receivable: Own the accounts payable and receivable process, ensuring invoices are paid without a hitch.</li><li>General Ledger Management: Input financial data (expenses, receipts, budgets, etc.) into our accounting software like a pro.</li><li>Payroll and Commissions: Keep the team happy by making sure everyone gets paid on time.</li><li>Sales Tax: Manage Multistate sales taxes for services completed in other states across the country. </li><li>Monthly Close: Close the books monthly through our internal ERP system </li><li>Budget Management: Help us stay organized by creating detailed financial reports (weekly, monthly, yearly).</li></ul>

Revenue Accountant Responsibilities: • Assist in the development of new or modified commercial offerings and commission plans.• Ensure adherence to all financial and accounting regulations along with internal policies and procedures.• Collaborate with US commercial teams to guarantee accurate revenue recognition for all customer orders, including invoicing.• Take responsibility for the calculation and recording of monthly US sales commissions.• Provide support in monthly budget to actual variance analysis for revenue, operating expenses, and capital expenses.• Support the quarterly review and annual audit conducted by the external auditing firm.• Manage all sales and use tax, franchise tax, and other tax-related filings with each applicable US jurisdiction.

Audit Staff - Public We are offering an exciting opportunity in the financial industry, located in Dover, Delaware, United States. We are looking for an Audit Staff - Public to join our team, who will play a crucial role in performing audit functions, working with accounting software systems, and handling audit engagements. Responsibilities: • Conducting regular audits, including financial, operational, and information systems audits, to ensure compliance with regulations and standards• Preparing and executing audit plans and programs, ensuring all audit activities are performed accurately and efficiently• Utilizing various accounting software systems, such as CaseWare, CCH ProSystem Fx, and CCH Sales Tax, for auditing purposes• Participating in annual internal and external audits, contributing to the development of audit processes and procedures• Assisting in audit engagements, actively communicating with clients to gather necessary information and address their inquiries • Implementing and monitoring budget processes, ensuring the effective allocation of resources during audit engagements• Maintaining up-to-date knowledge of auditing practices and industry regulations, applying this knowledge to improve audit functions• Reviewing and verifying the accuracy of financial records and reports, identifying discrepancies and suggesting corrective actions • Collaborating with the team to achieve audit objectives and improve overall audit efficiency

Accounting Clerk We are actively searching for a Recruiting Coordinator to join our team in PHILADELPHIA, Pennsylvania. This role significantly contributes to our operations by managing customer applications and maintaining accurate records. The individual will also be tasked with monitoring customer accounts and taking appropriate actions. Primary Responsibilities· Manage the end-to-end recruitment process for branch managers, including sourcing candidates, reviewing resumes, and conducting first-round interviews.· Collaborate with hiring managers and stakeholders to assess candidate suitability and coordinate second-round interviews.· Build targeted hiring strategies for counter sales positions initially, expanding to other department needs over time.· Review incoming resumes and applications using Applicant Tracking Systems (ATS) or other recruitment technologies.· Write performance-related memos and disciplinary documentation for staff, when required, in collaboration with HR leadership.· Track and report on hiring metrics, including candidate pipelines, time-to-fill, and interview success rates.· Act as the recruitment subject matter expert for your assigned region, leveraging insights to streamline processes and meet hiring goals.· Stay informed on industry trends to ensure competitive recruitment practices.

Assistant Controller We are in the search for a meticulous Assistant Controller to be part of our client's team in the Credit Union industry located in Philadelphia, Pennsylvania. In this role, the Assistant Controller will be responsible for various tasks such as maintaining accurate financial records, ensuring quality service to members and staff, and assisting in the development of financial reports. The role also involves overseeing the financial close process and participating in the budget process. Responsibilities:• Oversee the maintenance and processing of data used in the asset and liability model • Assist in the development and maintenance of all financial reporting including month-end, Board reports, Asset-Liability Committee reports, and regulatory and annual audits• Participate actively in the budget process, including the collection, development, and formalization of required data• Oversee the review and reporting of mortgage accounting activities, including accrued interest, service fees, portfolio inventory, and recordkeeping of loan sales and payoffs• Assist in maintaining a highly motivated, well-trained staff and evaluate job performance to ensure quality of work and service to members and staff• Analyze, document, and make recommendations related to lines of business, products, or services as needed• Oversee the Investment Accounting and Administration• Assist with the development and maintenance of financial and statistical metrics as defined in the organization's strategic plan• Aid in coordinating critical activities required during a disaster recovery event• Oversee accounting and review of all AES/PHEAA/Student Choice/Lendkey loan reporting• Assist with various federal, state, and local filings• Ensure completion and preparation of accurate and timely prepared general ledger reconciliations for all entities

Director of Finance Robert Half is on the hunt for an energetic and seasoned Director of Finance to spearhead our client's financial strategies and processes. In this Director of Finance role, you'll report directly to the President and will be entrusted with managing all finance-related activities, with a goal to ensure the financial wellbeing of our organization, while aligning our fiscal strategies with business objectives. A critical facet of this role involves promoting operational and fiscal excellence throughout our port and marine terminal operations as the Director of Finance. Located in South Jersey, this is a great opportunity, so apply today! Responsibilities::<ul><li>Manage the finance and accounting teams, fostering detail-oriented development and collaboration.</li><li>Develop and implement financial strategies in line with the company's growth and operational goals.</li><li>Provide advice to executive management on the financial implications of business activities, operational plans, and strategic decisions.</li><li>Oversee the budgeting, forecasting, and financial reporting processes.</li><li>Monitor financial performance, identify trends, and suggest corrective actions as needed.</li><li>Ensure compliance with GAAP and tax regulations.</li><li>Oversee internal controls and audit processes to ensure integrity and accountability.</li><li>Collaborate with operations teams to evaluate financial performance at contracted port sites.</li><li>Handle day-to-day accounting functions as needed. </li><li>Partner with other departments such as operations and sales to optimize financial and operational outcomes.</li></ul>

Graphic Designer We are seeking a Graphic Designer to join our team in Bala Cynwyd, Pennsylvania, in the retail industry. This role offers a long term contract employment opportunity. As a Web Site Designer, you will be responsible for creating engaging visual assets to communicate our brand, products, and services effectively to a business-focused audience. Responsibilities • Collaborate on the production of various marketing assets, such as email templates, website graphics, and digital advertising materials• Ensure the consistency of all designs with our brand standards, contributing to a unified visual presence across all deliverables• Engage actively with our marketing, content, and sales teams to comprehend project goals, target audiences, and intended messaging• Utilize user feedback and marketing insights to refine designs for enhanced engagement and conversion rates• Manage multiple projects simultaneously, delivering high-quality, timely outputs in line with our expectations• Incorporate the latest tools, including AI-based solutions, to streamline design processes and produce innovative visual content• Stay current with design trends, particularly within B2B industries, to ensure our visual identity remains fresh and contemporary• Design B2B-focused marketing assets, including brochures, whitepapers, case studies, infographics, presentations, and trade show materials.

Fleet Coordinator Innovative, logistics organization seeks a Fleet Coordinator with previous experience managing the transportation operations of the company. This role involves ensuring the efficient and timely movement of goods from suppliers to customers, coordinating with the warehouse and sales team to establish appropriate scheduling and delivering, analyzing invoices for payment, maintaining accurate records of inventory of shipments, arranging transportation and handling shipping documents, prepare and present reports on logistics performance matrix, and analyzing logistics data to identify areas for improvement. As the Fleet Coordinator, you will also maintain warehouse relationships, coordinate with transportation providers, assist with price negotiations, and ensure compliance within standard operating procedures. Primary Duties· Manage supply orders and inventory· Analyze and optimize logistical procedures· Review and track purchase orders for accuracy · Assist with vendor onboarding· Provide efficient storage solutions· Communicate with nationwide suppliers· Account Management· Prepare reports for management· Ensure prompt and proper movement of products· Arrange expedited deliveries as needed

Finance Manager Rapidly growing client seeks a proactive and strategic Finance Manager to oversee financial operations for their distribution business. The Finance Manager will be responsible for budgeting, financial planning, cash flow management, and providing financial insights to support business decisions. In this role, you will also perform ROI analysis, create and maintain complex financial models, provide leadership where needed, develop KPIs, monitor financial performance, develop and implement cost-reduction strategies and financial control, and provide management with strategic plans for long-term financial benefits for the organization. We ideally want a candidate who can own all aspects of the financial management function, possess strong P& L expertise, and advanced budgeting skills. What you get to partake in:· Oversee day-to-day financial operations including general accounting, budgeting, and forecasting· Collaborate with internal teams to access financial performance and cost efficiency· Analyze financial data and prepare monthly, quarterly, annual reports· Coordinate with management team on profit loss analysis· Report on various investment analysis· Develop financial models and pricing strategies to support sales and margin improvement· Implement internal controls and financial procedures to safeguard company assets

Group Controller We are in the process of recruiting a Group Controller to join our Sales team based in Pennsauken, New Jersey. In this role, you will be tasked with overseeing the accounting functions of our manufacturing and distribution facilities. Key functions will include internal and external financial reporting, maintenance of internal controls, and ensuring compliance with corporate accounting policies and GAAP. Responsibilities: • Oversee and manage the Company's accounting functions, including the maintenance of internal controls and adherence to corporate accounting policies • Lead the implementation of systems and utilize existing resources to improve current processes and drive efficiencies • Supervise and develop a large accounting team, enhancing their technical skills through a structured training and development program • Oversee the monthly financial close process, including the production of consolidated statements, balance sheets, income statements, and cash flow statements • Develop an accounting framework to monitor a high volume of construction/distribution type projects with varying revenue recognition criteria • Coordinate and support the combined annual audit with external auditors and the home office • Work closely with senior management to identify and address potentially adverse finance issues in a timely manner • Comply with local, state, and federal government reporting requirements and tax filing • Conduct ad-hoc analysis as required by management for decision-making purposes • Establish and maintain strong working relationships with management and staff, identifying and developing solutions to a full range of business issues.

Indirect Tax Supervisor Manufacturing firm located in the Southern New Jersey area is looking to hire an Indirect Tax Supervisor with proven tax compliance expertise. As the Indirect Tax Supervisor, you will ensure compliance with tax laws and regulations, collaborate with internal terms, tax authorities, and external consultants to minimize tax risks and optimize tax efficiencies, assist with personal property tax audits, perform account reconciliations, monitor general ledger accounts, maintain proper documentation and records for audits and regulatory requirements, and analyze tax data and transactions to identify discrepancies and potential risks. We are looking for someone who can configure and troubleshoot the sales/use tax software platform, collaborate with finance and IT teams to optimize tax reporting systems and automation tools. Major Responsibilities· Oversee the preparation, review, and filing of indirect tax returns· Ensure timely and accurate tax reporting in compliance with local, state, and international regulations· Provide tax advice and support business transactions· Oversee tax calendars/schedules to ensure timely execution of tax returns· Draft resale certificates for vendors/suppliers· Implement process improvements to enhance tax compliance· Train and mentor team members on tax policies and best practices

Bookkeeper We are on the lookout for a proficient Bookkeeper to be a part of our team in Mt Laurel, New Jersey. In this role, you will be expected to manage and maintain our financial records, including purchases, sales, receipts, and payments. This role offers a long term contract employment opportunity. Responsibilities:• Ensuring accurate and efficient processing of account reconciliations.• Overseeing the accounts payable and accounts receivable processes.• Conducting bank reconciliations to ensure financial accuracy.• Employing skills in bookkeeping to maintain and update financial records.• Performing data entry tasks as required for financial record keeping.• Utilizing Microsoft Excel to create spreadsheets and reports.• Managing the month-end close process to ensure timely financial reporting.• Administering payroll to ensure all staff are paid accurately and on time.• Operating QuickBooks for accounting functions and financial management.