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The role of a Territory Sales Representative (known internally as a TSC - Territory Sales Consultant) is an excellent opportunity to actively drive sales growth, create demand and expand product awareness across assigned B&Q stores.As a TSC at Sherwin-Williams, you will be expected to create demand where none exists, open conversations that others avoid, and take full ownership of growing your territory - even when conditions are uncertain.This is a field-based, commercially focused role covering B&Q stores (Leeds, Bradford, Halifax, Dewsbury, Huddersfield, Keighley and Thornbury areas of Yorkshire.). Candidates must live within the territory.This position is ideal for a sales professional with retail sales or service experience who is energized by creating opportunities, influencing others, and building momentum in dynamic environments.In return, we offer an exciting career with ongoing support and development, attractive salary, uncapped sales bonus, car, lunch allowance and a company pension.The Role What You Will DoAs a Territory Sales Consultant, you will go beyond maintaining stores - you will create opportunity, drive demand and build long-term value:Proactively create sales opportunities within each store by identifying gaps, underperformance and untapped potential - without waiting for directionBuild and nurture strong relationships with store associates, store management and key stakeholders to influence behaviour and drive product advocacyDeliver engaging product and sales training sessions that equip store teams to sell more confidently and effectivelyContinuously promote and represent the brand to both store teams and consumers, positioning value rather than just productsIdentify and act on opportunities for upselling, cross-selling and space optimisation, turning insight into actionTake ownership of in-store performance by ensuring merchandising, displays, signage and stock presence maximise sales impactPlan and execute in-store events and activations that generate demand and increase conversionUse CRM tools to track activity, build pipeline visibility and identify growth opportunitiesEnsure in-store activity is executed with pace, discipline and consistency across your territoryProactively identify and engage pro-consumer customers within store, initiating meaningful conversations to assess trade potential and future value.Secure consent to maintain ongoing contact and build a pipeline of emerging trade accounts.What We Are Looking ForExperience in Customer Service, Sales, Retail, Marketing or MerchandisingDemonstrated ability to influence, coach or develop othersA proactive, self-starting approach with a strong sense of ownership and accountabilityConfidence working in a fast-paced, changing environment with ambiguity and competing prioritiesEvidence of resilience, persistence and a drive to achieve results through othersRetail experience is advant ageousWillingness to work a flexible schedule (including a minimum of 2 Saturdays per month and bank holidays)Full, valid drivers licenceWhat We Can OfferThe established salary range for this position is GBR 30,000 - 35,000Sales bonus scheme (uncapped on target at 10%)Hybrid company car (also for private use) + fuel cardLunch allowance (non-taxed, no receipts required)Company pension schemeFlexible working schedule (including weekends and bank holidays)Continued salary during sickness & 25 days annual leaveWork-life balanceCareer development opportunitiesOngoing training and supportPay transparencyThe salary range shown refers to base salary only. In addition to this, we offer a broader total reward package which may include bonus or incentive pay, relevant allowances, and a range of competitive benefits. We encourage candidates to consider the full package when evaluating an offer.Salary is determined using a structured and objective framework, taking into account the roles responsibilities, required skills and experience, market benchmarks, and internal equity. This ensures pay decisions are fair, consistent, and aligned with our commitment to equal pay and legal compliance.At Sherwin-Williams, our purpose is to inspire and improve the world by coloring and protecting what matters. Our paints, coatings and innovative solutions make the places and spaces in our world brighter and stronger. Your skills, talent and passion make it possible to live this purpose, and for customers and our business to achieve great results. Sherwin-Williams is a place that takes its stability, growth and momentum and translates it to possibility for our people. Our people are behind the strength of our success, and we invest and support you in:Life with rewards, benefits and the flexibility to enhance your health and well-beingCareer with opportunities to learn, develop new skills and grow your contributionConnection with an inclusive team and commitment to our own and broader communitiesIt's all here for you... let's Create Your PossibleEligibility to WorkYou will need to provide proof of right to work. It is a condition of any offer of employment we make to you that you have the permission to work in the country for the role for which you are applying for.Equal Opportunity EmployerAn equal opportunity employer, all qualified applicants will receive consideration for employment and will not be discriminated against based on race, colour, religion or belief, gender, sexual orientation, gender identity, ethnic or national origin, disability, age pregnancy or maternity, marital or civil partner status, or any other protected characteristic prohibited by law.Please be aware, Sherwin-Williams recruiting team members will never request a candidate to provide a payment, ask for financial information, or sensitive personal information like national identification numbers, date of birth, or bank account numbers during the application process.TPBN1_UKTJ

\n At Johnson & Johnson, we believe health is everything. Our strength in healthcare innovation empowers us to build a world where complex diseases are prevented, treated, and cured, where treatments are smarter and less invasive, and solutions are personal. Through our expertise in Innovative Medicine and MedTech, we are uniquely positioned to innovate across the full spectrum of healthcare solutions today to deliver the breakthroughs of tomorrow, and profoundly impact health for humanity. Learn more at jnj.com. \n As guided by Our Credo, Johnson & Johnson is responsible to our employees who work with us throughout the world. We provide an inclusive work environment where each person is considered as an individual. At Johnson & Johnson, we respect the diversity and dignity of our employees and recognize their merit. Job Function: Legal & Compliance\n Job Sub Function: Law Business Partners \n Job Category: People Leader \n All Job Posting Locations: Leeds, West Yorkshire, United Kingdom Job Description\n DePuy Synthes is recruiting for a Director, UK/Ireland and Nordics, located in Leeds, United Kingdom. Johnson & Johnson announced plans to separate our Orthopedics business to establish a standalone orthopedics company, operating as DePuy Synthes. The process of the planned separation is anticipated to be completed within 18 to 24 months, subject to legal requirements, including consultation with works councils and other employee representative bodies, as may be required, regulatory approvals and other customary conditions and approvals. Should you accept this position, it is anticipated that, following conclusion of the transaction, you would be an employee of DePuy Synthes and your employment would be governed by DePuy Synthes employment processes, programs, policies, and benefit plans. In that case, details of any planned changes would be provided to you by DePuy Synthes at an appropriate time and subject to any necessary consultation processes. The Director, UK/Ireland and Nordics serves as the senior legal advisor for DePuy Synthes across UK/Ireland and Nordics region. This role provides legal and operational counsel to senior business leaders, enabling compliant growth, risk-informed decision-making, and sound commercial execution within a highly regulated medical devices environment. This role partners closely with commercial, supply chain, regulatory, and government affairs teams, and plays a critical role in managing risk, supporting complex transactions, and shaping ethical business practices in a highly regulated environment. The position acts as a trusted partner to UK/Ireland and Nordics leadership and collaborates with Privacy, Health Care Compliance and other functions. Key Responsibilities\n \n • Serve as the primary legal advisor for DePuy Synthes in UK/Ireland and Nordics regions, advising senior business and functional leaders on legal and compliance matters.\n, • Provide legal guidance on healthcare compliance, regulatory matters, advertising and promotion, product liability, legal disputes, and interactions with healthcare professionals and institutions.\n, • Draft, review, and negotiate a broad range of commercial agreements, including distributor, customer, government, consulting and strategic alliance contracts.\n, • Identify, assess, and manage legal and compliance risks, developing practical mitigation strategies aligned with business objectives.\n, • Partner closely with regional Health Care Compliance and Privacy teams to ensure alignment with company policies and standards.\n, • Support investigations, disputes, regulatory inquiries and litigation matters in coordination with in‑house and external counsel and manage legal spend.\n, • Monitor changes in local and regional laws affecting the medical devices industry in UK/Ireland and Nordics regions, proactively advising the business on implications.\n, • Support ethics, compliance training initiatives, and promote a strong culture of integrity across the region.\n, • Champion the transformation of legal service delivery through the effective use of AI, automation, digital platforms, and emerging technologies.\n, • Reimagine legal workflows and operating models to deliver legal services more efficiently to drive greater business value.\n Qualifications\n \n, • Education: Bachelor’s degree in Law (LLB or equivalent) required\n, • Qualified solicitor/barrister (UK or Ireland) required\n, • Advanced legal or business degree (LLM, MBA) preferred\n Experience and Skills\n \n, • Required: Candidates should have significant post‑qualification experience (typically in the region of 10-12 years, though candidates with less experience who can demonstrate the requisite level of expertise are also encouraged to apply).\n, • Senior in‑house or equivalent experience advising regulated industries.\n, • Strong knowledge of UK/Ireland and Nordics regions healthcare, regulatory, and commercial law.\n, • Strong negotiation, drafting and contract interpretation skills.\n, • Demonstrated ability to provide clear, commercially grounded and pragmatic legal advice to senior business leaders and cross‑functional teams.\n, • Experience managing complex commercial contracts, legal risk mitigation, and external counsel.\n, • Demonstrated ability to lead strategic initiatives and drive organizational outcomes.\n, • Strong business acumen, judgment and integrity, with the adaptability to operate effectively in a complex, fast‑evolving global organization, including comfort working through ambiguity and a demonstrated willingness to engage with innovative solutions, technology, and new ways of working and ability to operate effectively in a complex global organization.\n Preferred\n \n, • Experience in healthcare, medical devices, or highly regulated industries\n, • Knowledge of compliance programs, corporate policies, and governance frameworks\n, • Experience working in multinational or global organizations\n, • Ability to influence external regulatory environments and industry discussions\n, • Track record of mentoring and developing legal talent\n, • Familiarity with cross-border legal operations and regional commercial strategies\n Other\n \n, • Language requirements – English (fluency required)\n, • Travel – Approximately 10–20% across the UK, Ireland, and occasionally internationally\n, • Certifications – Active legal practicing certificate (preferred/required depending on jurisdiction)\n, • Valid driver’s license may be required\n Required Skills\n \n, • Business Agility\n, • Business Alignment\n, • Commercial Laws\n, • Compliance Management\n, • Consulting\n, • Corporate Governance\n, • Developing Others\n, • Dispute Resolution\n, • Inclusive Leadership\n, • Industry Analysis\n, • Lawyering\n, • Leadership\n, • Leading Change\n, • Legal Services\n, • Negotiation\n, • Representing\n, • Strategic Thinking\n \n At Johnson & Johnson, we believe health is everything. Our strength in healthcare innovation empowers us to build a world where complex diseases are prevented, treated, and cured, where treatments are smarter and less invasive, and solutions are personal. Through our expertise in Innovative Medicine and MedTech, we are uniquely positioned to innovate across the full spectrum of healthcare solutions today to deliver the breakthroughs of tomorrow, and profoundly impact health for humanity. Learn more at https://www.jnj.com/. \n #J-18808-Ljbffr

\n At Johnson & Johnson,we believe health is everything. Our strength in healthcare innovation empowers us to build aworld where complex diseases are prevented, treated, and cured,where treatments are smarter and less invasive, andsolutions are personal.Through our expertise in Innovative Medicine and MedTech, we are uniquely positioned to innovate across the full spectrum of healthcare solutions today to deliver the breakthroughs of tomorrow, and profoundly impact health for humanity.Learn more at jnj.com. As guided by Our Credo, Johnson & Johnson is responsible to our employees who work with us throughout the world. We provide an inclusive work environment where each person is considered as an individual. At Johnson & Johnson, we respect the diversity and dignity of our employees and recognize their merit. \n Job Function: Supply Chain Deliver Job Sub Function: Multi-Family Supply Chain Deliver Job Category: People Leader All Job Posting Locations: Leeds, West Yorkshire, United Kingdom \n Job Description: Johnson & Johnson announced plans to separate our Orthopaedics business to establish a standalone orthopaedics company, operating as DePuy Synthes. The process of the planned separation is anticipated to be completed within 18 to 24 months, subject to legal requirements, including consultation with works councils and other employee representative bodies, as may be required, regulatory approvals and other customary conditions and approvals. Should you accept this position, it is anticipated that, following conclusion of the transaction, you would be an employee of DePuy Synthes and your employment would be governed by DePuy Synthes employment processes, programs, policies, and benefit plans. In that case, details of any planned changes would be provided to you by DePuy Synthes at an appropriate time and subject to any necessary consultation processes. The Senior Director, Network Development & Execution provides enterprise leadership to develop, evaluate, and execute network strategies that improve service, resilience, cost-to-serve, and scalability across the Deliver organization. This leader translates business strategy into an actionable network roadmap, establishes governance and performance mechanisms, and leads cross-functional execution across logistics, distribution, and customer service operations. Operating as a senior, cross-functional leader, the role drives end-to-end network decisions (e.g., capacity, footprint, flows, and operating model) through robust business cases, disciplined program management, and measurable benefit delivery. Key Responsibilities\n \n • Network Strategy Development (Design → Decision) Develop an integrated Supply Chain network strategy aligned to business priorities, customer needs, and growth plans; translate strategy into a multi-year roadmap with clear milestones and outcomes. Lead network assessments and scenario evaluation to optimize service, capacity, resilience, and cost-to-serve, balancing trade-offs and recommending the best path forward. Establish network standards and capabilities that can be leveraged at scale across business units/regions within Deliver.\n, • Execution Leadership & Program Governance (Decision → Delivery) Design and execute a global roadmap to turn network strategies into clear programs, ensuring consistent and effective implementation. Lead a portfolio of network initiatives from concept through execution, ensuring disciplined project management, risk management, stakeholder alignment, and cadence-based reporting. Build and maintain robust business cases for strategic network changes, including investment requirements, assumptions, options, and measurable benefits. [careers.jnj.com] Establish and enforce governance routines and performance mechanisms to ensure accountability for outcomes and benefits realization.\n, • End-to-End Deliver Performance & Continuous Improvement Provide leadership oversight to improve end-to-end Deliver performance through systems, process controls, and continuous improvement—strengthening reliability, responsiveness, and execution rigor. Establish, monitor, and communicate key performance indicators (KPIs) and use benchmarking/performance insights to improve service, cost efficiency, quality, and vendor performance. Identify structural opportunities across logistics and service models to optimize cost-to-serve while maintaining or improving customer outcomes.\n, • IBP / Demand & Capacity Trade-off Leadership Serve as a senior contributor in Integrated Business Planning (IBP) by providing insights into demand signals, capacity constraints, and risk/opportunity trade-offs; help translate commercial ambition into executable supply chain plans. Optimize working capital by driving network optimization initiatives that balance inventory levels, service reliability and cost efficiency for better cash flow generation. Partner with leaders to proactively surface network constraints and remove recurring bottlenecks impacting service, growth, and cost.\n, • Financial, Compliance & Operational Management Manage operational governance for the function/programs, including budget oversight, performance management, and compliance/risk considerations. Partner with Finance to ensure strong financial planning, tracking, and transparency for network programs, including savings and investment performance.\n, • People Leadership & Capability Building Lead, coach, and develop leaders and high-performing teams; build succession-ready capability across network strategy, analytics, and execution. Foster a culture of accountability, collaboration, customer focus, and continuous improvement across diverse, matrixed stakeholders.\n Qualifications & Experience Required\n Bachelor’s degree in Engineering, Business, Supply Chain, Operations, or related discipline. Typically 14+ years of progressive experience with significant leadership responsibility in Supply Chain, Operations, Logistics, Distribution, or related enterprise functions. Establish success in guiding network investment and divesture decisions, driving both service optimization and cost efficiency supporting company objectives. Demonstrated success translating enterprise/business strategy into functional strategic plans and executing with measurable operational and financial impact. Experience operating effectively in a complex, matrixed organization and influencing outcomes through cross-functional partnership. Proven experience managing advanced network optimization and modeling software tools to drive strategic supply chain decisions. Strong business and financial acumen (P&L, capital investments, savings/value delivery). Preferred Advanced degree (MBA or relevant master’s Lean / Six Sigma and/or structured continuous improvement leadership experience. \n Required Skills: Preferred Skills: \n \n • Analytical Reasoning\n, • Budget Management\n, • Business Continuity Planning (BCP)\n, • Demand Forecasting\n, • Developing Others\n, • Distribution Management\n, • Distribution Resource Planning (DRP)\n, • Financial Competence\n, • Global Market\n, • Inclusive Leadership\n, • Inventory Optimization\n, • Leadership\n, • Materials Handling\n, • Order Management\n, • Organizing\n, • Procurement Policies\n, • Relationship Building\n, • Strategic Supply Chain Management\n, • Strategic Thinking\n \n At Johnson & Johnson,we believe health is everything. Our strength in healthcare innovation empowers us to build aworld where complex diseases are prevented, treated, and cured,where treatments are smarter and less invasive, andsolutions are personal.Through our expertise in Innovative Medicine and MedTech, we are uniquely positioned to innovate across the full spectrum of healthcare solutions today to deliver the breakthroughs of tomorrow, and profoundly impact health for humanity.Learn more at https://www.jnj.com/. \n #J-18808-Ljbffr

BSL is seeking an experienced Sales Representative to manage smaller aerospace accounts, drive revenue growth, and maintain a healthy book of business in Wakefield.The role requires collaboration with procurement, engineering, and logistics to meet customer expectations and ensure on‑time delivery

Business Development Representative (BDR) to generate qualified meetings, SQLs, and early-stage pipeline through inbound follow-up and outbound prospecting.

Other suitable skills and experience includes Technical Sales Representative, Applications Engineer, Industrial Sales Engineer, Field Sales Engineer, Mechanical Sales Engineer, Maintenance Engineer, Reliability Engineer, Business Development Engineer, Technical Account Manager, Industrial Account Ma

Business Development Representative (BDR). Business Insurance Best Places to Work – 2 years. To be successful, the BDR must understand key business issues, identify prospect needs, and partner closely with Sales to create high-quality opportunities for Riskonnect solutions.

Seeking an enthusiastic Business Development Representative to expand customer base by identifying businesses, generating interest in IT solutions, and managing the sales pipeline from lead generation to closing deals.

This role involves generating leads for a SaaS company within the insurance industry, focusing on claims and operations stakeholders.

A leading international organisation is seeking an experienced Compliance Manager to join its Compliance function for a 14 month contract. Reporting directly to the Head of Compliance, the successful candidate will play a key role in managing regulatory compliance risk across the global organisation, providing practical advice and support to businesses across multiple jurisdictions. This is a highly visible role, working collaboratively with senior stakeholders and global business teams to maintain high standards of regulatory compliance and support the continued development of the Compliance function. The key roles and responsibilities for this person will include: Supporting the Head of Compliance in managing regulatory compliance risks, including Anti-Bribery & Corruption, Data Protection and International Sanctions Monitoring new and emerging regulatory requirements and supporting the implementation of relevant actions across the Group Developing, reviewing and maintaining compliance policies, processes and internal controls Conducting compliance risk assessments, maintaining compliance risk registers and implementing appropriate risk mitigation measures Acting as the Group's Data Protection SME, including ownership and development of Data Protection policies, processes and controls Developing and delivering Data Protection awareness campaigns and training, alongside ongoing monitoring and testing Supporting the Group's international sanctions risk programme, with particular focus on the global supply chain Conducting risk-based screening and monitoring of global suppliers, customers and relevant sales opportunities Identifying sanctions risk red flags and escalating issues appropriately to the Head of Compliance Working closely with global business teams to provide compliance advice relating to the appointment and renewal of sales agents and authorised re-sellers Conducting on-boarding and renewal due diligence across the sales representative network Overseeing Anti-Bribery & Corruption training requirements for sales representatives The ideal candidate requirements for this role will include the following: Proven experience within a regulatory compliance environment, ideally within a global organisation Strong knowledge and practical experience of Data Protection within an international business Experience across areas such as Anti-Bribery & Corruption, International Sanctions and regulatory risk management Strong understanding of compliance policies, processes, controls and risk assessments Excellent stakeholder management and communication skills, with the ability to build effective relationships across international businesses Self-motivated and proactive, with a genuine interest in using compliance to drive positive business change Ability to work independently while also contributing effectively within a wider team Strong organisational and workload management skills, with the ability to manage multiple priorities and meet deadlines Excellent analytical and problem-solving skills, with strong attention to detail This is an excellent opportunity for an experienced Compliance Manager to take on a broad, high-profile role with significant international exposure. My client is looking for someone who can start mid November / early December and will offer Hybrid working. If you feel you have the required skills and experience for this role, please apply ASAP. INDFIN

This is a regional role that involves regular travel to customer sites, engaging with businesses to deliver innovative waste management solutions that align with their sustainability goals.

Business Development Representative. Business Development Representative. Scoro is a professional services automation (PSA) software that helps agencies, consultancies, and professional service businesses gain visibility, boost profitability, and standardize operations.

Business Development Representative. Provenir is the unified Decision Intelligence Platform that gives enterprises full control over end- to-end customer decisioning — to manage risk, drive growth, and transform business outcomes. Proven track record of experience in business development and lead

We are looking for a Business Development Representative with a proven track record, and the ideal person would be a results driven individual looking to be a high earner. As a Business Development Representative, you will be the first point of contact for potential and existing customers, actively

Get notified about new Business Development Representative jobs in. Sales Development Representative (SDR). Sales Development Representative (SDR) – Mid to senior level.

We are looking for a New Business Representative to join our customer teams at Hastings Direct in Leicester.

Graduate Business Development Representative (HF1246468). Get notified about new Business Development Representative jobs in. Helping Businesses Attract, Develop and Retain Top Early Career Sales Talent 🌱.

We’re building a new insurance business from the ground up to protect SMEs, and we’re looking for Business Development Representatives to join our team. Proactively engage with SME business operators by phone ahead of their business insurance renewal date to offer a better alternative. We're loo

Briefing Solution Engineer Team on Business Challenges / Business Requirements #Creation of Detailed Proposal and Deal Review with Delivery Team. Business Development Representative for Salesforce. Suitable to performance driven individuals who are financially motivated in driving new business oppor

We are delighted to be supporting the appointment of a proactive and ambitious Business Development Representative to join a growing specialist business change consultancy. Business Development Representative — Leeds / North East England (Remote / Hybrid). Confident engaging with senior business s

Acting as the primary point of contact between customers and the business, they will manage sales activities, including timely submission of quotes, order management, and after-sales support, while maintaining program business levels and pursuing new opportunities. Sales & Business Development Repre

Business Development Representative - French Speaking. As an Associate Seller (Business Development Representative), you will join our North America or EMEA sales development team and focus on creating qualified pipeline opportunities within the insurance sector. In this role, you will leverage a co

We’re building a new insurance business from the ground up to protect SMEs, and we’re looking for Business Development Representatives to join our team. You’ll introduce our new insurance offering to businesses tired of the status quo, helping SMEs move away from complicated, slow insurance po

Business Development Representative. By consolidating data, AI models, intelligence, agents and governance into a single decisioning environment, Provenir empowers business teams to configure and evolve strategy directly, while maintaining enterprise-grade reliability and regulatory compliance. Demo

As a Business Development Representative at Molten Cloud, you will play a key role in building and accelerating our European business. As we expand our European presence, we’re looking for an ambitious Business Development Representative (BDR) to join the team and grow into a full Account Executiv

As a Business Development Representative (BDR) at Solink, you will play a crucial role in driving growth by identifying and generating new business opportunities. Solink has been recognized by Deloitte’s Fast 50 and Fast 500, the Business Intelligence Group, and is listed among Ottawa’s Best Pla

The chance to be part of a rapidly scaling business. Klipboard provides specialist software, services and support to deliver fully integrated trading and business management solutions to companies in the distributive trade – wherever they are in the world. Reporting to and working side by side wit

We are delighted to be supporting the appointment of a proactive and ambitious Business Development Representative to join a growing specialist business change consultancy. Business Development Representative. Proven experience conducting outbound prospecting and new business activity.

Graduate Business Development Representative (BDR). Graduate Business Development Representative (BDR). Are you a recent graduate ready to kickstart your career in sales and thrive in a fast‑paced, high‑growth environment? We’re looking for a hungry, motivated Graduate BDR to join our early‑

Seeking a Senior BDR/SDR to drive outbound growth in global enterprise markets by engaging C-suite executives through personalized email and calling.Role involves account ownership, campaign creation, and pipeline management with potential for high earnings.

Seeking a motivated Business Development Representative to join a sales team, focusing on warm calls, identifying cross-selling opportunities, and managing customer interactions to achieve sales targets.

This role involves outbound calls, lead qualification, and meeting bookings within a sales team.

At Aprimo, the Business Development Representative (BDR) will work with Demand Generation to assist Account Executives (AE) to drive new business revenue. Position Title: Business Development Representative. Work with prospects to identify business challenges through structured discovery conversatio

This role involves identifying, prospecting, and nurturing enterprise businesses to generate top-of-funnel opportunities, with a focus on delivering customer value.

This role involves reaching out to decision-makers, introducing products, qualifying leads, and driving new business.

The Business Development Representative will drive sales, manage accounts, and deliver software demonstrations, with a focus on new business within the SME profile.

The BDR will generate new business opportunities, build client relationships, and support senior sales team members.

This role focuses on identifying new business opportunities and building relationships with clients in the travel and content creation industry.

Business Development Representative sought to drive new business through outreach and sales calls, targeting senior management at financial institutions.