Written by
2020-07-16

EMI Calculator

Loan Calculator

A loan is a contract between a borrower and a lender in which the borrower receives an amount of money (principal) that they are obligated to pay back in the future. Most loans can be categorized into one of three categories:

  1. Amortized Loan: Fixed payments paid periodically until loan maturity
  2. Deferred Payment Loan: Single lump sum paid at loan maturity
  3. Bond: Predetermined lump sum paid at loan maturity (the face, or par value of a bond)

Amortized Loan: Paying Back a Fixed Amount Periodically

Use this calculator for basic calculations of common loan types such as mortgages, auto loans, student loans, or personal loans, or click the links for more detail on each.

Loan Amount Loan Term years months Interest Rate Compound Pay Back

Results:

Payment Every Month $1,110.21
Total of 120 Payments $133,224.60
Total Interest $33,224.60

Deferred Payment Loan: Paying Back a Lump Sum Due at Maturity

Loan Amount Loan Term years months Interest Rate Compound

Results:

Amount Due at Loan Maturity $179,084.77
Total Interest $79,084.77

Bond: Paying Back a Predetermined Amount Due at Loan Maturity

Use this calculator to compute the initial value of a bond/loan based on a predetermined face value to be paid back at bond/loan maturity.

Predetermined
Due Amount		 Loan Term years months Interest Rate Compound

Results:

Amount Received When the Loan Starts: $55,839.48
Total Interest $44,160.52

 

Related

Mortgage Calculator | Auto Loan Calculator | Lease Calculator

 

Amortized Loan: Fixed Amount Paid Periodically

Many consumer loans fall into this category of loans that have regular payments that are amortized uniformly over their lifetime. Routine payments are made on principal and interest until the loan reaches maturity (is entirely paid off). Some of the most familiar amortized loans include mortgages, car loans, student loans, and personal loans. In everyday conversation, the word “loan” will probably refer to this type, not the type in the second or third calculation. Below are links to calculators related to loans that fall under this category, which can provide more information or allow specific calculations involving each type of loan. Instead of using this Loan Calculator, it may be more useful to use any of the following for each specific need:

Mortgage Calculator Auto Loan Calculator
Student Loan Calculator FHA Loan Calculator
VA Mortgage Calculator Investment Calculator
Business Loan Calculator Personal Loan Calculator

Deferred Payment Loan: Single Lump Sum Due at Loan Maturity

Many commercial loans or short-term loans are in this category. Unlike the first calculation which is amortized with payments spread uniformly over their lifetimes, these loans have a single, large lump sum due at maturity. Some loans, such as balloon loans, can also have smaller routine payments during their lifetimes, but this calculation only works for loans with a single payment of all principal and interest due at maturity.

Bond: Predetermined Lump Sum Paid at Loan Maturity

This kind of loan is rarely made except in the form of bonds. Technically, bonds operate differently from more conventional loans in that borrowers make a predetermined payment at maturity. The face, or par value of a bond, is the amount paid by the issuer (borrower) when the bond matures, assuming the borrower doesn’t default. Face value denotes the amount received at maturity.

Two common bond types are coupon and zero-coupon bonds. With coupon bonds, lenders base coupon interest payments on a percentage of the face value. Coupon interest payments occur at predetermined intervals, usually annually or semi-annually. Zero-coupon bonds do not pay interest directly. Instead, borrowers sell bonds at a deep discount to their face value, then pay the face value when the bond matures. Users should note that the calculator above runs calculations for zero-coupon bonds.

After a borrower issues a bond, its value will fluctuate based on interest rates, market forces, and many other factors. While this does not change the bond’s value at maturity, a bond’s market price can still vary during its lifetime.

Loan Basics for Borrowers

Interest Rate

Nearly all loan structures include interest, which is the profit that banks or lenders make on loans. Interest rate is the percentage of a loan paid by borrowers to lenders. For most loans, interest is paid in addition to principal repayment. Loan interest is usually expressed in APR, or annual percentage rate, which include both interest and fees. The rate usually published by banks for saving accounts, money market accounts, and CDs is the annual percentage yield, or APY. It is important to understand the difference between APR and APY. Borrowers seeking loans can calculate the actual interest paid to lenders based on their advertised rates by using the Interest Calculator. For more information about or to do calculations involving APR, please visit the APR Calculator.

Compounding Frequency

Compound interest is interest that is earned not only on initial principal, but also on accumulated interest from previous periods. Generally, the more frequently compounding occurs, the higher the total amount due on the loan. In most loans, compounding occurs monthly. Use the Compound Interest Calculator to learn more about or do calculations involving compound interest.

Loan Term

A loan term is the duration of the loan, given that required minimum payments are made each month. The term of the loan can affect the structure of the loan in many ways. Generally, the longer the term, the more interest will be accrued over time, raising the total cost of the loan for borrowers, but reducing the periodic payments.

Consumer Loans

There are two basic kinds of consumer loans: secured or unsecured.

Secured Loans

A secured loan means that the borrower has put up some form of asset as a form of collateral before being granted a loan. The lender is issued a lien, which is a right to possession of property belonging to another person until a debt is paid. In other words, defaulting on a secured loan will give the loan issuer legal ability to seize the asset that was put up as collateral. The most common secured loans are mortgages and auto loans. In these examples, the lender holds the deed or title, which is a representation of ownership, until the secured loan is fully paid. Defaulting on a mortgage typically results in the bank foreclosing on a home, while not paying a car loan means that the lender can repossess the car.

Lenders are generally hesitant to lend large amounts of money with no guarantee. Secured loans reduce the risk of the borrower defaulting, since they risk losing whatever asset they put up as collateral. If the collateral is worth less than the outstanding debt, the borrower can still be liable for the remainder of the debt.

Secured loans generally have a higher chance of approval compared to unsecured loans and can be a better option for those who would not qualify for an unsecured loan,

Unsecured Loans

An unsecured loan is an agreement to pay a loan back without collateral. Because there is no collateral involved, lenders need a way to verify the financial integrity of their borrowers. This can be achieved through the five C’s of credit, which is a common methodology used by lenders to gauge the creditworthiness of potential borrowers.

  • Character—may include credit history and reports to showcase the track record of a borrower’s ability to fulfill debt obligations in the past, their work experience and income level, and any outstanding legal considerations
  • Capacity—measures a borrower’s ability to repay a loan using a ratio to compare their debt to income
  • Capital—refers to any other assets borrowers may have, aside from income, that can be used to fulfill a debt obligation, such as a down payment, savings, or investments
  • Collateral—only applies to secured loans. Collateral refers to something pledged as security for repayment of a loan in the event that the borrower defaults
  • Conditions—the current state of the lending climate, trends in the industry, and what the loan will be used for

Unsecured loans generally feature higher interest rates, lower borrowing limits, and shorter repayment terms than secured loans. Lenders may sometimes require a co-signer (a person who agrees to pay a borrower’s debt if they default) for unsecured loans if the lender deems the borrower as risky.

If borrowers do not repay unsecured loans, lenders may hire a collection agency. Collection agencies are companies that recover funds for past due payments or accounts in default.

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Written by
2020-05-01

Arya ****

ARYA V JOHN
VELIYAKATHU HOUSE, BEACHWARD, THIRUVAMPDI.P. O ,688002
ALAPPUZHA
aryajohn94@gmail.com, Phone No: 8590635312, 8606706455
A determined & self-motivated individual with a moral belief on social responsibilities and ethics with good communication skill and ready to work both independently and as a team, utilizing the skills acquired during my course and experience.

EDUCATION
SL NO
NAME OF THE PROGRAMME
NAME OF THE COLEGE
NAME OF THE UNIVERSITY
MARKS OBTAINED
STATUS

1
MSW
Rajagiri College of Social Sciences(Autonomous),Kalamassery
Mahatma Gandhi University, Kottayam
73
Pursuing

2
LLB
Kerala Law Academy Law College, Thiruvananthapuram
Kerala University, Thiruvananthapuram
58
Passed

3
BA LITERATURE ENGLISH
Sanadana Dharma College, Alappuzha
Kerala University, Thiruvananthapuram
67
Passed

4
HIGHER SECONDARY
St. Joseph’s GHSS, Alappuzha
Public Examination Board, Kerala
77
passed

5
SSLC
St. Joseph’s GHSS, Alappuzha
Public Examination Board, Kerala
82
passed

EXPERIENCE
Social work trainee, Actionnaid India Hyderabad, 16th January to 10th February. The organization working inthe fieldsof child education, child protection, community issues, women empowerment and farmers issues.

Social Work Trainee, Alleppey Diocesan Charitable and Social Welfare Society, 1ST July 2019 to 30TH July.
society is working for the development and Upliftment of coastal community of Alappuzha District, Trainee learned the functioning of the agency, and acquired skills for work in a community based organization.

Social Work Trainee, Catholic University of Ruzomberok, Slovakia, 3rd May 2019 to 30th May 2019.
Catholic University
Trainee learned about the differences and similarities in the Field of Social Work in both countries

Social Work Trainee, ICDS Project, Ezhupunna Panchayath, Alappuzha,
6th November to 7th February
Trainee learned what is ICDS, how well this government project works for the children, adolescents, pregnant and lactating mother, and elderly in terms of nutritious food and protection.

Social Work Trainee, Rajagiri outREACH, Kalamasseri, Cochin,
Trainee worked in the field of sponsorship programmes organizing by the agency at Arattupuzha, Alappuzha.

Criminal Law Procedure ,Work done : Case filing and its procedures. ,Team size : 3
Place : Adv. Priyadarsan Thampi, Dist. Court Alappuzha, Kerala,Duration : 20 days

Chamber work And Office work ,Work done : Case handling by Lawyer
Team Size : 3 ,Place : Office of Adv. M R Anandhakuttan, Thiruvananthapuram, Kerala.

Case Filing in Police Station ,Work done : Case filing and Police Station Procedures
Team Size : 3 ,Place : Mavelikkara Police Station, Alappuzha, Kerala
Duration : 10 days

Human Rights Commission ,Work done : Procedures and Functions of Commission.
Team Size : 3 ,Place : Human Rights Commission, Thiruvananthapuram, Kerala.
Duration : 28 days

SKILLS
MS Word
MS PowerPoint
MS Publisher
MS Excel
Documentation

TRAINING AND CERTIFICATION
UGC NET, December 2019
Dyuti International Conferences , Rajagiri College of Social Sciences, Kalamassery , Cochin, January 2019
Minnaminnikoottam ICDS Fest , Ezhupunna Panchayath, February 2019
University of Bath, UK, June 2019
Catholic University Slovakia, May 2019
Dyuti National Conference, Rajagiri College of Social Sciences, Kalamassery Cochin, January 2020
Denovo international conference, De paul College, Angamaly, Cochin,
International conference on Orphan Rights, Force orphan Community, Hyderabad, February 2020

REFERENCES
Dr. Fr Joseph MK ,Head of The Departmat,
Rajagiri College of Social Sciences, Kalamassery, Cochin
Mail id: emkay@rajagiri.edu , phone no: 9447155565
Dr. Kiran Thampi , Professor, Rajagiri College of Social Sciences
Kalamassery, Cochin
Mail id: kiran@rajagiri.edu , phone no:9846281015

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Written by
2019-03-29

arunav ***** ******** ************ **********

Current Job Responsibility:-

 Sourcing of Material: Review Material Specifications, Drawings, Technical recommendations receipt along with Indents. Create Purchase Requisition (in SAP), Co-ordinate publicity activity required for tendering, collection of tender document (two bid systems), Bid opening and Techno Commercial analysis, Comparison, Negotiation and issue purchase order after receipt of necessary approval, order acceptance and material follow up. Cost optimization by sourcing alternate products and new product development.

 

Material Requirement Planning & Inventory Management: Analyze past procurement data, consumption pattern, and lead time for ensuring ready availability of materials to meet user requirements (Material Requirement Planning). Monitor inventory so as to curtail inventory-holding expenses and adherence to the minimum inventory level to minimize wastage.

 

Logistics Management: Liaise with transporters to manage inbound and outbound logistics to ensure seamless, cost-effective movement of consignment and timely delivery of ordered materials. Schedule Pre dispatch inspection as per purchase order and arrange transit insurance.

 

Costing: Prepare approximate expenditure statement, which includes preparation of price estimation sheet based on drawing and available data (material cost, manufacturing cost, overhead, profit, tax and transportation cost). Preparation of cost estimation based on budgetary offer, overhead and other parameters.

 

Vendor Development: Strengthening existing source list by evaluating performance of existing vendor to ensure supply of quality material / execution of all job works. Development of new vendor for cost optimization and quality improvement.

 

Process Improvements: Review existing processes & give inputs to the management for process improvement, establishing process parameters. Conduct trials, identify deviations & make relevant corrective action to stabilize products.

 

Customer Relationship Management: Build and maintain long term relation between internal customers (Production, Maintenance, Finance, Excise & Sales tax, Quality and Stores Dept.) and external customers (Supplier, Transporter, Insurance Agency, Third party inspector).Properly attend and solve complains receipt from internal customer about quality of material, delivery period, services, unavailability of documents etc. Also properly attend and solve complains receipt from external customer about delay in quality inspection, pending payment and C form, wrong rejection, incorrect material specification etc. Arrange round table discussion for reviewing past initiatives, pending complains and improving relations.

 

Others: Excellent knowledge about SAP (MM Module), MS Office, Tax and Duties (Excise Duty, Sales Tax, Value Added Tax, GST & Service Tax),Audits, Road Permit & C Form.

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Written by
2018-07-27

Neha ****** ******* ******

Objective:
To secure a position where my qualities of a fast learner and the ability to take on new challenges can be used
Education:

Post Graduation –
MBA (Hospital Management)
Pondicherry University

Graduation –
Bachelor of Physiotherapy (BPT),
Guru Gobind Singh Indraprastha University (GGSIPU)

High School –
MCLSBM
X- CBSE, XII – Medical, CBSE

Key Skills
• Experience of over 8+ years in Healthcare Organizations
• Proficient Marketing & Communication Skills
• Proficient Medical Content Writing Skills
• International Marketing Skills – Query Handling, International Patient Care Services
• Good Presentation Skills
• Proficiency in MS-Office (MS-Word / Excel / PowerPoint)

Work Experience

1. Organization – Crecer Healthcare LLP (Marketing division-Saroj Super Speciality Hospital)
(November 2014 – till date)
Role – Assistant Manager – International Marketing
Responsibilities Assigned
(a) Marketing and Branding
• Content Development & Marketing
o Creating departmental brochures, patient information literature and technology brochures
o Creating website content for various specialities offered by the hospital
o Digital/Online Promotion of various specialities including article and blog writing
o Promotion of Doctors through doctor profiles, case studies and patient testimonials
o Writing Event speeches and quotes
• Branding
o Stationary development including Collateral & publicity material like health cards, banners, posters, standee, leaflets, invite cards, conference kits) for National & International CMEs, Symposiums & Conferences
o International branding for the hospital
• Digital Marketing
o Project lead for Digital Marketing Strategy being deployed by the hospital through an outsourced agency.
o Handling promotional campaigns on Social Media platforms, SEO management and Adwords.
o Keeping a track of the agency’s ongoing activities and giving them the required feedback obtained by our team.
(b) International Patient Services
o Handling international queries and guiding foreign patients with the appropriate treatment
o Assisting foreign patients with VISA assistance, travel planning and their accommodation in India
o Arranging treatment and follow up of patients with their physicians
o Coordinating with various stakeholders involved in healthcare services for International patients
o Collecting testimonials and treatment feedback from foreign patients
(c) Liaising
o Liaison with healthcare facilitators and medical tourism companies across India for international business
o Liaison with local travel agents, hotels, visa office and other stakeholders involved in International Patient services
(d) Stationary Management
o Hospital forms and stationary management
o Vendor management and approval taking from Medical Director and Administration Head

2. Organization – IndiCure Health Tours Private Limited
(March 2010 – November 2014)
Role – Senior Executive – International Patient Services
Responsibilities Assigned
• Assist foreign patients looking for medical treatment in India
• Liaising with the hospitals, doctors and various stake holders associated with health care services
• Follow up for medical reports and coordinate with hospitals for preparing medical cost estimates
• Answer email, telephonic queries and follow up persistently
• Preparing records of foreign patients having availed treatment in India
• Developing content for the promotion of company’s websites
• Writing articles, blogs and disseminating information pertaining to the health care services offered by the company
• Providing patient-feedbacks, testimonials and updating them on the website
• Promoting health care services offered by the company through various social media channels

3. Organization – Sehgal Physiotherapy Clinic
(June 2009 – February 2010)
Role – Consultant Physiotherapist
Responsibilities Assigned

• Treated various Orthopedic, Musculo-skeletal and Neurological cases including Spondylosis, Spondylolisthesis, Osteo-arthritis, Rheumatoid-arthritis, Stroke, among others
• HOME- VISITS – Treated various Neurological and Orthopedic cases by providing home-sittings for cases such as Diabetic Neuropathy, Stroke, and Cerebral Palsy

4. Organization – Deen Dayal Upadhyay Hospital
(October 2008-March 2009)
Role – Intern
Responsibilities Assigned

• Rotatory clinical postings in different departments: Orthopaedics, Intensive Care unit, General surgery, Burn/Plastic Surgery, General Medicine , Intensive cardiac care unit , Paediatrics, Gynaecology
• Treated patients in wards including post-operative neurological cases, orthopaedic cases in acute and sub-acute condition under supervision of senior medical staff
• Attended postings at the college out-patient clinic and hospitals

Personal
• Participated in various extra-curricular activities: Music competitions, Extempore & Debates
• Have won several prizes in music competitions
• Won 2nd prize in Poem recitation at Delhi University festival
• Multi-lingual-English, Hindi, Punjabi
• Hobbies include: Reading, Listening to music, Singing, dancing

I hereby certify that the information provided above is true to the best of my knowledge.
Dr. Neha Malhotra (PT)

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Written by
2018-05-10

Shanker ******** ********** ************

 

PROFICIENCY FORTE – For resume call 9910612773

Senior management customer operations professional with 19 years of experience in senior leadership roles across diverse organizations. Strong and proven track record of delivering profitable growth in highly competitive markets, developing and implementing strategies for new services. Exploring challenging managerial assignments with a professionally managed organization

Expertise In
________________________________________

Customer Service Delivery

P&L Accountability / Management

Resource Planning & Management

Team / People Leadership

Business Development

Channel Management

Services Sales Planning / Enablement

Business Innovation & Agility

Continuous Service Improvement

Innovation & Capability Growth

Process Simplification & Re-Designing

Cost Reduction Strategies

Performance Management

Productivity Optimization

Collaboration & coordination

Retail Operations

Leadership Strengths & Highlights
________________________________________

 Proven ability in defining pricing strategies & restructuring of business operations based on collated market intelligence on competition; Proficient in analysis of sales figures & forecasting sales volumes, analysis & interpretation of trends to facilitate planning.

 Excellent track record in envisioning & leading revenue and growth initiatives grounded solidly on business and economic value; successfully designed & implemented technical solutions, delivering a strong ROI.
.
 Strong background in implementing strategic initiatives, developing market penetration techniques, competition/ market analysis; evaluating market response/ requirements to be communicated to various teams for accomplishment of business goals.

 Adept at setting up an effective distribution & channel network for enhancing market penetration across the target market segment. Guide distribution teams in effectively closing identified business deals with potential revenue impact.

 Proficient in various operational aspects of telecom post paid operations as well as service quality parameters aimed at enhancing client satisfaction

 Proven expertise in seamlessly collaborating with ‘C’ level executives, senior management, stakeholders, business partners, customers and team members to deliver responsive and quality strategic, operational and business outcomes.
.
 Proactive decision maker, having practical management style and excellent skills in management of people capability including performance management, succession planning and recruitment; adept at leading large teams to maximize productivity.

Professional Experience
________________________________________

Binary Teletech, Bangalore Aug 2013 onwards
DGM – Customer Service Delivery

Key Profile:
• Conceptualizing customer services strategies based on extensive analysis of service operations and market dynamics, monitor Operations of after sales customer Support Structure and its performance.
• Monitoring overall functioning of processes ensuring compliance to the agreed SLA levels.
• Assessing customer feedback, evaluating the improvement areas & providing critical inputs; advocating process compliance via regular review meetings.
• Evaluation of customer engagement quality and service delivery parameters.
• Accountable for first time resolution at front end and backend through driving improvement towards quality parameters and C-Sat scores.
• Instrumental in evaluation and analysis of customer service ratings and draw an action plan to improve satisfaction scores.
• Focus on identification and incorporation of new products in the market to enhance the product portfolio as well as maximizing brand awareness through designing of monthly and seasonal leaflets.
• Manage a customer service team that encompasses logistics support, auditing duties, data analysis, and customer complaints.
• Collaborate with various support teams for frequent training and development of customer interfacing Staff.
• Setting a clear directive and deploying strategies focused towards high customer service standards.
• Accurate reporting of customer service standards through MIS reports and audits.
• Incorporation of best industry practices to ensure sustained growth and service Standards.
• Collaborate with internal & external teams in effectively implementing channel marketing programs, set up loyalty programs for trade & channel partners.
• Capability to work with large teams of senior level professionals and directly reporting team and ability to communicate at multiple levels with both customers and colleagues.
• Leading, mentoring & monitoring the performance of the team members to ensure efficiency in process operations and meeting of individual & group targets.
• Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance amongst team members.

Enterprise Impact:
• Consistently Increased customer Service and Quality Scores by 12%.
• Rated high for accomplishing 18% enhancement in Overall Department Operational Efficiency.

Idea Cellular, Bangalore May 2005 –Jul 2013
Manager – Service Delivery ~ Feb 2009 – Jul 2013

Key Profile:
• Collaborated with various support teams in roll out of “My Idea” and “Idea Point” service centers across the circle leading to opening 147 service centers across the circle in a span of 1 year.
• Defined service standards, policies in compliance to KPIs. Organized training sessions for field engineers and area managers for maintaining seamless operations.
• Resolved technical updates /issues in coordination with customer service & factory (Quality/R&D).
• Focused on planning, development, implementing & controlling in compliance to revenue and cost parameters.
• Assisted in the service operations team for providing proactive solutions & enhancing operational efficiencies.
• Conducted operational audits for ensuring compliance to Total Quality Management parameters for maintaining positive customer satisfaction index.
• Planning & execution of customer life cycle management therapies, to arrest churn levels of customers. Providing quality customer support by ensuring first contact resolution to them.
• Strategizing and managing churn control activities, both proactive and reactive. Day to Day monitoring of involuntary and voluntary churn control activities.
• Managed roll out of 3G products & services across various service centers; rolled out MNP across service centers in Karnataka.
• Interacted with Zonal Regional Managers for effectively resolving business as well as operational issues
• Built/maintained productive business relationship with existing clients and prospects for identification / development of internal and external commercial opportunities.
• Implemented initiatives like loyalty program, service camps and customer meets to enhance growth in walk in/conversion rates.
• Worked on standardization of systems through evaluation of department operational and corporate standards.
• Monitored/managed inventory management systems within the area with focus on slow moving and non moving products.

Enterprise Impact:
• Rated high for consistently maintaining partner profitability targets at over 95%.
• Significantly enhanced CSAT scores by implementing First Time Resolution in operations.
• Accomplished good rating by third party survey for customer experience at Service Centers.

Manager – Channel / Corporate Receivables and Fraud Management ~ Jan 2006 – Jan 2009

Key Profile:
• Evaluated & optimized credit limits to prevent exposure and fraud for enhancing organizational bottom lines.
• Focused in enhancing client satisfaction by implementing effective SLA based query resolution and consistently rendering qualitative service delivery.
• Guided team members in identifying & evaluating new and cost effective modes of payment and billing.
• Set up & managed robust Fraud Management system to minimize revenue leakage.

Enterprise Impact:
• Successfully implemented priority-based customer service module for effectively resolving issues of premium corporate customers.
• Assessed credit limits to acquaint on client billing and payment patterns.

Assistant Manager – Credit Control ~ May 2005 – Dec 2005

Key Profile:
• Managed implementation of Grid Based credit limit assignment as well as setting up Contact Point Verification for the state of Karnataka.
• Ensured smooth functioning of fraud management systems and pre-check alarms as well as seamless agency operations.
• Focused on enhancing credit limits for customers in IR location based on eligibility criteria.
• Collaborated with sales department for identifying delinquent customer groups and negative areas. Enhanced operational efficiency by automating the FMS system.
• Optimized resource utilization through decentralization of team responsibilities across areas of operation.

Enterprise Impact:
• Acknowledged for optimizing revenues through effective monitoring of Red Alert Customer Groups and IR locations.
• Successfully reduced suspension percentage through Bills Review and reduced Red Alert Cases by 30%.
• Enhanced first bill payments by 23% and corporate receivables by 14% through optimized usage of Fraud Management Systems.

Convergys India Services Ltd., Bangalore Feb 2004 – May 2005
Team Manager

Key Profile:
• Optimized resource utilization and streamlined processes to enhance operational efficiency / departmental profitability.
• Guided team members in effectively resolving critical cases with potential business impact based on pre-defined quality parameters.
• Assessed skill gaps of team members and organized skill enhancement sessions for improving individual skill sets.
• Implemented various internal controls and improvement initiatives based on operational or business requirements.
• Maintained updated records related to day to day business transactions and action taken reports.

Enterprise Impact:
• Exceeded call quality score consistently averaging > 90%.
• Implemented caller authentication procedure to ensure complete customer confidentiality.
• Reduced the abandoned statistics by 6.8%.

Previous Assignments
________________________________________

Officer – Credit Control &Risk Management | Tata Teleservices Ltd, Bangalore Mar 2003 – Feb 2004

Associate Executive | Radio Shack Canada, Toronto (Canada) May 2001 – Dec 2002

Business Consultant | Premier Systems, Toronto (Canada) Mar 2000 – Oct 2000

Technical Support & Billing | JT Mobiles Ltd., Bangalore Aug 1996 – Mar 2000

Academics
________________________________________

Education

• BA (Economics & Statistics), PSG College of Arts, Coimbatore in 1994.

Professional Enhancement
• Diploma course in Oracle 8i and Visual Basic 6.0.
• Diploma Course in Web Designing (well versed with Adobe Illustrator, Adobe Photoshop, HTML, Digital
Imaging and Macromedia Flash).

Personal Details
________________________________________

• Date of Birth :15th December 1972
• Languages known : English, Hindi, Tamil, Marathi, Kannada
• Nationality : Indian
• Passport Details : L6144538 valid till 2023

~ References Available Upon Request ~

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Written by
2017-10-25

SEO Services

SEO Services: first page google ranking for your website

SEO is a key part of the digital marketing strategy. But today, SEO has evolved: many of the “classic” rules are still important, but they must be alongside other activities: design, public relations, social media, content and advertising strategies.

That is why, with each Studio Samo solution, you get a professional service from people who spend their time studying your products and services and are always looking for ways to improve your visibility. We propose you as a strategic partner for your business, your dedicated marketing referrals, working with you to achieve your goals.

There is never a “one size” approach in the SEO, each company is different, which means that each campaign is different. That is why our solutions are time-based. If you invest more, get more of our time. Simple not?

Take a look at our SEO services below. We’ve been doing SEO long enough to figure out what’s the right price for your campaign.

Description of activities

Analysis and choice of keywords

One of the most important steps in any SEO campaign is the choice of the keywords with which you want to place yourself. Suppose you are a plumber. If you were first placed on Google with the word “plumber”, you would get a lot of traffic, but it would not be a useful traffic. This is because many people type this word to get information about the activities of a plumber, or for example, to figure out how to do a plumbing.

We only consider the search volume generated by each keyword, the competitiveness and usefulness of the most relevant keywords, we estimate traffic and potential access for those keywords. After making sure your chosen keywords are the best, we’ll work out a targeting strategy to bring only the people you really care about to your site.

After you’ve done all of these controls with appropriate tools, we’ll release you a document containing the best keywords, the ones you need to place yourself with to get access to your site that is really interested in your products or services, with a high chance of becoming a customer.

Optimize existing content and create new content

A site rich in quality and useful content for your target is exactly what Google likes, and is rewarded in the search results. Often sites neglect the editorial part, copying texts already published on other sites, and without offering real value to users.

We’re optimizing content already on your site (institutional pages, news, product listings, services, blog posts) and we’ll create new ones. If we feel it necessary, we will also create a blog linked to the site and write optimized content for placement.

The editorial activity will be performed monthly, throughout the duration of the contract.

Analyze your site

Webmasters or web agencies are usually expected to cover all the technical part of SEO. In fact this is not the case: Most developers know the basics of SEO but, being a constantly changing industry, they are not always up to date on the latest news.

We are trying to cope with this need by providing the full SEO technical guidelines to give to those who have made your site in order to get the best possible performance. (You do not have a developer yet? No problem. We’ll give you our best experts to make sure your site is in perfect SEO form).

With appropriate tools, but above all with manual checking by our SEO experts, we analyze your site’s content, both from the point of view of the code and content, and from the link popularity (the most important authoritative signal of a site to search engines), drawing up a list of possible errors and possible improvements. So we release you a support document for your webmaster or web agency so that it can easily make your site perfectly optimized.

Creating and managing link popularity

Although search engines consider many things to determine their search results, the number of “quality” links that are pointing to your site is still one of the most important factors. Link building responsibly is an essential part of any successful SEO campaign.

The first thing to do is evaluate existing links to ensure that you’re not breaking the guidelines on Google’s best practices and you have not been penalized without knowing it. After that, we will work hard to get only quality links. No link farms, no black hat SEO technique, only links that make ranking and maintain good positioning in the long run. So you will not have to worry every time Google updates its ranking algorithms.

The link building service will be performed throughout the contract period, periodic reports of the new links will be provided.

Analyzing Your Competitors:

This step will be devoted to the analysis of competitors and the study of the reference market. At this stage we will analyze the key competitors of your industry by studying their strategies and online activities.

They will consider the SEO activities they implement, the keywords with which they are located, the number of outbound and inbound links, any advertising campaigns on Google Adwords. By watching their activities, we will be able to identify their strengths and weaknesses and the opportunities and threats of your industry.

Guarantees on placement

No company can guarantee 100% achievement of the first position in Google’s results. This is what Google declares itself in its own.

Do not trust SEOs who claim to have a certain position in the results, who have a “special relationship” with Google or who advertise “priority inclusion” on Google. Google does not accept priority inclusions. The only way to report a site directly to Google is through the Add URL page or by submitting a Sitemap; things you can do without having to pay anything

That said, once you select the “right” keywords, we can offer Google’s first-page Google-contracted placement for a good number of them.

What is the difference between LOCAL and NATIONAL positioning?

For NATIONAL positioning, we mean that your site will be placed in words such as “selling Persian carpets” (which do not include the name of a specific location for companies operating across the country).

For LOCAL placement, we understand that your site will be placed in words such as “selling Persian rugs in Milan” (which include your city or business area name for local businesses).

Drafting the editorial plan :

Today, more than ever, SEO is not just a technical activity. Search engine algorithms are increasingly sophisticated in determining the quality of texts on your site. A poor site with content or copied content, even though it has all the technical requirements, will never be able to win the first positions in the search engine rankings.

For this reason, it is necessary to draft the editorial plan for the site / blog, or to define the activities needed to create content that contains selected keywords for placement on Google. Content will be created in relation to target interests and business activities.

In this document, all the points needed to achieve their goals, target or niche on which they are to be addressed, will be dealt with, topics that will be dealt with according to the user’s reference needs, cutting and form content (post / articles), periodicity outputs, interaction with social media, and so on.

In the drafting of the editorial plan, it is necessary to provide some flexibility and constant updating, based on the results obtained and the company’s strategic changes.

SEO Report:

SEO does not mean anything without data. Constant monitoring lets you keep an eye on the situation and touch the results with it. Each month you will receive a detailed report on the activity and the results obtained. The report contains the number of articles created, the scanned links, and positioning variations for the selected keywords, as well as important traffic data for your site.

Defining the SEO Strategy and Web Marketing:
We will make for you a true web marketing plan that will contain the actions to be taken to improve your site’s visibility and brand on the web, not just from strictly SEO point of view, but also by side-by-side activities (site design, usability , public relations, social media, content strategies and online advertising).

Dedicated SEO :

For certain areas, projects or goals, it is necessary to work daily and constantly to achieve maximum results.

For this reason, only if you are purchasing our SEO ENTERPRISE service, we provide our SEO expert fully dedicated to your project, which works every day for you as if it were your employee, to ensure that you achieve your goals even in high competition.

Optimize your site code and structure

Having an HTML code and a site structure that help scan your search engine is the first step to getting placement results. Search engines use special software (called robots or spiders) to scan the network and index web pages. If the code and structure of your site are not SEO-friendly, this software may not be able to “read” your pages properly, and this will go to the detriment of your positioning.

Our experts will optimize the code of your site perfectly, correcting any mistakes and favoring the scanning, improving its performance in terms of traffic and access from search engines.

Local SEO (starting from Rs.2999/- month)

DESCRIPTION AND ADVANTAGES OF THE SERVICE

Many people (especially mobile devices) are looking for local businesses such as professional studios, restaurants, hotels or shops. Our LOCAL SEO service can help your business stand out from the competition and find yourself out of these people.
Thanks to the LOCAL SEO service, you will be well positioned with keywords that include the name of your city or country (such as “parma dentistry”, “verona cleaning company”, “car rental monza”, “architects brescia” etc.)
Here’s what you’ll get:

  • Maximum visibility in your business area
  • Guaranteed placement for [Keyword + Location Name]
  • Increase contacts of people in your area
  • Pay only for what you really need

IS THE RIGHT SOLUTION FOR ME?

This service is ideal for you if your business works only or mainly with local clients (local businesses, professional studios, restaurants, shops, hotels, etc.).
Request the LOCAL SEO service

The SEO BUSINESS service has a minimum cost of Rs. 1999/- monthly for at least one year of business. Depending on your specific requirements, the monthly cost can vary (or even significant).

Mail us for this service : support@mjobrr.com or Call us : +91-919910612773

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