Вакансії - Activitis

Вакансії

We create an environment where hard skills are important, but not the only criteria for success.
We are confident that true potential is unlocked where talents unite around a shared idea and passion for achieving common goals.

Our strength lies in our ability to act
as a unified team focused on a common goal,
rather than as separate elements of a large system.

Ризик менеджер
Гаряча 🔥

Activitis — where your expertise makes business sense.

Ми будуємо середовище, де цінується досвід, де результат має значення, а кожна роль — це не просто функція, а вплив. Activitis is not about where you work. It’s about why you and your work matter.

We are currently looking for a risk manager.

We need a colleague who has:

  • Overall control of the company’s compliance with the Risk Management Strategy, risk appetite declaration, and credit policy.
  • Timely identification, measurement, monitoring, control, mitigation, and reporting to company management on material risks.
  • Monitoring and prevention of violations of risk appetite indicators and risk limits, control of indicators approaching risk appetite and risk limits.
  • Credit risk analysis (calculation of reserves under IFRS 9, forecasting the impact of credit risks on financial results and capital, impact on credit risk ratios).
  • Participation in the development of the company’s internal regulations.

Чим потрібно буде займатись:

  • Higher education in economics/finance;
  • Experience in the banking/financial sector for 3+ years;
  • Basic knowledge of accounting and tax accounting;
  • Experience working in international and/or large national companies in the above-mentioned areas.
  • Skills in working with SQL and P&L and large data sets.
  • Analysis of enterprise financial statements and data analysis.
  • Conclusions based on analysis results, vertical and horizontal analysis, ratio analysis.
  • Creative approach to tasks and unconventional thinking. With progressive views.
  • Successful project implementation experience.
  • Ability to build team relationships on a trusting, friendly basis.

On our part, we offer:

  • A progressive income system with official competitive salary and bonuses.
  • A comfortable and innovative office with all necessary resources, high security, and a shelter.
  • A friendly and supportive atmosphere where we build teams, not groups, and respect everyone’s individuality.
  • Care for our employees’ mental well-being and corporate catering.
  • Incentive programs at Sport Life Lux&Spa.
  • The opportunity for self-realization in a team of resourceful innovators who create because they can.
  • Participation in setting precedents in financial markets and shaping trends.
  • Corporate and personal training programs for professional development and competency enhancement.
  • Work in an ambitious, motivated team that sets goals and achieves them.
  • Official employment and legal support.
  • A transparent career development system within the company.
  • Work schedule from 10:00 AM to 7:00 PM.

Become part of our team and join in creating innovations that make life easier for Ukrainian businesses every day.

Кредитний аналітик
Гаряча 🔥

Activitis is a team of like-minded individuals, all committed to contributing to the development of the country’s financial sector.

Ми створюємо середовище, де хард скіли є важливими, але не єдиними критеріями успіху. У нас є впевненість, що справжній потенціал розкривається там, де таланти об’єднуються спільною ідеєю та пристрастю до досягнення спільних цілей.

Our strength lies in our ability to act as a unified team focused on a common goal, rather than as separate elements of a large system.

We need a colleague who has:

  • вищу економічну/фінансову освіту;
  • Experience in the banking sector for 3+ years in financial analysis of legal entities and sole proprietors;
  • базові знання бухгалтерського та податкового обліку;
  • вміння працювати зі статистичною інформацією;
  • strong communication skills, which will be important when working with the team;

Чим потрібно буде займатись:

  • комунікація з юридичними особами, щодо кредитних продуктів компанії;
  • проводити фінансовий аналіз клієнта, підготовка висновків, побудова cash flow;
  • презентація кредитної заявки на кредитному комітеті;
  • підготовка та укладення кредитних договорів та договорів застави з клієнтами МСБ;
  • support of active operations;

On our part, we offer:

  • A progressive income system with official competitive salary and bonuses.
  • A comfortable and innovative office with all necessary resources, high security, and a shelter.
  • A friendly and supportive atmosphere where we build teams, not groups, and respect everyone’s individuality.
  • Care for our employees’ mental well-being and corporate catering.
  • Incentive programs at Sport Life Lux&Spa.
  • The opportunity for self-realization in a team of resourceful innovators who create because they can.
  • Participation in setting precedents in financial markets and shaping trends.
  • Corporate and personal training programs for professional development and competency enhancement.
  • Work in an ambitious, motivated team that sets goals and achieves them.
  • Official employment and legal support.
  • A transparent career development system within the company.
  • Work schedule from 10:00 AM to 7:00 PM.

We offer not just a job, but the opportunity to do what you love and grow with us!

Selection Process:

  • Conversation — introduction with our recruiter;
  • interview with company managers;
  • job offer from the company.

Why Activitis?

By joining us, you will become part of ambitious projects that are changing Ukraine’s financial landscape. We don’t just work — we do what we love and create financial solutions based on the principle: “Our clients’ success is our priority!”

📩 Contact us in any convenient way or send your resume to hr@activitis.com or 067 274 40 65

Activitis — A business that understands business!

Become part of our team and join in creating innovations that change the lives of Ukrainian businesses! 🚀

Legal Counsel for the Legal Department

Activitis — where your expertise makes business sense.

Ми будуємо середовище, де цінується досвід, де результат має значення, а кожна роль — це не просто функція, а вплив. Activitis is not about where you work. It’s about why you and your work matter.

We are currently looking for a legal counsel for the legal department.

Important to us:

Experience in a similar position for 2+ years;
Experience drafting and analyzing factoring, lending, service, supply, and other types of contracts;
Ability to create legal models and argue your position to solve company tasks;
Understanding of non-banking financial services market regulation;

Чим потрібно буде займатись:

Analysis of relationships and regulatory legal acts regulated by the NBU and NSSMC
Litigation work (drafting and filing lawsuits, correspondence with regulatory authorities);
Drafting and analyzing factoring, lending, service, supply, and other types of contracts;
Corporate relations (buying and selling shares in LLCs, AMCs, CIFs, conducting and drafting general meeting minutes, etc.)

Пропонуємо:

work in an ambitious and motivated team that knows how to set goals and achieve them;
official employment;
official salary and bonuses;
a transparent career development system within the company;
legal support;
corporate catering;
professional development and qualification improvement;
a modern office with a shelter for your safety;
work schedule from 10:00 AM to 7:00 PM.

Interview stages:

1) phone interview;
2) conversation — introduction with our recruiter;
3) interview with company managers;
4) job offer from the company.

Accountant (IFRS, financial instruments)

Activitis is a fintech company working with modern financial instruments and reporting under IFRS.
We are expanding our team and looking for an accountant who wants to work with financial processes, not just routine accounting.

Your main responsibilities:

  • Accounting for transactions with financial instruments (loans, factoring, securities);
  • Accrual of income, reserves, and discounting in accordance with IFRS;
  • Accounting for financial assets at amortized cost and fair value;
  • Preparation of financial and regulatory reporting.

An advantage would be:

  • Participation in preparing reports for the NBU and NSSMC;
  • Experience working with financial reporting in XBRL format;
  • Knowledge of NBU requirements for financial companies.

Our expectations:

  • Higher education in economics;
  • Experience as an accountant for 2–3 years in a financial company, bank, or company reporting under IFRS;
  • Practical knowledge of IFRS and Ukrainian tax legislation;
  • Attention to detail, responsibility, and the ability to work with large data sets.

You don’t need to know everything perfectly — a solid foundation, logic, and a desire to develop are what matter.

We offer:

  • Official employment;
  • Salary: negotiable based on interview results;
  • A transparent career development system;
  • Professional training and qualification improvement at the company’s expense;
  • Legal support;
  • Corporate catering;
  • A modern office with a shelter;

Work schedule: 10:00 AM–7:00 PM.

Менеджер з продажу (B2B)

WE ARE HIRING!

Activitis відкриває двері для найкращих B2B-фахівців! Ми спеціалізуємося на інноваційних фінансових рішеннях для малого та середнього бізнесу та шукаємо талановитих професіоналів, готових приєднатися до нашої команди.

We need a colleague who:

  • Experienced professionals with a background in sales, negotiations, and client relations. Specialists who possess B2B deal management skills, can build long-term partnerships, and identify the advantages and strengths of any product.
  • Energetic individuals who are results-driven and respond quickly to challenges.
  • Communicative professionals with excellent interpersonal skills. Those who can negotiate, are ready to collaborate effectively with leading Ukrainian and international companies, and understand the value of building strong partnerships.
  • Concise specialists who can explain complex matters and processes in simple terms.

An advantage would be

  • Experience in B2B sales for 3+ years.
  • Understanding the needs of small and medium-sized businesses across industries.
  • English proficiency.

Чим потрібно буде займатись:

  • Identify and attract new partners, manage the existing portfolio.
  • Ensure partner sales performance levels.
  • Present financial solutions tailored to the needs of partners and clients.
  • Manage the full sales cycle: from first contact to closing the deal.
  • Work with feedback from partners and clients.
  • Conduct negotiations with potential and existing partners at various levels.
  • Maintain and develop long-term relationships with partners and clients.
  • Monitor the market and competitive environment to identify new opportunities.
  • Collaborate with internal teams: marketing, R&D, credit, and service center.

On our part, we offer:

  • A progressive income system with official competitive salary and bonuses.
  • A comfortable and innovative office with all necessary resources, high security, and a shelter.
  • A friendly and supportive atmosphere where we build teams, not groups, and respect everyone’s individuality.
  • Care for our employees’ mental well-being and corporate catering.
  • Incentive programs at Sport Life Lux&Spa.
  • The opportunity for self-realization in a team of resourceful innovators who create because they can.
  • Participation in setting precedents in financial markets and shaping trends.
  • Corporate and personal training programs for professional development and competency enhancement.
  • Work in an ambitious, motivated team that sets goals and achieves them.
  • Official employment and legal support.
  • A transparent career development system within the company.
  • Work schedule from 10:00 AM to 7:00 PM.

We offer not just a job, but the opportunity to do what you love and grow with us!

Selection Process:

  • Conversation — introduction with our recruiter;
  • interview with company managers;
  • job offer from the company.

Why Activitis?

By joining us, you will become part of ambitious projects that are changing Ukraine’s financial landscape. We don’t just work — we do what we love and create financial solutions based on the principle: “Our clients’ success is our priority!”

📩 Contact us in any convenient way or send your resume to hr@activitis.com or 067 274 40 65

Activitis — A business that understands business!

Become part of our team and join in creating innovations that change the lives of Ukrainian businesses! 🚀

Адміністратор офісу

Activitis — a business that understands business

Activitis is a reliable financial company with years of expertise in Ukraine’s non-banking financial services market. We finance corporate, medium, and small businesses, supporting entrepreneurship and building the country’s financial stability.

Our office is a space where professionalism, mutual respect, and results come together. Here, every role matters and every employee makes an impact.

We are currently looking for an Office Administrator who will become the key point of comfort, organization, and smooth office operations.

Your Role

You are the person who keeps the office running smoothly. You maintain the rhythm of processes, assist the team with organizational matters, create order and comfort, and support managers with daily administrative tasks.


This is a match if you have

Higher education;
Experience working as an office administrator, executive assistant, or secretary;
Excellent verbal and written communication skills;
Strong organizational skills and the ability to multitask;
Knowledge of business etiquette and office management fundamentals;
Attention to detail, responsibility, initiative, and a service-oriented mindset.

What you will do

Organize and coordinate meetings: planning, greeting guests, and accompanying visitors;
Receive and route phone calls;
Handle incoming and outgoing correspondence;
Ensure a comfortable office environment: order, comfort, office supplies, and oversight of corporate catering;
Coordinate with courier services, drivers, and the business center;
Book meeting rooms;
Plan and coordinate managers’ schedules;
Send reminders about meetings, events, and important deadlines;
Organize business trips: booking tickets, flights, hotels, and apartments.

What we offer

🍩 Transparent and competitive compensation with official employment and bonuses;

🍩 A comfortable, modern office with a shelter, autonomy, and all necessary resources;

🍩 A friendly and supportive atmosphere where we build teams, not just groups;

🍩 Care for employees’ mental well-being and corporate catering;

🍩 Incentive programs at Sport Life Lux & Spa;

🍩 Corporate and personal training programs;

🍩 A transparent career development system within the company;

🍩 Work in an ambitious team that sets goals and achieves results;

🍩 Participation in projects that shape trends in Ukraine’s financial market.

Work schedule: 10:00 AM–7:00 PM

Selection Process

1. Online or in-person meeting with a recruiter;
2. Interview with managers;
3. Job offer from the company.

Why Activitis

Because we create financial solutions focused on results and build our business on the principle:
“Our clients’ success is our priority.”

📩 Send your resume or contact us in any convenient way:
+38 (067) 274-40-65

Activitis — a business that understands business.

Ризик менеджер
Гаряча 🔥

Activitis — where your expertise makes business sense.

Ми будуємо середовище, де цінується досвід, де результат має значення, а кожна роль — це не просто функція, а вплив. Activitis is not about where you work. It’s about why you and your work matter.

We are currently looking for a risk manager.

We need a colleague who has:

  • Overall control of the company’s compliance with the Risk Management Strategy, risk appetite declaration, and credit policy.
  • Timely identification, measurement, monitoring, control, mitigation, and reporting to company management on material risks.
  • Monitoring and prevention of violations of risk appetite indicators and risk limits, control of indicators approaching risk appetite and risk limits.
  • Credit risk analysis (calculation of reserves under IFRS 9, forecasting the impact of credit risks on financial results and capital, impact on credit risk ratios).
  • Participation in the development of the company’s internal regulations.

Чим потрібно буде займатись:

  • Higher education in economics/finance;
  • Experience in the banking/financial sector for 3+ years;
  • Basic knowledge of accounting and tax accounting;
  • Experience working in international and/or large national companies in the above-mentioned areas.
  • Skills in working with SQL and P&L and large data sets.
  • Analysis of enterprise financial statements and data analysis.
  • Conclusions based on analysis results, vertical and horizontal analysis, ratio analysis.
  • Creative approach to tasks and unconventional thinking. With progressive views.
  • Successful project implementation experience.
  • Ability to build team relationships on a trusting, friendly basis.

On our part, we offer:

  • A progressive income system with official competitive salary and bonuses.
  • A comfortable and innovative office with all necessary resources, high security, and a shelter.
  • A friendly and supportive atmosphere where we build teams, not groups, and respect everyone’s individuality.
  • Care for our employees’ mental well-being and corporate catering.
  • Incentive programs at Sport Life Lux&Spa.
  • The opportunity for self-realization in a team of resourceful innovators who create because they can.
  • Participation in setting precedents in financial markets and shaping trends.
  • Corporate and personal training programs for professional development and competency enhancement.
  • Work in an ambitious, motivated team that sets goals and achieves them.
  • Official employment and legal support.
  • A transparent career development system within the company.
  • Work schedule from 10:00 AM to 7:00 PM.

Become part of our team and join in creating innovations that make life easier for Ukrainian businesses every day.

Кредитний аналітик
Гаряча 🔥

Activitis is a team of like-minded individuals, all committed to contributing to the development of the country’s financial sector.

Ми створюємо середовище, де хард скіли є важливими, але не єдиними критеріями успіху. У нас є впевненість, що справжній потенціал розкривається там, де таланти об’єднуються спільною ідеєю та пристрастю до досягнення спільних цілей.

Our strength lies in our ability to act as a unified team focused on a common goal, rather than as separate elements of a large system.

We need a colleague who has:

  • вищу економічну/фінансову освіту;
  • Experience in the banking sector for 3+ years in financial analysis of legal entities and sole proprietors;
  • базові знання бухгалтерського та податкового обліку;
  • вміння працювати зі статистичною інформацією;
  • strong communication skills, which will be important when working with the team;

Чим потрібно буде займатись:

  • комунікація з юридичними особами, щодо кредитних продуктів компанії;
  • проводити фінансовий аналіз клієнта, підготовка висновків, побудова cash flow;
  • презентація кредитної заявки на кредитному комітеті;
  • підготовка та укладення кредитних договорів та договорів застави з клієнтами МСБ;
  • support of active operations;

On our part, we offer:

  • A progressive income system with official competitive salary and bonuses.
  • A comfortable and innovative office with all necessary resources, high security, and a shelter.
  • A friendly and supportive atmosphere where we build teams, not groups, and respect everyone’s individuality.
  • Care for our employees’ mental well-being and corporate catering.
  • Incentive programs at Sport Life Lux&Spa.
  • The opportunity for self-realization in a team of resourceful innovators who create because they can.
  • Participation in setting precedents in financial markets and shaping trends.
  • Corporate and personal training programs for professional development and competency enhancement.
  • Work in an ambitious, motivated team that sets goals and achieves them.
  • Official employment and legal support.
  • A transparent career development system within the company.
  • Work schedule from 10:00 AM to 7:00 PM.

We offer not just a job, but the opportunity to do what you love and grow with us!

Selection Process:

  • Conversation — introduction with our recruiter;
  • interview with company managers;
  • job offer from the company.

Why Activitis?

By joining us, you will become part of ambitious projects that are changing Ukraine’s financial landscape. We don’t just work — we do what we love and create financial solutions based on the principle: “Our clients’ success is our priority!”

📩 Contact us in any convenient way or send your resume to hr@activitis.com or 067 274 40 65

Activitis — A business that understands business!

Become part of our team and join in creating innovations that change the lives of Ukrainian businesses! 🚀

Legal Counsel for the Legal Department

Activitis — where your expertise makes business sense.

Ми будуємо середовище, де цінується досвід, де результат має значення, а кожна роль — це не просто функція, а вплив. Activitis is not about where you work. It’s about why you and your work matter.

We are currently looking for a legal counsel for the legal department.

Important to us:

Experience in a similar position for 2+ years;
Experience drafting and analyzing factoring, lending, service, supply, and other types of contracts;
Ability to create legal models and argue your position to solve company tasks;
Understanding of non-banking financial services market regulation;

Чим потрібно буде займатись:

Analysis of relationships and regulatory legal acts regulated by the NBU and NSSMC
Litigation work (drafting and filing lawsuits, correspondence with regulatory authorities);
Drafting and analyzing factoring, lending, service, supply, and other types of contracts;
Corporate relations (buying and selling shares in LLCs, AMCs, CIFs, conducting and drafting general meeting minutes, etc.)

Пропонуємо:

work in an ambitious and motivated team that knows how to set goals and achieve them;
official employment;
official salary and bonuses;
a transparent career development system within the company;
legal support;
corporate catering;
professional development and qualification improvement;
a modern office with a shelter for your safety;
work schedule from 10:00 AM to 7:00 PM.

Interview stages:

1) phone interview;
2) conversation — introduction with our recruiter;
3) interview with company managers;
4) job offer from the company.

Accountant (IFRS, financial instruments)

Activitis is a fintech company working with modern financial instruments and reporting under IFRS.
We are expanding our team and looking for an accountant who wants to work with financial processes, not just routine accounting.

Your main responsibilities:

  • Accounting for transactions with financial instruments (loans, factoring, securities);
  • Accrual of income, reserves, and discounting in accordance with IFRS;
  • Accounting for financial assets at amortized cost and fair value;
  • Preparation of financial and regulatory reporting.

An advantage would be:

  • Participation in preparing reports for the NBU and NSSMC;
  • Experience working with financial reporting in XBRL format;
  • Knowledge of NBU requirements for financial companies.

Our expectations:

  • Higher education in economics;
  • Experience as an accountant for 2–3 years in a financial company, bank, or company reporting under IFRS;
  • Practical knowledge of IFRS and Ukrainian tax legislation;
  • Attention to detail, responsibility, and the ability to work with large data sets.

You don’t need to know everything perfectly — a solid foundation, logic, and a desire to develop are what matter.

We offer:

  • Official employment;
  • Salary: negotiable based on interview results;
  • A transparent career development system;
  • Professional training and qualification improvement at the company’s expense;
  • Legal support;
  • Corporate catering;
  • A modern office with a shelter;

Work schedule: 10:00 AM–7:00 PM.

Менеджер з продажу (B2B)

WE ARE HIRING!

Activitis відкриває двері для найкращих B2B-фахівців! Ми спеціалізуємося на інноваційних фінансових рішеннях для малого та середнього бізнесу та шукаємо талановитих професіоналів, готових приєднатися до нашої команди.

We need a colleague who:

  • Experienced professionals with a background in sales, negotiations, and client relations. Specialists who possess B2B deal management skills, can build long-term partnerships, and identify the advantages and strengths of any product.
  • Energetic individuals who are results-driven and respond quickly to challenges.
  • Communicative professionals with excellent interpersonal skills. Those who can negotiate, are ready to collaborate effectively with leading Ukrainian and international companies, and understand the value of building strong partnerships.
  • Concise specialists who can explain complex matters and processes in simple terms.

An advantage would be

  • Experience in B2B sales for 3+ years.
  • Understanding the needs of small and medium-sized businesses across industries.
  • English proficiency.

Чим потрібно буде займатись:

  • Identify and attract new partners, manage the existing portfolio.
  • Ensure partner sales performance levels.
  • Present financial solutions tailored to the needs of partners and clients.
  • Manage the full sales cycle: from first contact to closing the deal.
  • Work with feedback from partners and clients.
  • Conduct negotiations with potential and existing partners at various levels.
  • Maintain and develop long-term relationships with partners and clients.
  • Monitor the market and competitive environment to identify new opportunities.
  • Collaborate with internal teams: marketing, R&D, credit, and service center.

On our part, we offer:

  • A progressive income system with official competitive salary and bonuses.
  • A comfortable and innovative office with all necessary resources, high security, and a shelter.
  • A friendly and supportive atmosphere where we build teams, not groups, and respect everyone’s individuality.
  • Care for our employees’ mental well-being and corporate catering.
  • Incentive programs at Sport Life Lux&Spa.
  • The opportunity for self-realization in a team of resourceful innovators who create because they can.
  • Participation in setting precedents in financial markets and shaping trends.
  • Corporate and personal training programs for professional development and competency enhancement.
  • Work in an ambitious, motivated team that sets goals and achieves them.
  • Official employment and legal support.
  • A transparent career development system within the company.
  • Work schedule from 10:00 AM to 7:00 PM.

We offer not just a job, but the opportunity to do what you love and grow with us!

Selection Process:

  • Conversation — introduction with our recruiter;
  • interview with company managers;
  • job offer from the company.

Why Activitis?

By joining us, you will become part of ambitious projects that are changing Ukraine’s financial landscape. We don’t just work — we do what we love and create financial solutions based on the principle: “Our clients’ success is our priority!”

📩 Contact us in any convenient way or send your resume to hr@activitis.com or 067 274 40 65

Activitis — A business that understands business!

Become part of our team and join in creating innovations that change the lives of Ukrainian businesses! 🚀

Адміністратор офісу

Activitis — a business that understands business

Activitis is a reliable financial company with years of expertise in Ukraine’s non-banking financial services market. We finance corporate, medium, and small businesses, supporting entrepreneurship and building the country’s financial stability.

Our office is a space where professionalism, mutual respect, and results come together. Here, every role matters and every employee makes an impact.

We are currently looking for an Office Administrator who will become the key point of comfort, organization, and smooth office operations.

Your Role

You are the person who keeps the office running smoothly. You maintain the rhythm of processes, assist the team with organizational matters, create order and comfort, and support managers with daily administrative tasks.


This is a match if you have

Higher education;
Experience working as an office administrator, executive assistant, or secretary;
Excellent verbal and written communication skills;
Strong organizational skills and the ability to multitask;
Knowledge of business etiquette and office management fundamentals;
Attention to detail, responsibility, initiative, and a service-oriented mindset.

What you will do

Organize and coordinate meetings: planning, greeting guests, and accompanying visitors;
Receive and route phone calls;
Handle incoming and outgoing correspondence;
Ensure a comfortable office environment: order, comfort, office supplies, and oversight of corporate catering;
Coordinate with courier services, drivers, and the business center;
Book meeting rooms;
Plan and coordinate managers’ schedules;
Send reminders about meetings, events, and important deadlines;
Organize business trips: booking tickets, flights, hotels, and apartments.

What we offer

🍩 Transparent and competitive compensation with official employment and bonuses;

🍩 A comfortable, modern office with a shelter, autonomy, and all necessary resources;

🍩 A friendly and supportive atmosphere where we build teams, not just groups;

🍩 Care for employees’ mental well-being and corporate catering;

🍩 Incentive programs at Sport Life Lux & Spa;

🍩 Corporate and personal training programs;

🍩 A transparent career development system within the company;

🍩 Work in an ambitious team that sets goals and achieves results;

🍩 Participation in projects that shape trends in Ukraine’s financial market.

Work schedule: 10:00 AM–7:00 PM

Selection Process

1. Online or in-person meeting with a recruiter;
2. Interview with managers;
3. Job offer from the company.

Why Activitis

Because we create financial solutions focused on results and build our business on the principle:
“Our clients’ success is our priority.”

📩 Send your resume or contact us in any convenient way:
+38 (067) 274-40-65

Activitis — a business that understands business.