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Business Analyst Jobs

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Explore current business analyst jobs. Use filters to narrow by work mode, employment type, experience and date posted.

PE
Private Employer
πŸ“ Gujarat, Indiaβ€’ Full-time
1mo ago

Role Overview: As the Key Account Management, you will be responsible for managing and growing Paytm’s relationships with State Road Transport Corporations (RTCs) and private bus operators in your assigned region. You will drive strategic partnerships, ensure competitive supply availability, and take end-to-end ownership of regional revenue, pricing health, and operational performance. Key Responsibilities: Partnership & Supply Management Build, maintain, and expand strong working relationships with RTCs and top private operators in the region. Onboard new operators and ensure digital adoption of Paytm Travel tools and dashboards. Negotiate commission structures, payout terms, and commercial agreements aligned with platform objectives. Revenue & Performance Management Own and drive revenue targets, load factors, and seat fill rates for your region. Collaborate with central pricing and analytics teams to implement dynamic pricing strategies. Track revenue leakage, cancellations, and penal charges; work with operators to resolve issues. Market & Competition Analysis Regularly benchmark fares, seat inventory, and operator quality against regional competitors. Provide actionable insights on price trends, route-level demand patterns, and consumer behavior. Recommend product/UX changes based on feedback from operators and market observations. Operational Excellence Monitor SLA adherence on seat confirmations, refunds, and cancellation handling. Collaborate with customer support and tech teams to address escalations and resolve partner issues. Run regular health checks and audits on partner performance and NPS metrics. What We're Looking For: - 4–10 years of experience in bus ticketing, logistics, e-commerce, or B2C travel partnerships - Prior experience working with state transport corporations or regional aggregators is a strong plus - Strong commercial acumen with negotiation experience - Data-savvy: Comfortable working with dashboards, Excel, and BI tools to deriv

PE
Private Employer
πŸ“ Uttar Pradesh, Indiaβ€’ Full-time
1mo ago

Client Onboarding Director, Inference and Agentic AI Location: Noida Company: Paytm About Paytm Paytm is a pioneer of digital payments in India, serving over 450 million consumers and 45 million merchants across payments, financial services, and commerce. Over the years, Paytm has built deep in-house capabilities across technology, data, and operations to operate at scale with high reliability. Paytm is building a full stack AI platform focussed on Inference and Agents, enabling large enterprises to deploy AI driven automation across sales, service, operations, and analytics. The Inference and Agentic AI team operates as a cross functional unit spanning engineering, product, data science, business management, and sales, and owns the full lifecycle of AI solutions from opportunity discovery to deployment and scale. Role Overview Paytm is looking to hire a Client Onboarding Director to own implementation delivery and client onboarding governance for Paytm’s AI Inference and Agentic AI products across enterprise clients. This is a managerial role that will lead Client Onboarding Managers and ensure that enterprise deployments move smoothly from sales closure to go live and early adoption. The role sits at the intersection of client teams, product, engineering, business, and sales, and is responsible for converting signed enterprise deals into successful, timely, and scalable deployments. The candidate will own delivery planning, integration governance, risk management, stakeholder communication, and post go live stabilization across enterprise AI agent deployments. The role requires strong program management, technical understanding, client handling, and ability to drive execution across multiple internal and external teams. Key Responsibilities Delivery Ownership and Implementation Governance Own end to end delivery governance for enterprise AI agent deployments from sales handoff to go live and stabilization. Lead the implementation planning process across scope

PE
Private Employer
πŸ“ Uttar Pradesh, Indiaβ€’ Full-time
1mo ago

Client Onboarding Manager – Inference & Agentic AI | Paytm (Noida) About the Role Paytm is a pioneer of digital payments in India, serving over 450 million consumers and 45 million merchants across payments, financial services, and commerce. Over the years, Paytm has built deep in-house capabilities across technology, data, and operations to operate at scale with high reliability. Paytm is building a full stack AI platform focussed on Inference and Agents, enabling large enterprises to deploy AI driven automation across sales, service, operations, and analytics. The Inference and Agentic AI team operates as a cross functional unit spanning engineering, product, data science, business management, and sales, and owns the full lifecycle of AI solutions from opportunity discovery to deployment and scale. Key Responsibilities Own client onboarding from sales handover to go-live. Understand client workflows, systems, and integration requirements. Coordinate with Product, Engineering, and Client teams for seamless deployment. Manage onboarding timelines, milestones, and stakeholder communication. Conduct client training sessions and drive product adoption. Track onboarding KPIs, client satisfaction, and implementation success. Gather client feedback and support continuous product improvements. Ideal Candidate 2–5 years of experience in Client Onboarding, Implementation, Customer Success, or Solutions Engineering. Experience in SaaS, Fintech, Enterprise Technology, or AI products preferred. Good understanding of APIs, integrations, CRM systems, and enterprise workflows. Strong project management, problem-solving, and stakeholder management skills. Excellent communication and client-facing abilities. Bachelor’s degree in Engineering, Business, or related field. Location: Noida Why Join? Be part of Paytm’s fast-growing AI business and work closely with enterprise clients to deliver cutting-edge AI-driven automation solutions at scale.

Role Overview The Area Collections Manager will be responsible for managing end-to-end collections across bucket segments, driving resolution strategies, ensuring portfolio health, and leading large on-ground and tele-calling teams. The role requires strong expertise in delinquency management, compliance, analytics, and team leadership. Key Responsibilities 1. Bucket & Portfolio Management ● Manage collections across delinquency buckets (0–30, 31–60, and higher DPD segments) ● Improve resolution rates in both early and late buckets ● Focus on non-starter and delinquent accounts to prevent roll-forward ● Drive collection efficiency and overall portfolio health ● Monitor daily performance and ensure adherence to CAPE norms 2. Tele-Collections Management ● Handle soft delinquency buckets (0–30 & 31–60 DPD) through tele-calling strategies ● Design and optimize calling patterns based on customer risk profiling ● Improve dialer efficiency, call connect rates, and campaign performance ● Maximize early-stage resolutions to prevent migration to hard buckets 3. Field Collections & Risk Control ● Ensure strong field discipline (app usage, visit tracking, audit trails) ● Drive legal escalation for critical/high-risk cases ● Conduct audits to identify and mitigate portfolio risks ● Maintain strong governance and control mechanisms 4. Team Leadership & Vendor Management ● Lead large teams including Collection Managers, Team Leaders, and Executives ● Manage third-party/vendor collection agencies ● Allocate portfolios and set bucket-wise targets ● Conduct daily huddles, reviews, and performance tracking ● Coach teams on negotiation, objection handling, and resolution strategies 5. Target Achievement & Performance Delivery ● Drive monthly collection targets and improve resolution ratios ● Enhance PTP (Promise to Pay) conversion and kept rates ● Focus on First-Time Delinquent (FTD) customers to reduce future NPAs ● Ensu

Role Overview The Area Collections Manager will be responsible for managing end-to-end collections across bucket segments, driving resolution strategies, ensuring portfolio health, and leading large on-ground and tele-calling teams. The role requires strong expertise in delinquency management, compliance, analytics, and team leadership. Key Responsibilities 1. Bucket & Portfolio Management ● Manage collections across delinquency buckets (0–30, 31–60, and higher DPD segments) ● Improve resolution rates in both early and late buckets ● Focus on non-starter and delinquent accounts to prevent roll-forward ● Drive collection efficiency and overall portfolio health ● Monitor daily performance and ensure adherence to CAPE norms 2. Tele-Collections Management ● Handle soft delinquency buckets (0–30 & 31–60 DPD) through tele-calling strategies ● Design and optimize calling patterns based on customer risk profiling ● Improve dialer efficiency, call connect rates, and campaign performance ● Maximize early-stage resolutions to prevent migration to hard buckets 3. Field Collections & Risk Control ● Ensure strong field discipline (app usage, visit tracking, audit trails) ● Drive legal escalation for critical/high-risk cases ● Conduct audits to identify and mitigate portfolio risks ● Maintain strong governance and control mechanisms 4. Team Leadership & Vendor Management ● Lead large teams including Collection Managers, Team Leaders, and Executives ● Manage third-party/vendor collection agencies ● Allocate portfolios and set bucket-wise targets ● Conduct daily huddles, reviews, and performance tracking ● Coach teams on negotiation, objection handling, and resolution strategies 5. Target Achievement & Performance Delivery ● Drive monthly collection targets and improve resolution ratios ● Enhance PTP (Promise to Pay) conversion and kept rates ● Focus on First-Time Delinquent (FTD) customers to reduce future NPAs ● Ensu

Title: Sr. Manager/DGM - User Investing Growth (Intraday IPO) About Us: Paytm is India's leading digital payments and financial services company. Our platform offers a wide range of payment solutions to consumers and merchants, including utility payments, money transfers, and Paytm Payment Instruments (PPI) such as Paytm Wallet, Paytm UPI, and Paytm Payments Bank Net-Banking. We also provide merchant services, advertising, and a Mini app store. With a focus on growth and engagement, we leverage data science to drive sustainable success. We offer credit services sourced from financial partners to further support merchants. About the Role: We are looking for a growth-oriented and data-driven professional to drive user acquisition, activation, and retention for Intraday Trading and IPO businesses at Paytm Money. The role requires strong analytical thinking, campaign management capabilities, and collaboration across product, marketing, and analytics teams to improve user engagement and business growth. Responsibilities: Drive user acquisition, activation, and retention for Intraday Trading and IPO products. Analyze user behavior, trading patterns, and conversion funnels to identify growth opportunities and optimize user journeys. Design and execute growth campaigns across multiple channels including app, email, SMS, and push notifications. Collaborate with product, marketing, analytics, and business teams to improve user engagement and conversion metrics. Monitor key business metrics such as MTU, trading volume, IPO applications, activation rates, and conversion funnels. Conduct A/B testing and experimentation to improve campaign performance and user outcomes. Partner with the data team to build dashboards, reports, and tracking mechanisms for business monitoring. Identify market trends, customer insights, and competitive intelligence to support business growth strategies. Prepare periodic business reviews and performance summaries for leadership stakeholders. Exp

Role Overview The Area Collections Manager will be responsible for managing end-to-end collections across bucket segments, driving resolution strategies, ensuring portfolio health, and leading large on-ground and tele-calling teams. The role requires strong expertise in delinquency management, compliance, analytics, and team leadership. Key Responsibilities 1. Bucket & Portfolio Management ● Manage collections across delinquency buckets (0–30, 31–60, and higher DPD segments) ● Improve resolution rates in both early and late buckets ● Focus on non-starter and delinquent accounts to prevent roll-forward ● Drive collection efficiency and overall portfolio health ● Monitor daily performance and ensure adherence to CAPE norms 2. Tele-Collections Management ● Handle soft delinquency buckets (0–30 & 31–60 DPD) through tele-calling strategies ● Design and optimize calling patterns based on customer risk profiling ● Improve dialer efficiency, call connect rates, and campaign performance ● Maximize early-stage resolutions to prevent migration to hard buckets 3. Field Collections & Risk Control ● Ensure strong field discipline (app usage, visit tracking, audit trails) ● Drive legal escalation for critical/high-risk cases ● Conduct audits to identify and mitigate portfolio risks ● Maintain strong governance and control mechanisms 4. Team Leadership & Vendor Management ● Lead large teams including Collection Managers, Team Leaders, and Executives ● Manage third-party/vendor collection agencies ● Allocate portfolios and set bucket-wise targets ● Conduct daily huddles, reviews, and performance tracking ● Coach teams on negotiation, objection handling, and resolution strategies 5. Target Achievement & Performance Delivery ● Drive monthly collection targets and improve resolution ratios ● Enhance PTP (Promise to Pay) conversion and kept rates ● Focus on First-Time Delinquent (FTD) customers to reduce future NPAs ● Ensu

PE
Private Employer
πŸ“ Uttar Pradesh, Indiaβ€’ Full-time
1mo ago

Job Title: ESOP Management Specialist – HR Operations Location: Noida Role Overview We are looking for a detail-oriented and process-driven ESOP Management Specialist to manage the end-to-end administration of the Employee Stock Ownership Plan (ESOP). The role will partner closely with HR, Finance, Legal, Payroll, and external stakeholders to ensure seamless execution of equity programs while maintaining compliance, accuracy, and a superior employee experience. Key Responsibilities β€’ Manage the complete ESOP lifecycle, including grant creation, vesting schedules, exercises, lapses, cancellations, and exits. β€’ Maintain accurate employee equity records and ensure timely updates in the ESOP management platform. β€’ Coordinate with Finance, Legal, Payroll, and external trustees/vendors for smooth execution of ESOP-related transactions. β€’ Prepare and validate grant letters, exercise documentation, employee communications, and regulatory reports. β€’ Support onboarding and offboarding processes related to equity grants and settlements. β€’ Ensure compliance with company policies, accounting standards, tax regulations, and applicable statutory requirements. β€’ Address employee queries regarding grants, vesting, exercises, taxation, and policy interpretation. β€’ Generate periodic MIS reports, dashboards, and analytics on ESOP utilization, vesting, exercises, and outstanding grants. β€’ Conduct regular audits and reconciliations to ensure data accuracy and process compliance. β€’ Identify opportunities to automate and improve ESOP administration processes. Required Qualifications β€’ Bachelor's degree in Human Resources, Finance, Commerce, Business Administration, or a related discipline. β€’ 3–7 years of experience in HR Operations, Equity Administration, ESOP Management, or Total Rewards. β€’ Experience handling employee equity programs in a listed or high-growth organization is preferred. β€’ Strong understanding of ESOP regulations, equity administration, taxation, and co

C
15 days ago

Job Title: Data Consultant – Change the Bank (CTB) About Us β€œCapco, a Wipro company, is a global technology and management consulting firm. Awarded with Consultancy of the year in the British Bank Award and has been ranked Top 100 Best Companies for Women in India 2022 by Avtar & Seramount . With our presence across 32 cities across globe, we support 100+ clients across banking, financial and Energy sectors. We are recognized for our deep transformation execution and delivery. WHY JOIN CAPCO? You will work on engaging projects with the largest international and local banks, insurance companies, payment service providers and other key players in the industry. The projects that will transform the financial services industry. MAKE AN IMPACT Innovative thinking, delivery excellence and thought leadership to help our clients transform their business. Together with our clients and industry partners, we deliver disruptive work that is changing energy and financial services. #BEYOURSELFATWORK Capco has a tolerant, open culture that values diversity, inclusivity, and creativity. CAREER ADVANCEMENT With no forced hierarchy at Capco, everyone has the opportunity to grow as we grow, taking their career into their own hands. DIVERSITY & INCLUSION We believe that diversity of people and perspective gives us a competitive advantage. Location - MUMBAI Years of Experience - 6 to 12 Years Role Summary Hybrid BA / Data Investigation / Delivery role on Morgan Stanley's Change the Bank team. Investigates large, complex datasets to find data quality issues and control gaps, translates findings into business cases and recommendations, and drives delivery of the resulting initiatives. What You'll Do - Investigate large, unstructured datasets for trends, anomalies, data quality issues - Document data flows, lineage, business rules, critical data elements - Root cause analysis on data/reconciliation/process issues - Define business cases, scope, delivery

pythonsqlExcel
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MI
Mitsogo Inc
πŸ“ Chennaiβ€’ Full-time
18 days ago

About Hexnode Hexnode is a global leader in Unified Endpoint Management (UEM), trusted by over 100 countries and managing millions of devices worldwide. With a rapid pace of innovation, we have established ourselves as a dominant force across Apple, Windows, Android, macOS, Linux, and tvOS. Fuelling the transformation to a seamless ecosystem of connected tools, Hexnode is revolutionizing the enterprise software and cybersecurity landscape. Job Overview: In this role, you will not just oversee ticket resolution; you will lead the evolution of our support culture by implementing the Technology Acceptance Model (TAM) to ensure long-term product adoption and client success. As a linchpin of our 24/7 global operations, you will manage critical handovers and ensure our response times remain industry leading. Responsibilities: Β· Manage and mentor a shift of Technical Support Engineers, fostering a high-performance environment focused on technical growth and empathy. Β· Oversee the Shift Handover process to the incoming Lead, ensuring zero data loss and continuity of service for all high-priority issues. Β· Guarantee that all incoming tickets are triaged and dispatched within defined response times to meet and exceed global SLAs. Β· Conduct deep-dive analysis of incident patterns to identify root causes and provide strategic suggestions for incident management improvements. Β· Partner with Engineering and Product teams to function as the "Voice of the Customer," ensuring technical feedback directly influences the product roadmap. Β· Stay at the forefront of UEM trends and provide advanced training sessions for both high-value clients and internal technical stakeholders. Requirements: Β· 10+ years of total technical support experience, with at least 4–5 years in a formal leadership or supervisory role, preferably within a SaaS environment. Β· Mandatory, deep-seated expertise in Unified Endpoint Management (UEM) and its ecosystem. Β· Advanced Technical Exposure: Direct experie

linuxairust
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DC
Diligent Corporation
πŸ“ New Yorkβ€’ Full-timeβ€’ From $131K/yr
18 days ago

Help shape the technology that enables a global organisation to do its best work. As Senior Manager, Platform Engineering, you’ll lead the team responsible for Diligent’s Atlassian and Microsoft platforms while setting the architectural direction for the wider internal IT estate. You’ll combine people leadership, enterprise platform strategy and hands-on technical judgement to create secure, reliable and scalable experiences for employees worldwide. From modernising service management and automating joiner, mover and leaver processes to enabling AI safely through Microsoft Copilot and Atlassian Rovo, your work will reduce friction, strengthen governance and deliver measurable business impact. Working across IT, Security, HR, Finance, Legal, Compliance and business teams, you’ll turn complex requirements into well-governed platforms that are easy to use, resilient and ready for the future. Here’s a breakdown of what you’ll do (not all of it, just the important stuff) Lead, coach and grow a global team of platform engineers and systems administrators, building a high-performing and inclusive culture. Own the strategy, architecture, governance and roadmap for Atlassian Cloud, including Jira, Jira Service Management, Confluence, Atlassian Guard and Rovo. Set the direction for Diligent’s Microsoft 365 E5 estate, including Teams, SharePoint, Exchange Online, Intune, Defender, Purview, Power Platform and Copilot. Design scalable integration and automation patterns across identity, HRIS, ITSM and business systems using APIs, event-driven automation, Okta Workflows, Power Platform and scripting. Partner with IT Support to improve self-service, automate repetitive work and reduce ticket volume, escalation effort and time to resolution. Establish strong standards for security, access governance, AI adoption, reliability, compliance and business continuity across the internal technology estate. These are the essentials you’ll need to get an interview Significant experience in i

pythonawsgit
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C
Capco
πŸ“ Indiaβ€’ Full-time
18 days ago

Job Title: Qliksense Developer About Us β€œCapco, a Wipro company, is a global technology and management consulting firm. Awarded with Consultancy of the year in the British Bank Award and has been ranked Top 100 Best Companies for Women in India 2022 by Avtar & Seramount . With our presence across 32 cities across globe, we support 100+ clients across banking, financial and Energy sectors. We are recognized for our deep transformation execution and delivery. WHY JOIN CAPCO? You will work on engaging projects with the largest international and local banks, insurance companies, payment service providers and other key players in the industry. The projects that will transform the financial services industry. MAKE AN IMPACT Innovative thinking, delivery excellence and thought leadership to help our clients transform their business. Together with our clients and industry partners, we deliver disruptive work that is changing energy and financial services. #BEYOURSELFATWORK Capco has a tolerant, open culture that values diversity, inclusivity, and creativity. CAREER ADVANCEMENT With no forced hierarchy at Capco, everyone has the opportunity to grow as we grow, taking their career into their own hands. DIVERSITY & INCLUSION We believe that diversity of people and perspective gives us a competitive advantage. MAKE AN IMPACT Requirements: Job Title: Job Title: Qliksense Developer Strong hands on experience with Qliksense Excellent knowledge of Qlik scripting and Load Script Strong understanding of Data Modelling Good Knowledge of SQL and relational databases Experience in dashboard /UI development and data visualization Understanding of ETL /data integration concepts strong troubleshooting and performance tuning skills

sqlgoexcel
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C
Capco
πŸ“ Indiaβ€’ Full-time
18 days ago

Job Title: Executive PMO- Banking About Us β€œCapco, a Wipro company, is a global technology and management consulting firm. Awarded with Consultancy of the year in the British Bank Award and has been ranked Top 100 Best Companies for Women in India 2022 by Avtar & Seramount . With our presence across 32 cities across globe, we support 100+ clients across banking, financial and Energy sectors. We are recognized for our deep transformation execution and delivery. WHY JOIN CAPCO? You will work on engaging projects with the largest international and local banks, insurance companies, payment service providers and other key players in the industry. The projects that will transform the financial services industry. MAKE AN IMPACT Innovative thinking, delivery excellence and thought leadership to help our clients transform their business. Together with our clients and industry partners, we deliver disruptive work that is changing energy and financial services. #BEYOURSELFATWORK Capco has a tolerant, open culture that values diversity, inclusivity, and creativity. CAREER ADVANCEMENT With no forced hierarchy at Capco, everyone has the opportunity to grow as we grow, taking their career into their own hands. DIVERSITY & INCLUSION We believe that diversity of people and perspective gives us a competitive advantage. MAKE AN IMPACT Job Description – Senior PMO / Executive PMO Location India (Hybrid) Role Summary We are looking for a high-calibre Senior PMO who can operate as a trusted advisor to programme leadership. This role requires an individual who excels at executive stakeholder engagement, builds world-class Excel-based reporting and dashboards, and confidently drives senior governance forums. The successful candidate will combine analytical rigour with executive presence to provide meaningful insights, influence decision-making, and continuously improve programme governance. Key Responsibilities Executive Stakehol

agilescrumai
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C
Capco
πŸ“ Indiaβ€’ Full-time
18 days ago

Job Title: Gen AI Engineer About Us β€œCapco, a Wipro company, is a global technology and management consulting firm. Awarded with Consultancy of the year in the British Bank Award and has been ranked Top 100 Best Companies for Women in India 2022 by Avtar & Seramount . With our presence across 32 cities across globe, we support 100+ clients across banking, financial and Energy sectors. We are recognized for our deep transformation execution and delivery. WHY JOIN CAPCO? You will work on engaging projects with the largest international and local banks, insurance companies, payment service providers and other key players in the industry. The projects that will transform the financial services industry. MAKE AN IMPACT Innovative thinking, delivery excellence and thought leadership to help our clients transform their business. Together with our clients and industry partners, we deliver disruptive work that is changing energy and financial services. #BEYOURSELFATWORK Capco has a tolerant, open culture that values diversity, inclusivity, and creativity. CAREER ADVANCEMENT With no forced hierarchy at Capco, everyone has the opportunity to grow as we grow, taking their career into their own hands. DIVERSITY & INCLUSION We believe that diversity of people and perspective gives us a competitive advantage. Job Description: Role: Data Engineer Location : Bangalore Key responsibilities 1. Design, develop, and deliver AI, Generative AI, and agentic AI use cases that improve operational efficiency, reduce cycle time, and enhance customer/colleague experience. 2. Partner with cross-functional teams (Operations, Product, Technology, Risk, Compliance, Data) to identify high-value opportunities, translate them into requirements, and deliver scalable AI solutions that reduce manual effort and operational risk. 3. Establish and implement data & AI governance to ensure data quality, integrity, security, m

pythonaigo
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C
Capco
πŸ“ Indiaβ€’ Full-time
18 days ago

Job Title: FinRep BA About Us β€œCapco, a Wipro company, is a global technology and management consulting firm. Awarded with Consultancy of the year in the British Bank Award and has been ranked Top 100 Best Companies for Women in India 2022 by Avtar & Seramount . With our presence across 32 cities across globe, we support 100+ clients across banking, financial and Energy sectors. We are recognized for our deep transformation execution and delivery. WHY JOIN CAPCO? You will work on engaging projects with the largest international and local banks, insurance companies, payment service providers and other key players in the industry. The projects that will transform the financial services industry. MAKE AN IMPACT Innovative thinking, delivery excellence and thought leadership to help our clients transform their business. Together with our clients and industry partners, we deliver disruptive work that is changing energy and financial services. #BEYOURSELFATWORK Capco has a tolerant, open culture that values diversity, inclusivity, and creativity. CAREER ADVANCEMENT With no forced hierarchy at Capco, everyone has the opportunity to grow as we grow, taking their career into their own hands. DIVERSITY & INCLUSION We believe that diversity of people and perspective gives us a competitive advantage. Job Description: Experience / Education Experience working in Financial Reporting (FINREP, IFRS, IFRS9) either in BAU or Change roles, where a reporting understanding in FINREP requirements and end to end process would be advantageous but is not essential. Good MS Power point and Excel skills. A high attention to detail is essential, the individual would be deep dive into FINREP EUCs to understand and assess where data is being source correctly and accurately, data transformation or manipulation is being done as per the regulatory requirements and data is being mapped correctly to the respective GRCA codes before Saracen upload. Strong analyti

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