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What's your take on TOASTMASTERS?

How to become program manager
CRED Vs Razorpay offer evaluation
I Received offers from Razorpay and CRED for a product role.
Razorpay: 50 LPA fixed + 45 Lakhs ESOPs.
CRED: 60 LPA fixed + 75 Lakhs ESOPs
What should I decide between CRED and Razorpay?
How are appraisals at Razorpay? What's the average hike percentage? Can we ask for more ESOPS during the appraisal before vesting the current ESOPs?
YOE: 6 Current Current CTC: 35 Fixed.
Razorpay software private limited Cred
How to get a PSM certification
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Shrinking product roles. Some companies are merging Architect and product owner roles together. The market wants program + product+portfolio including AI ML capabilities.
I feel it's mostly because they don't realise the value a pm brings and try to justify it by putting multiple things on the plate for a pm to work on. which I feel dilutes the focus and ownership... what do you think