The future of working in the credit card department of China Merchants Bank is still very good. As long as you work hard and actively pursue progress, it is very promising.
What is the salary of the credit card manager?
It is generally acceptable for account managers of credit card centers, that is, credit card marketers, to be paid according to their performance.
1. The main work of the account manager: firstly, it is responsible for accepting the bank of communications credit card business of local customers; The second is to explore the credit card market, dig deep into customer resources, promote all kinds of products of Bank of Communications credit cards, complete the sales tasks assigned by the company, and provide effective services to customers.
2. Qualification of account manager: (1), college degree or above, aged between 20 and 35. (2), articulate, fluent in Mandarin, strong language skills. (3) Love sales work, have good communication skills, keen market insight and strong pioneering spirit. (4) Strong sense of teamwork and practical and diligent work style. (5) Have a fighting spirit and a desire to challenge++. (6) Have a good sense of service and a strong sense of responsibility. (7) Have sales experience in credit card, personal financial products, insurance, fast-moving consumer goods and other industries.
3. Salary and welfare of account manager: (1), salary: basic salary+performance bonus+car and meal subsidy+merchant * * * construction reward+professional quality reward; (2) Insurance benefits: including social insurance and provident fund; Pay endowment insurance, medical care, work injury, maternity insurance, unemployment insurance and housing accumulation fund for employees; Supplementary commercial insurance; Buy commercial insurance for employees, enjoy more medical security, and be reimbursed for outpatient treatment. (3) Health checkup benefits, providing medical checkup services worth about 500 yuan for employees every two years. (4) Training benefits: employees can enjoy free professional induction training, business training, advanced training, management training, E-learning training, etc. (5) grow up with the card center, study while working, and balance work and leisure; Trade union birthday condolences and holiday condolences; Summer cool welfare; One-child health care allowance; Clothing benefits and so on.
How about working in the credit card department of Huaxia Bank, Zhihu?
Working in the credit card department of Huaxia Bank depends on what the job position is.
The two most common jobs of all bank credit cards are: credit card salesman and telephone customer service representative.
One is dedicated to getting a card and running outside every day. Low basic salary, good performance and high income, a bit like a salesman of an insurance company.
The other is sitting in the computer room every day to answer the phone, provide services and handle complaints.
These two positions are very hard, the treatment is relatively average (some have good performance), and the mobility of personnel is quite large.
So be sure to know clearly before you join the job.
: netizens talk about the feelings of working in Huaxia Bank
1, career development is hopeless.
Manpower will stay in the background for a year or two, but there are still graduate students coming in on 20 16. If you want to go to the middle and backstage, it is necessary to have your own strength. In addition, the low cabinet in front should also go, so you can take a step forward. You have the chief accountant, the office manager and so on. It's your turn to go out one by one. It's going well. There is no ride here. It is very, very serious to talk about seniority. Want to go to the branch? Don't even think about it without a lot of connections and resources. Now all the retailing has been transformed. If you don't want to engage in marketing, don't enter this door.
2. Enterprise internal management confusion, mutual buck passing.
Business problems are asked to branches, and a pushes B, B pushes C. In the end, no one can solve them. Some of them have bad attitudes. In the face of angry customers, you can only appease yourself. Anything will do as long as nothing happens. If you complain, it's all your business.
3. It changes from time to time.
Just say credit card, and when you do etc, you say five free annual fees. Suddenly change the credit card charging rules, 20 thousand is free. Without notice, official website hung up the announcement, and even notified it. Thousands of customers are inexplicably charged a high annual fee of 680 to make trouble at the outlets. You still have to find a way to calm down. Complaining is your business. The business level of 95577 and credit card customer service makes people want to hit a wall, and customers can't catch it. Unfortunately, it is a network.
4. The hardware and software equipment are relatively low.
It is well known that the operating system is backward. Flash back, stuck, no input method, no printing order. Other equipment is not good, such as the printer scanner of the money counter sorter, which is repaired every day and broken every day, and all the repairs are reported to the information technology department one by one, which is not to be taunted. The waiting time is extremely long, and the teller is very helpless. Many mobile banking, direct banking, community applications, etc. It's been developed, and it doesn't work well. The customer is angry and complains about you.
5, quality fault, bureaucracy.
On 20 16, Beifen began to recruit students with high academic qualifications, the so-called Huangpu Phase I ... and most management positions have low academic qualifications and limited level. Some malicious managers have a sense of crisis and bully new employees with high academic qualifications, so a large number of them quit. There are fewer and fewer people who can really work. Employees avoid work. That's right. The more you do, the more mistakes you make. Some leaders are fighting among themselves, but they are just flattering and tired.
6. The pressure has dropped severely.
More than 60 branches in the north, 1000 employees, more than 2000 branches. Including confirmation letter++and even system upgrade, the installation of paperless equipment is completed by the teller. All the cash in version 99 should be picked out and handed over to the vault separately. For example, after a few months, the credit card account opening information was handed over to the branch, and the branch said that it could not be found. It drew a list of customers for the sub-branch, asking customers for ID cards one by one, and then copying them to the sub-branch. For another example, there are tens of thousands of pieces of information maintenance work every year, and I don't know how many versions of the signature card have been changed. Every time it is changed, the branch will contact the existing customers one by one and come back to re-stamp and build a database. Wait, they all go to the branch. The branch is so tired that it needs 10% energy to serve customers and 90% energy to serve departments.
How about handling a credit card at the bank? I am a girl.
It is difficult to handle credit card business in the bank.
First of all, the credit card center of the bank mainly has several big jobs:
Management positions; Expanding positions are the most positions in bank credit card centers, and so are channel expanding positions; Personnel and finance positions are responsible for personnel and finance, but many credit card centers in banks are not self-service finance, so they are not necessarily set up; There are many technical jobs, such as the development of new wealth management products, mobile products, network maintenance and technical services. In addition to the above positions, the bank credit card center has also set up many other positions.
Second, the job of the bank credit card center is to do business.
Simply put, it is to let customers handle their own bank credit cards. Credit card centers of banks handle credit card business. Credit card center is a huge department, which generally belongs to the secondary department of the bank, including risk control, customer service, gifts, joint activities and so on.
All the functions of the credit card need to be managed by the credit card center. For example, credit card approval, credit rating, consumer account records, risk control, credit card preferential activities, card points management and so on. These are core functions, and they are generally formal employees of the banking system. Like telephone customer service, it is generally outsourced.
Third, the significance of credit cards
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Credit card centers are relatively independent in management, similar to branches, but are managed by the head office. However, the difference between a bank's credit card center and a bank lies in management issues. Credit cards are generally handled by third-party institutions, and only a few banks have special personnel to dock business. Banks are internal, but the people recruited now are basically contract workers sent by the third-party labor department.
How about the credit card department of China Merchants Bank?
The jobs in the credit card department of China Merchants Bank are very good, and the promotion mechanism is usually perfect. Details are as follows:
1. Teller of Credit Card Department of China Merchants Bank:
(1) Intensive cultivation in the accounting line, making it a business benchmark, promoted to the head of the cabinet, and then competing for the accounting director of the branch, and then competing for the vice president of the branch. It usually takes five to eight years to get there. Further up, you can climb to the accounting department of the provincial branch to be a small leader, then compete for the general manager of the accounting department, and then March into the head office.
(2) Turn to account manager and take the marketing route. Generally speaking, cabinets should have a strong sense of marketing, and job-hopping should generally take part in written tests and interviews.
2. Account Manager of Credit Card Department of China Merchants Bank:
(1) It takes more than five years to be an account manager: account manager assistant → account manager → senior account manager → senior account manager → private bank consultant. With the continuous improvement of the level, the wage income is also increasing, and the managed customers are also constantly high-end. They mainly rely on professional knowledge to promote performance growth to increase their income, but they have been working in branch offices and are managed by branch managers.
(2) Competing for the president of the branch. Generally, the president of a branch changes every three years. Every year, there are always presidents who are licensed because of poor performance. Therefore, if you like being a leader, you can generally participate in the annual competition for the president of a branch after three years of work experience. Being a branch manager is very stressful, with more than 50 indicators every year. If you don't do well, you will be sent off with a red card and dismissed directly.
(3) Development to relevant departments of provincial branches. For example, individual account managers go to the private finance department, corporate account managers go to the corporate business department, and retail account managers go to the credit department, and then become the leaders of these departments.
Extended data:
Matters needing attention in the credit card department of China Merchants Bank:
1, bank skills training:
Introduce the business scope, main products, market positioning, target customers and competitive environment of the bank. , enhance the market awareness of new employees; At the same time, the teller position will mainly learn the basic knowledge of finance, accounting operation norms, counter cashier business and other theoretical knowledge, and master practical skills such as counting money, summoning and digital entry;
The position of account manager mainly studies the specific business varieties, customer marketing skills and business system operation process of the bank; In the process of business training, skill competitions and exams are generally organized, and finally every new employee is assessed. Therefore, students should take it seriously and actively show it, so that they can quickly adapt to the working environment after taking up their posts and win the approval of the leaders.
2, bank professional image training:
Banks are typical service industries, so they pay more attention to their professional image. During the training period, the bank will hire professional etiquette teachers to explain etiquette knowledge to students, including polite expressions, standing posture, sitting posture, walking posture training, gfd, etc., to help students better change their professional image and become qualified bankers.
What do credit card clerks in banks mainly do?
What do credit card clerks in banks mainly do?
The loan officer in the credit card department of the bank mainly does credit investigation.
Information auditing is a new profession with the development of Internet. With the increasing amount of information on the Internet, in order to ensure the legitimacy and standardization of information and express the wishes of companies and enterprises through the standardization and screening of information, the information auditing industry came into being, and the position of information auditor also came into being.
Information auditing plays a very important role for Internet companies with huge amounts of information. Information audit is the guarantee of the quality of the whole website and the lifeline of the website. For example, Baidu, Sina, Sohu, Taobao, Alibaba, Jiji.com and other websites that generate huge amounts of information every day, as well as various large forums and blogs, all need professional information auditors to handle them professionally.
professional ability
Information auditor is a new profession, and there is no relevant qualification certification at present. Except for websites with special language or high technology, most positions require less personnel, mainly young people with technical secondary school and university education, which is a good choice for young people who have just entered the Internet industry.
What does the marketing representative of the bank credit card department do?
Mainly for qualified people to apply for credit cards, the specific job is to take the credit card application form to the customer unit every day to directly find customers to apply for bank cards. Then the bank calculates the performance of the business representative according to his daily performance, the number of orders made and the credit card approval rate (that is, how many cards the customer successfully applied for), and gives him salary and sales commission. Business representatives who do well in the banking market have a high monthly salary and it doesn't matter what they do. As long as you learn marketing skills, you will have a high and sustained income, because you will accumulate many customers by doing so. I think the bank with this title at present should be Shanghai Pudong Development Bank, which is also a credit card promotion work. Guangfa Bank is called this account manager, and so are Shenfa and Minsheng Bank. Industrial Bank is called a direct seller, and Shanghai Pudong Development Bank is called a marketing representative. At present, these banks are recruiting people. I hope qsxpz's friends can find good jobs. Remember: selling things is always the most profitable business!
What does the Credit Card Specialist of Ping An Bank mainly do?
1. Promote the sales of the Bank's credit cards and related consumer financial products, and achieve the established credit card sales targets.
2. Actively contact customers in time and assist in the implementation of related work to maintain the relationship with local credit card customers.
3. Actively guard against credit card risks.
The main source of income for this job is the commission earned by promoting credit cards. The Commissioner's income depends on the number of cards handled. There will be a commission if the card is passed, ranging from 20-50 cards to 30- 100 gold cards, and a part will be deducted if it is not completed. The treatment is not a formal job, but a labor contract with a third party, with at most three risks.
Credit card department of CITIC Bank, please come in!
As long as you have proof of income, CITIC can easily apply for a card, but the credit line should not be very high. If it is the first time to apply for a credit card, the general credit limit is around 4000.
Of course, if your company has a good nature and a good reputation, you can also fill in the income, and there is no chance to get a gold or platinum card.
How is the bank credit card department audited?
If the applicant meets the requirements of the bank credit card center to apply for a credit card, it generally does not take a long time, and the approval can be completed within 15 working days. The relevant information is as follows:
1, it takes 8 working days for the credit card to enter the review;
2, as long as the application materials are complete, from the audit department to the second instance, it generally takes 2 working days to complete the audit;
3. After the approval, handle the card for the customer within 2 working days;
4. Send it to the customer by registered mail according to the billing address. Generally, the sending time of registered letters is within 15 days.
Other related:
1. Applicants can log in to official website where they apply for a credit card to check the progress of their credit card application;
2. If the applicant has not received the credit card for a long time, he can call the credit card customer service hotline and transfer it to the manual service for detailed verification.
How about being an entry clerk in the credit card department of the bank?
Is it official? How about basic salary+hardware+benefits? OK if it's good. If you are asking about the content of the work, the work is very complicated and you do the same thing every day. It's simply a++sticker, and anyone with patience can do it.
Urgent! Citibank credit card department
All Citibank credit cards are audited in Shanghai. What's your position? Is it sales? Sales is a basic salary plus performance, so performance is very important. Most sales cost more than auditing. . . There are always seven or eight thousand, and tens of thousands of good ones. But it is bitter. I'm out all day.
Is there a bank credit card department?
If you need to know about the credit card related business of China Merchants Bank, you can call the customer service hotline 4008205555 to transfer to manual service for details.
So much for the introduction of the credit card department.