How is the credit card center of Shenzhen CITIC Bank working?

The credit card center of Shenzhen CITIC Bank is not working well. According to the relevant information, the vast majority of people in the bank's credit card center are dispatched, and the treatment is relatively poor. Compared with the official staff of the bank, it is one in the sky and one in the underground. Among the employees recruited by CITIC, those who are introduced through relationships are generally formally compiled, and most of the campus recruitment is also compiled as formal employees. In short, before entering, ask who the contract is signed with.

how about the credit card department of China merchants bank?

The credit card department of China Merchants Bank has a good job position, and its promotion mechanism is usually perfect. The details are as follows:

1. Teller in the 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 to be the accounting supervisor of the branch, and then competing to be the vice president of the branch. It usually takes 5 to 8 years to get here. 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 to the head office.

(2) transfer to an account manager and take a marketing line. Generally, it is necessary to have a strong marketing awareness when making cabinets, and it is generally necessary to participate in written tests and interviews when changing jobs.

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 → private bank consultant. With the continuous improvement of the level, the salary income is also rising, 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 branches.

(2) competing for the president of the branch. The president of a sub-branch is usually changed once every three years, and there are always presidents who are licensed every year because of poor performance, so if you like to be a leader, you can usually participate in the annual competition for the president of the sub-branch after three years of work experience. Being a branch manager is very stressful, with more than 5 indicators every year. If you don't do well, you will be given a red card and you will be dismissed directly.

(3) develop into relevant departments of provincial branches. For example, the personal account manager goes to the private finance department, the corporate account manager goes to the corporate business department, and the zero loan account manager goes to the credit department, and then becomes a leader in these departments.

Extended information:

Notes related to the work of the Credit Card Department of China Merchants Bank:

1. Banking skills training:

Introduce the business scope, main products, market positioning, target customers and competitive environment of the bank, so as to enhance the market awareness of new employees; At the same time, the teller post 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 account manager post mainly studies the specific business types, customer marketing skills, business system operation processes and other contents of the bank; In the process of business training, skill competitions and examinations are generally organized, and finally every new employee is evaluated. Therefore, students should take it seriously and show it positively, so that they can quickly adapt to the working environment and win the recognition of leaders after taking up their posts.

2. Professional image training of banks:

Banks are typical service industries, so they pay more attention to professional image. During the training, banks will hire professional etiquette teachers to explain etiquette knowledge to students, including polite language, standing posture, sitting posture, walking posture training, appearance and appearance, etc., to help them better change their professional image and become qualified bankers.

how about working in the bank of communications credit card center?

No, the credit card center of the bank can be a transition for our laborers. It can't be a long-term job. Every day, we have to be busy from morning till night. If we don't work, we will have no money, which is particularly tiring! Let's do something else.

The basic salary seems very attractive. For example, the basic salary of a senior account manager is 7K, but it is actually a basic salary with tasks. You have to complete the tasks before you can get this basic salary. Moreover, these tasks are not fixed, and they will be adjusted every year, and the tasks will become bigger and bigger. Therefore, to put it bluntly, it is the state of 7k basic salary before tax.

Bank Profile:

Bank of Communications is one of the major financial service providers in China, and its business scope covers commercial banks, securities, trusts, financial leasing, fund management, insurance and offshore financial services.

Bank of Communications has 235 domestic branches, including 3 provincial branches, 7 directly affiliated branches and 199 provincial branches, with 3,27 outlets in 239 cities at or above the prefecture level and 158 counties or county-level cities.

it owns seven non-banking companies, including its wholly-owned subsidiaries Bank of Communications Leasing, Bank of Communications Insurance and Bank of Communications Investment, and its holding subsidiaries Bank of Communications Fund, Bank of Communications Guoxin, Bank of Communications Life Insurance and Bank of Communications International. In addition, Bank of Communications is the largest shareholder of Changshu Rural Commercial Bank and the largest shareholder of the bank. It has strategically invested in Hainan Bank and controlled four rural banks.

how about the work of handling credit cards in the bank? I am a girl.

it's hard to handle credit cards in banks.

1. There are several large posts in the credit card center of the bank:

Management posts; Expanding jobs are the most jobs in bank credit card centers, and so are channel expanding jobs; 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, the development of 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 the credit card of their bank. Each bank credit card center handles credit card business. The 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 functions of a credit card need to be managed by a credit card center. For example, card approval, credit rating, consumption account recording, risk control, credit card preferential activities, card integral management, etc. These are core functions, and are generally formal employees of the banking system. Like telephone customer service, it is generally outsourced.

Third, the meaning of credit card

A credit card, also called a debit card, is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. It is in the form of a card with the 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 special 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 limit.

the credit card center is relatively independent in management, similar to a branch, but under the management of the head office. However, the difference between a bank's credit card center and a bank lies in the management problem. Credit cards are generally run by a third-party organization, and only a few banks have people to dock business. Banks are internal, but the people recruited now are basically contract workers sent by the third-party labor department.

How about working in the Credit Card Center of the Bank of Communications?

It's not too good, it's tiring, and the credit card center of the bank may be redundant for our workers. Can't be used as a long-term job. We must be busy from morning till night every day. If we don't work, we have no money. Too tired! Let's enter a separate industry. The basic salary looks attractive. For example, the basic salary of a senior account manager is 7K, but it is actually the basic salary with tasks. You must complete the task to get the basic salary. Moreover, these tasks are not fixed and will be adjusted every year, and the tasks will become bigger and bigger. Therefore, it is the state of 7K pre-tax basic salary.

1. The management of the Ministry of Commerce is chaotic. The decision-making of the leading group basically depends on patting the forehead and has no professional market management experience. In addition to looking at their own data, any decision-making also has external data and other sub-center data, which is seriously lacking by the management team at present. There is basically no promotion mechanism. Promotion depends not on personal ability, but on nepotism. Therefore, it is not suitable for the vertical development of one's career. The team atmosphere is extremely bad. The core leaders decide the team culture. There is basically no team culture here, and long-term work can easily affect personal values.

2. There is little work to learn, especially managers, let alone managers. More than half of the work is just manual labor. It's just a propaganda porter of the Bank of Communications. The bank credit card center is a secondary bank among banks. It is as high as the upgraded branch and is directly managed by the head office. There are basically two kinds of employees in the bank credit card center: one is the official employee of the bank and the other is the expatriate employee. Expatriates are mainly responsible for outsourcing companies, and their main job is customer service, but regular workers are different. He is responsible for all the management of bank card functions, such as credit rating, risk control, credit card approval, credit card discount, etc. These core functions are within the jurisdiction of the official industry. The other is dispatching workers, who are recruited by outsourcing companies. Under normal circumstances, telephone customer service is to send staff.

3. Every day, some employees are recruited through various softwares. They are basically expatriate employees of the company. They are not the responsibility of the head office, but managed by the outsourcing company. They mainly sign contracts with third parties. Although the salary mentioned above is relatively high, including the salary written in the contract, a lot of money is handed over to intermediary companies, that is, third-party companies, which are under great performance pressure and have a high turnover rate. Therefore, in the face of recruitment, we must be clear about the content of the contract and see if it is a labor dispatch contract. General recruitment will have special instructions. But if you are a regular worker directly, your salary is relatively stable and it is a good job.

4. It's hard. If you are a recent college graduate, you can't find a satisfactory job for the time being, and you feel that you are a passionate and energetic young man, I suggest you try. Don't pay too much attention. After all, you should do it with a learning attitude, otherwise it will be difficult for you to persist. The specific treatment in different regions is different.

How is the work in the credit card center of the Bank of Communications in the Lama Temple?

Working in the credit card center of the Bank of Communications in the Lama Temple has many benefits and good treatment. At the time of entry, we will tailor clothes for each employee and provide one-month professional pre-job training. Pay perfect social insurance and housing accumulation fund after joining the company, and enjoy comprehensive physical examination every year. Distribute holiday gifts to every employee on major holidays. It's a good job.

1. Entry requirements

1.23-33 years old, full-time junior college degree or above, not limited to majors; Good health, good image and good team spirit; 2. Strong customer communication ability, business processing ability and project management ability; 3. Able to work under great pressure; 4. There are no bad business practices. Full of enthusiasm and enthusiasm for work; 5. Industry background in application field is preferred; 6. Responsive and psychologically tolerant. 7. Hard-working, conscientious, and able to strictly abide by various rules and regulations. 8. Good conduct, integrity, and no bad personal credit record; 9. Enthusiastic in sales, willing to accept challenges, seeking stable development and pursuing personal success.

Second, the daily work content

The bank credit card center mainly has the following positions: 1. Management positions: personnel, center management leaders; 2. Expansion posts are the most posts in bank credit card centers, and channel expansion posts also belong to this category; 3. Personnel and finance positions, responsible persons and finance, but many credit card centers in banks are not self-service finance, so they may not be established; 4. Technical posts, including developing new wealth management products, developing mobile products, network maintenance and technical services. In fact, the main job of the bank credit card center is to do business. Simply put, it is to let customers handle the credit card of their bank.

to sum up, it is very good to be in the credit card center. Decent work, belonging to the white-collar class and respected. Income is stable. If you don't consider making a lot of money, it will be a very stable and comfortable job. All kinds of insurance are complete, so you can spend the rest of your life carefree. There are also many holidays, and weekends and holidays are normal.

Let's stop here for the introduction of how the bank credit card center works.