Most people open credit cards and find customers who develop credit cards.

Have strong coordination, communication and management skills; be familiar with bank retail financial products, familiar with retail sales team assessment management, have strong data analysis skills; have strong language expression skills, computer application proficiency and foreign language reading ability.

Operation is the one who does operations management. It belongs to the middle office in the bank. The business office manager in charge of the counter is the most typical operation position, reporting directly to the president. There are also risk control positions, such as loan Pre-inspection and post-loan inspection, approval, etc. Chinese companies do not have a special department called an operation department, only a sales department, which is a different concept. The operation department is literally translated from the foreign-funded operation dept, but some foreign-funded companies do not have an operation dept. This department is the line of operation. For foreign investors, the highest level of an operation in a bank is generally the vice president (for foreign investors, one is the deputy president), except for the regional operation head. For Chinese investors, it should be the person in charge of risk management. The controlling vice president (at the branch level, usually one of the first and third vice presidents. If it is the first and second deputy, there will be no one.

Many small and medium-sized banks do not want to be purely online banks when they are direct-selling banks. Businesses basically either use direct banking as a supplementary channel similar to online/mobile banking, or they want to use direct banking to ingeniously establish differentiated Internet competitive advantages. But at present, direct banking of small and medium-sized banks does None of them are outstanding. The main reason is that they have not invested much in direct banking, and there is no separate organizational department dedicated to direct banking.

In this era when the platform model is popular, small and medium-sized banks have not invested much in it. Being a direct-selling bank alone cannot form its own advantages. Unless it is combined with other Internet marketing models (such as adding local social elements), it may be able to form localized advantages in the local area.

The bank must establish its own advantages. The concept of customer experience as the center can win more favor from the market and users when facing giants such as BAT to develop their own Internet financial services. Otherwise, no matter what direct selling bank or Internet bank they do, they will not help banks improve themselves. Even relying on regulatory policies to protect our competitiveness is not a long-term solution