Is it good to be a credit card collector? Is the job easy to do?

Credit card collectors have performance appraisals. I will give you a list and all the collections you make within a week will be included in the appraisal. If you have made up your mind to do this job, don’t be afraid of hard work. Work overtime and make more phone calls. , its commission is quite good. Credit card collection is not a glamorous industry, and this job is not easy to do. Generally, people with poor psychological quality cannot do this job. The only requirement for doing credit card collection is to be ruthless, but the academic requirements are not that high. Generally speaking, if you find a formal debt collection company and the first week of joining the company is paid closed-door training, such a company will have a better future.

Job Responsibilities: Accept entrustment from banks and other financial institutions, and handle pre-litigation mediation, negotiation and other matters for personal consumption loans through telephone calls, letters, etc. according to the standardized procedures required by customers to ensure the good health of users credibility. Job requirements: 1. Over 20 years old, majoring in law, economics, and finance is preferred; 2. Applicants with experience in collection, telemarketing, customer service, credit card related work, etc. are preferred; 3. Familiar with local dialects, fluent in Mandarin; strong Text entry ability; 4. Have strong communication and coordination, comprehensive analysis and language expression skills, and be good at communicating and dialogue with different groups of people; 5. Have good character, good psychological quality, positive work attitude and team spirit_stress-bearing ability Strong; 6. No bad professional record, loyal to duty, strong sense of responsibility, serious and responsible work.

Collectors, to put it bluntly, are the positions where bank staff collect money from borrowers and require them to repay the money as soon as possible. However, debt collectors often get rejected, and most of them hang up the phone, which is also a form of collection. In the contest between collectors and debtors, if you ask: Is it easy to be a credit card collector? In fact, everyone has a different answer. As for how high the salary is? It will be clear after reading it.

Although the work of a credit card collector is hard, you will often suffer grievances. Strictly speaking, the collection work is indeed quite difficult. Most collections are more difficult, especially outsourced collections. Members must have a strong heart and psychological quality to face the cold words and harsh words of the person being collected. However, the salary of credit card collectors is indeed relatively high. The average monthly salary is 8,200 yuan, and most people can get a salary of 6,000-8,000 yuan. The task is simple, just get the money back. The process is very challenging and requires you to exert yourself in all aspects. It not only requires professional answers, but also a grasp of human psychology. Some people have money but should not be able to pay it back. At this time, you must also find a way. You don’t have to be a tough guy to do this job well, but you need to be a person with a strong heart, especially in some door-to-door collection cases, or Some cases of fraud. It can train your strong heart.

Personal suggestion: There are advantages and disadvantages to being a credit card collector, which mainly depends on your choice. For those who are looking for jobs, the threshold for the collection industry is low. Basically, people with normal IQs have received compulsory education and can speak. can do the job. Most companies now set academic requirements, but those with outstanding abilities in collection positions can be hired with exceptions.

Is the job of a credit card collector good?

Very good. This job is okay and relatively formal. Just make phone calls every day to collect debts. However, there are times when you get upset because people who owe money are averse to debt collection calls. ____ is responsible for bank credit card asset risk management, through phone calls, letters, and judicial procedures. We urge overdue customers to repay their loans, help them restore their credit, and preserve bank assets to the maximum extent possible.

1. Credit card collection is divided into two types: internal collection by the bank and outsourcing collection. Internal collection usually refers to customers who are overdue within three months. They are usually reminded by the bank’s customer service (M0 period) or contacted by the electronic collection department. (During M1 and 2) or the offices of various business outlets will come to you (During M3) to collect overdue amounts!

1. Outsourcing collection mainly means that the credit card center entrusts some customers who are difficult to handle, have problems, have lost contact or have small amounts to a company specializing in the collection industry after internal collection fails. law firm) for collection.

2. The M1 period is the continuation of the M0 period, that is, between the second bill date of unpaid debt and the last payment date of the second bill, the credit record will be uploaded to the People's Bank of China Credit Report system, most likely affecting issues such as home loans or credit loans.

A late payment fee will also be charged. If it is before the second payment date, only one late payment fee will be charged. Otherwise, it will be charged twice, and the interest will be compounded on the current arrears. During this period, banks will generally issue reminder collections for customers with large amounts, that is, the collection staff of the collection department of the credit card center will call to remind them of repayment. Some banks do not collect debts during this period in order to earn more late fees and interest.

3. The M2 period is a continuation of M1, that is, between the third bill date of non-repayment and the last payment date of the third bill, the credit record has a greater impact. In the banking industry There will be stains on your credit record, which will have a great impact on future loans and finding a job in a larger company.

4. A late payment fee will be charged. If it is before the third payment date, a second late payment fee will be charged. Otherwise, for the third time, the interest will be compounded on the current arrears. During this period, banks generally use legal reminders for repayment. Relevant collectors will call to inform them of the impact on credit records and the consequences of non-repayment. During this period, banks will contact relatives and friends of the debtor to help remind the debtor. Repayment. Some banks are tough on debt collection and even have collectors disguise themselves as relevant lawyers to put pressure on debtors, but some banks are light on debt collection and only carry out reminder collection during this period.

What is the job of a credit card collector like?

This collection work is really bad. Frankly, this job is not a normal job. For a long time, it can be said that for the sake of profit, we have walked on the edge of the law. If you're not careful, it's a crime.

You'd better not do such a job. This kind of job is not a good job. Overdue credit card collectors at outsourced companies can be said to be similar to temporary workers, collecting debts owed. Suffice to say, the jobs you typically receive are very difficult debt collections. You may meet all kinds of people.

Generally speaking, if the bank customer service politely urges for a long time and the debt has not been paid off, it is possible to enter an outsourcing company. Arguably, much of the credit card debt these people owe cannot be repaid. Otherwise, no one would want to keep owing them money if they could. So if the collector treats these people with credit card debt politely, he may still not pay them back. In this case, the collector will not be able to be effective and will not be able to receive salary income.

If a collector wants someone with credit card debt to pay off the money as quickly as possible, he may have to resort to some methods, which may be a bit of a violation of the law. It's really uneconomical if a debt collector has to take such a big risk just to collect some salary commission. Therefore, it is best not to do such work, otherwise the risk is very high.

: Bank positions:

1. Bank teller

There are two types of bank tellers, one is the front desk teller and the other is the back office teller teller. The front desk cashier mainly receives customers and handles corresponding business, and the back office cashier checks some bank bills in the back office; the back office cashier should be more careful. They often have to review bills and bills. They cannot be careless. If there is a small discrepancy, it can cause huge losses to the bank. You must remember to lock your computer screen and drawer safe when you leave your seat. You cannot let others touch your business seal and name seal.

2. Customer Marketing

The main job content of this position is to attract customers. He is good at exploring potential customers and has strong communication and marketing skills. He can not only meet customer needs and provide practical value, but also enable the bank to obtain operating profits and maintain normal operations.

3. Product support

Product support positions mainly analyze some customer needs, develop products that meet market needs based on the needs, and seize customer resources for the bank. Product support positions are often very demanding. Have good analytical skills and understanding of financial products.

4. Risk control

Risk control positions are mainly to prevent and control customer credit risks, operational risks, etc. At the same time, it is also necessary to monitor relevant risk indicators and improve the bank's own ability to resist risks. At present, major domestic banks have relatively large demand for risk control positions. Risk control positions generally require individuals to have strong risk foreseeing capabilities, determine when risks occur or are about to occur, and take timely response measures. At the same time, we must do a good job in risk control and have strong project operation capabilities.

5. There are many IT jobs.

In addition to maintaining the stability of the banking system, we also need to develop and test new application software, such as banking mobile applications or clients.

Information technology positions require higher levels of computer expertise and require strong development and innovation capabilities.

This is the end of the introduction about whether it is easy to be a credit card collector and what skills there are to be a credit card collector. I wonder if you have found the information you need?