After we get some insights, we should record them immediately and write an essay about them, so that we can record our ideological activities. So how should you write your experience? This must be very distressing for everyone. The following is my carefully compiled bank teller marketing experience for your reference. I hope it can help friends in need. Bank teller marketing experience Part 1
Generally speaking, when you market to customers, you must first market yourself. This aspect should be reflected in your appearance, politeness, and your self-confidence. Secondly, you must know how to use your professional knowledge for marketing. The last one is that you need to know how to observe what customers need you and how to deliver your first sentence. For example, when a customer needs help, you need to use your banking knowledge to help before you can continue with subsequent marketing. Another example is general If some customers are bored while waiting in line, you can walk over and have a chat. Remember not to guide customers during the marketing process. Remember to guide customers into your topic so that you have a high chance of success.
1. Determine the research objectives
Through the collection and analysis of customer data, identify key customers, implement personalized management of key customers, track their services, and make timely improvements Serve and keep them loyal.
2. Expand information sources
Multi-channel information sources should be established to facilitate communication between major customers and banks, such as sales centers, telephones, call centers, emails, web sites, Customer seminars, etc.
3. Information collection of major customers
Information is collected from the above sources, including: name, gender, age, occupation, address, phone number, email and other customers personal information. Including purchase history information such as the customer's counteroffering ability, focus, habits, etc.
4. Analysis of key customer information
The analysis of the amount allows the bank to understand how much each key customer spent on the dealer’s products or services during the cycle. This indicator is all indicators of pillars.
1. Have advanced business philosophy
2. Have good financial reputation
3. Customers who account for the majority of sales.
4. Customers who can provide higher gross profit.
These customers are the ones we should focus on, and they are also the customers we should concentrate our efforts on serving well. I have to remind you that big customers are not static. Being our big customer this year does not mean that they will be our big customer next year. Small customers can become our big customers through support.
In addition, large customers play a decisive role in the bank's sales and profits. According to the theory of American marketing scholars Reichhead and Souther, if a company reduces its customer churn rate by 5%, its profits can increase by 25% to 85%. Just as Dilbert's law (80/20 rule) says, 20% of large customers bring 80% of profits to the company. Therefore, from this point of view, large customers have become the lifeblood of banks, especially small and medium-sized banks, to survive and develop. “Those who win big customers win the world” has become the common wisdom of many banks. Bank Teller Marketing Experience Part 2
As an ordinary bank teller employee, I am honored to be named a "Marketing Star" for two marketing sessions, and I am extremely grateful. In the long-term counter service and marketing, I have the following experiences for your reference.
1. Smile
Smile is an expression of self-confidence, a silent language that conveys a friendly message. The counter is the window of the bank. When we greet customers, a smile can bring us closer and create conditions for my subsequent service and marketing.
2. Knowledge and skills
There is a saying that goes well: The difference between people is actually the difference in learning ability.
Due to differences in personal qualities, experience, and training levels, service levels vary. Therefore, through learning and training, we must master the characteristics of various products and analyze applicable groups, and make personalized recommendations to customers, such as recommending to mid- to high-end customers. Products such as local and foreign currency call deposits, profits, and credit cards are recommended to ordinary customers. Master the operating procedures of various businesses, improve your ability to analyze and deal with problems, improve service quality, and enhance customer satisfaction and loyalty, thereby retaining customers, winning their trust, and laying the foundation for further marketing.
3. Empathy and strengthen communication
We must establish the idea of ????"empathy", start from the customer's perspective, think about what the customer thinks, and pay attention to what the customer needs. , strengthen communication. We need to be the best listener and listen carefully to the needs of our customers. From the customer's perspective, we provide customers with financial advice that is in line with their interests in a timely manner. Only in this way can we achieve real communication with customers and provide customers with a full range of services. Studying abroad allows customers to obtain needs that exceed their expectations.
The above points need to be accumulated over time in daily work, and need to be trained and cultivated in daily work. Because today's banks have transformed into marketing-oriented, marketing is a process and a goal that we work for day after day. Only after our tellers have completed the above steps can we better serve the customers in the final step.
4. Be targeted and do differentiated marketing
The "20-80 rule" in marketing tells us: 80% of a company's profits are created by 20% of its customers, while 80% of the others Consumers only create 20% profit. How to find high-quality customers, retain old customers, and win new customers is a top priority. Banks have the unique advantage of mastering a large amount of customer information. We can segment the market according to customers' age, gender, occupation, income, education, etc., and provide differentiated convenience according to the different needs of different customers. services and support services to achieve undifferentiated quality service.
When dealing with high-end customers or old customers, if you can proactively greet them and call them Mr. or Miss X accurately, it will show your familiarity with the customers and make them feel valued. Then you can follow the trend. When promoting new products, I believe it will get twice the result with half the effort. For another example, for new customers who come into contact with the bank for the first time, they should proactively and enthusiastically introduce service types and methods, act as a good consultant for customers' financial management in a timely manner, and complete each business accurately and quickly to leave a good impression on customers. For large customers from different banks, you can introduce financial cards, credit cards, financial products, etc. to them, or ask them if they live near our bank, and try to do a good job in transferring deposits to other banks.
When someone opens an account, we should actively introduce the debit card and recommend our bank’s electronic products in a timely manner during the process. When recommending electronic products, we should pay attention to two points: First, for Customers who are new to electronic products should not just introduce how to use the product at the beginning, because they will often refuse because they do not understand and the processing time is limited. But make them interested in the products you recommend, such as online shopping, no need to go to the mobile phone hall to pay phone bills, Taobao, etc. After you finish the process for them, introduce to them how to use it, or call the lobby manager to explain it to him. Grab one of the electronic products and get one. But as the lifeline of banks, deposits can only be based on people. We can only satisfy every customer with our services, serve our customers consistently, retain customers with our services, and achieve the purpose of retaining deposits. Our counter staff should also learn to distinguish from the crowd those high-quality customers from different places and those who may be high-quality customers in the future. Of course, it is difficult to do this because there are no rules to follow. Only through years of work and careful discovery can you gain some experience.
The above are some of my experiences as a counter staff, through many years of counter work, I have carefully sought out about bank counter marketing. Bank Teller Marketing Experience Part 3
With anticipation, I was fortunate enough to participate in the 20xx marketing training class.
In my daily life, I always pay attention to market dynamics. On the premise of grasping the objective environment, I study customers. Through customer research, I understand the customer's business needs. I strive to satisfy every customer and maintain every customer through my own efforts. customers.
Second, in terms of skills, I personally can actively invest and train myself. During this year, I have always maintained a good working condition and met the strict requirements of a qualified ICBC employee. I will work hard on myself, base myself on my own job, and devote myself to studying and training business skills, so that I can shine a light and a passion for China Merchants Bank in an ordinary position.
Third, understanding of the market. In addition to mastering the product itself to sell any product, we also need to accurately position it and have a general understanding of the market to which the product corresponds.
Fourth, face-to-face communication with customers. What I feel most deeply in this process is that while fully understanding the product, we should also fully understand the public psychology, and create a relaxed and comfortable atmosphere when communicating with customers. Create a conversational atmosphere, listen extensively to their demands, fully understand what they want, how they can get it, and the benefits it can bring to them after getting it, answer customer questions promptly and patiently, and recommend suitable products to the right target customers. .
Fifth, be good at using various favorable times and gaps to proactively communicate with customers, communicate more with customers, seize any favorable opportunities, and create favorable marketing opportunities anytime and anywhere.
Sixth, maintain a positive work attitude. We have to deal with different customer groups every day, so some details will often affect the communication with customers, and even cause customers to reduce their established loyalty to our industry. We should use positive words to reject customers. Look at it with a mental attitude, remember not to affect your enthusiasm for sales, and analyze the reasons for customer rejection so that you can correct and improve in the future.
Seventh, provide good after-sales service. The functions of the products sold daily should be explained in detail to customers. If necessary, demonstrations should be done to improve customers' usage of our products and recommend them to customers in the future. Lay a good foundation for other related products.
I believe that opportunities always favor those who are prepared, and only through lifelong learning can we continue to innovate. Knowledge creates talents, and positions create dreams. There is a career that requires youth and ideals to pursue, and there is a pursuit that requires hard work and sweat. I hope that the ICBC where I work will always be young and magnificent, prosperous and developed! Bank teller marketing experience 5
Nowadays, the competition in the financial industry is fierce, and counter marketing has become a normal part of our work. The following are some of my experiences in daily counter marketing.
1. Dare to speak and speak frequently.
First of all, we must actively communicate with customers and understand their needs. Don’t be afraid of rejection and not go into marketing. If you dare to speak, you will have a chance of success. If you speak frequently, you will win more chances of success. If you don’t speak, you won’t even have the chance to be rejected. How can you talk about the chance of success? Secondly, we We must have a mind and mentality that is "generous and tolerant, and tolerate things that are difficult to tolerate in the world", smile often, and laugh away rejection and failure.
2. Balance hardness and softness.
Rou means marketing yourself and your products to customers with a smile and patience, studying abroad with integrity and enthusiasm, so that customers feel they are needed, liked and worth buying in an atmosphere of warmth and respect. Gang means always maintaining passion at work, understanding of products, and confidence in our own products, so that our products can bring benefits to customers and help customers solve problems; therefore, only when we understand our own products , Only in this way can we be better able to treat customers with emotion and reason, and pry open the door to marketing.
3. Treat marketing as fun.
If we market passively under the pressure of product tasks every day, we will become numb, and customers will reject us ruthlessly and indifferently.
Only by allowing yourself to recognize this challenge from your heart, proactively market, and let your enthusiasm infect every customer can you gain a huge sense of accomplishment from every success, find real happiness in marketing, and put it into practice. This happiness turns into motivation and infects colleagues and customers.
4. Marketing should have a good attitude.
First, only by devoting yourself wholeheartedly to your environment can you become the master of the environment, rather than a victim and eliminater of competition.
Second, we must persist in learning, live to learn, constantly update our knowledge, and meet new challenges. Pay attention to everything you learn, and you should also learn the marketing skills of your colleagues around you and use them for your own benefit.
Third, persevere and don’t be discouraged by one or two rejections. Failure is the mother of success. Believe that the sun is always after the storm. Only by exerting the spirit of perseverance in marketing can one grow through continuous practice and experience and become invincible.