What is the future of working in the Credit Card Department of China Merchants Bank?

Working in the credit card department of China Merchants Bank has a very good future. As long as you work hard and actively pursue advancement, it is very promising.

What is the salary of a credit card department manager?

The account manager of the credit card center is the salesperson of the credit card. The salary is based on performance, which is generally okay.

1. The main tasks of the account manager: first, responsible for accepting Bank of Communications credit card business for local customers; second, developing the credit card market, deeply exploring customer resources, promoting various Bank of Communications credit card products, and completing company orders sales tasks and provide effective services to customers.

2. Qualifications for account managers: (1) College degree or above, aged between 20 and 35 years old. (2) Clear speech, fluent Mandarin, and strong language expression ability. (3) Love sales work, have good communication skills, keen market insight and strong pioneering spirit. (4) Strong sense of teamwork and a down-to-earth and diligent work style. (5) Have a hard-working spirit and a desire to challenge. (6) Have good service awareness and strong sense of responsibility. (7) Have sales experience in credit cards, personal financial products, insurance, fast-moving consumer goods and other industries.

3. Salary and benefits of account managers: (1) Salary: basic salary, performance bonus, car meal subsidy, merchant incentive, business quality reward; (2) Insurance benefits: including social insurance and provident fund ; Pay pension insurance, medical care, work-related injury, maternity, unemployment insurance and housing provident fund for employees; supplement commercial insurance; purchase commercial insurance for employees to enjoy more medical protection, and outpatient medical treatment can also be reimbursed. (3) Health examination benefits: provide employees with physical examination services worth about 500 yuan 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, work and study at the same time, work and leisure benefits; trade union birthday condolences, holiday condolences benefits; summer cool benefits; only child care benefits; traveling service benefits, etc.

What is it like to work in the credit card department of Hua Xia Bank?

Working in the credit card department of Hua Xia Bank depends on the job position.

The two most common positions for all bank credit cards are: credit card salesmen and telephone customer service representatives.

One is dedicated to applying for a card, and has to work outside every day. The basic salary is low, but only with good performance can the income be high. It is a bit like a salesperson in an insurance company.

The other one sits in the computer room every day, answers the phone, provides services and handles complaints.

Both of these positions are quite hard, the remuneration is relatively average (there are also some with good performance), and the turnover of personnel is also quite high.

So, it is necessary to understand clearly before joining the job.

: Netizens talk about their feelings about working at Hua Xia Bank

1. There is no hope for career development.

The manpower propaganda said that one to two years would be needed for the middle and back offices, but currently there are still graduate students who came in in 2016 and are sitting in the high cabinet. If you want to go to the middle and backstage, you must have the ability. In addition, the low cabinet in front of you must leave, so that you can take a step forward. There are general accountants, sales office managers, etc. in front of you. They have to go through one by one before it is your turn. This is still the case without Cheng Yaojin. Seniority is very serious. Want to go to a branch? If you don’t have some amazing connections and resources, don’t even think about it. Now we are all transforming into retail. If you don’t want to engage in marketing, don’t enter this door.

2. The internal management of the company is chaotic and there is mutual blame.

If you ask a business question to a branch, A will refer to B, and B will refer to C. In the end, no one could figure it out. And some of them have very bad attitudes. It’s up to you to comfort an angry customer. As long as nothing happens, anything will work. Any complaint is your fault.

3. Orders are changed in the morning and evening.

Just talking about credit cards, when applying for etc., it is said that 5 transactions are free of annual fees. Suddenly changed the credit card charging rules, only 20,000 yuan is free.

There was no notice, just an announcement on the official website. Thousands of customers were inexplicably charged a hefty 680 annual fee and came to the branch to cause trouble. You still have to find a way to appease them, and if you file a complaint, it’s your business. The professional level of 95577 and credit card customer service is even more impressive. If customers can’t catch them, it’s the outlets that are unlucky.

4. The software and hardware equipment are relatively low.

It is well known that operating systems are lagging behind. It crashes and freezes, and there is no input method or sequence to print. None of the other equipment is in good condition. The money counter, sorting machine, printer, and scanner are repaired every day and break down every day. The repair reports to the Information Technology Department are all very rude, and we can't afford to offend them. The waiting time was extremely long and the teller was helpless. A lot of mobile banking, direct banking, community apps, etc. have been developed, but none of them are easy to use. When a customer gets angry, he or she will complain to you again.

5. Quality faults and bureaucracy.

In 2016, the North Branch began to recruit people with higher education, the so-called Huangpu Phase I. However, most management positions have limited academic qualifications. Some managers with evil intentions had a sense of crisis and bullied new employees with higher education, and a large number of them resigned because of this. There are fewer and fewer people who can actually work. Employees hide and do nothing. If they don't do anything, they are right. If they do more, they are wrong. Some leaders are in internal strife, only flattering and tired.

6. The pressure sinks seriously.

Beifen has more than 60 branches and more than 1,000 employees, and more than 2,000 branch offices. Including the response to the inquiry letter, even the system upgrade and the installation of paperless equipment are all done by the tellers. 99 cash must be picked out and handed over to the vault separately. For example, you submitted the credit card opening information to the branch. After several months, the branch said that it could not find it. They pulled up a customer list for the branch, asked for their ID cards one by one, and then copied and submitted it to the branch again. For another example, tens of thousands of pieces of information are maintained every year, and there are countless versions of seal cards alone. Every time there is a change, the branches have to contact the existing customers one by one to come back and re-seal and establish the database. Wait until all are sent to the branch. The branch is very tired. It takes 10% of the energy to serve customers and 90% of the energy to serve the department.

How about the job of issuing credit cards in a bank? I'm a girl.

The job of applying for credit cards in a bank is quite difficult.

1. The bank’s credit card center mainly has several major positions:

Management positions; development positions are the most common positions in the bank’s credit card center, as are channel development positions. Category 1: Personnel and finance positions, responsible for human resources and finance, but many bank credit card centers are not self-service finance, so they are not necessarily equipped; technical positions, development of new financial products, development of mobile products, network maintenance There are many technical positions in , technical services, etc. In addition to the above positions, the bank's credit card center also has many other positions.

2. The job of the bank’s credit card center is to do business

To put it simply, it is to allow customers to apply for credit cards of their bank. All bank credit card centers handle credit card business. The credit card center is a huge department unit, usually a secondary department of a bank, including risk control, customer service, gifts, co-branded activities, etc.

All functions of the credit card need to be managed by the Credit Card Center. For example, card approval, credit rating, consumption account records, risk control, credit card promotions, card points management, etc. These are core functions and are generally formal employees of the banking system. Telephone customer service is generally outsourced.

3. The meaning of credit card

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft 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 credit card center and a bank lies in management issues. Credit cards are generally run by third-party institutions, with only a few people from the bank handling the business.

The bank is internal, but the people it recruits now are basically contract workers dispatched by third-party labor departments.

How is the Credit Card Department of China Merchants Bank?

The jobs in the Credit Card Department of China Merchants Bank are relatively good, and usually the promotion mechanism is relatively complete. The details are as follows:

1. Teller in the Credit Card Department of China Merchants Bank:

(1) Work intensively in the accounting line, set a business benchmark, be promoted to teller manager, and then compete to be hired as accountant of the branch Supervisor, and then competing for the position of deputy president of a branch, it usually takes 5 to 8 years to get here. If you go higher up, you can climb to the accounting department of a provincial branch and become a small leader, then compete for the position of general manager of the accounting department, and then move to the head office.

(2) Transfer to an account manager position and follow the marketing line. Generally, you need to have a strong marketing awareness when working as a cabinet, and transfers generally require you to take a written test and interview.

2. Account Manager of Credit Card Department of China Merchants Bank:

(1) Always working as an account manager: Account Manager Assistant → Account Manager → Senior Account Manager Assistant → Senior Account Manager → Private Banking Consultant , it takes more than 5 years. As the level continues to rise, salary income also continues to increase, and the customers managed become more and more high-end. Mainly relying on professional knowledge to promote performance growth to increase income, but I have been working in the branch, receiving Management of branch heads.

(2) Competition for the position of branch president. The president of a branch usually needs to be replaced every three years, and every year there are always presidents who are dismissed due to poor performance, so if you like to be a leader, you can usually participate in the annual branch president election after having 3 years of work experience. Competition for recruitment. Being a branch manager is very stressful. You are burdened with more than 50 indicators every year. If you fail to do well, you will receive a red card and be dismissed directly.

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

Extended information:

Notes on the work of China Merchants Bank’s Credit Card Department:

1. Banking skills training:

Introduction to the bank’s Business scope, main products, market positioning, target customers, competitive environment, etc., to enhance the market awareness of new employees; at the same time, the teller position will mainly learn theoretical knowledge such as basic financial knowledge, accounting operating standards, counter cashier business, and master banknote counting and cashiering. Practical skills such as subpoenas and digital entry;

The account manager position mainly learns the bank’s specific business types, customer marketing skills, business system operating procedures, etc.; skills competitions and assessments are generally organized during the business training process. And finally make an assessment and evaluation of each new employee, so students still need to take it seriously and perform actively, so that they can quickly adapt to the work environment after taking up the job and win the recognition of the leadership.

2. Banking professional image training:

Banks are a typical service industry, so they attach great importance to professional image. During the training period, banks will hire professional etiquette teachers to provide students with Explain etiquette knowledge, including polite language, standing, sitting, walking training, appearance and appearance, etc., to help everyone better transform their professional image and become a qualified banker.

What do the credit review clerks in the bank’s credit card department mainly do?

What do the credit review clerks in the bank’s credit card department mainly do?

The bank’s credit card department The credit review clerks mainly do credit investigations.

Information auditor is an emerging profession that emerged with the development of the Internet. As the amount of information on the Internet increases, in order to ensure the legality and standardization of information, And to express the will of the company through the standardization and screening of information, the industry of information auditing was born, and the position of information auditor was also born.

For Internet companies with a huge amount of information, information auditing occupies a very important position. Information auditing work is the guarantee of the quality of the entire website and is the lifeline of the website. For example: Baidu, Sina, Sohu, Taobao, Alibaba, Ganji.com and other websites that generate massive amounts of information every day, as well as various large-scale forums and blogs, all require professional information auditors to handle them professionally.

Qualifications

Information auditor is a new profession, and there is currently no relevant qualification certification. Except for websites with special languages ??or highly technical skills, most of these positions have relatively low personnel requirements. They are mainly young people with technical secondary school and university degrees. This is a great opportunity for young people who have just entered the Internet industry. Good choice.

What does the market business representative of the bank's credit card department do?

Mainly apply for credit cards for qualified people. The specific job is to go to the customer unit with the credit card application form every day and directly Find customers to apply for bank cards. Then the bank calculates the performance of the business representative based on the business representative's daily performance, the number of orders placed, and the credit card approval rate (that is, how many cards have been successfully applied for by the customer), and pays him or her salary and sales commission. The monthly salary of a good bank market business representative is very high. It doesn’t matter which industry you work in. As long as you learn the marketing skills, you will have a high and steady income, because you will accumulate a lot of customers by doing this. group. I think the current bank with this title should be Shanghai Pudong Development Bank, which is also engaged in credit card promotion. China Guangfa Bank calls this account manager, and Shenzhen Development Bank and China Minsheng Bank also call them this. Industrial Bank calls them direct sellers, Shanghai Pudong Development Bank calls them market business representatives. These are the only banks currently hiring. I hope qsxpz friends can find a good job. Remember: selling things is always the most profitable business!

What does the credit card specialist of Ping An Bank mainly do?

1. Promote and sell the bank’s credit cards and related consumer financial products, and complete the established credit card sales task targets.

2. Proactively contact customers in a timely manner to assist in the implementation of local credit card customer relationship maintenance work.

3. Actively prevent credit card risks.

The main source of income for this job is the commission earned from promoting credit cards. The specialist's income is determined by the number of cards applied for. If a card is approved, there will be a commission, which ranges from 20-50 for ordinary cards. , the gold card ranges from 30 to 100, and there are also deductions for failure to complete the plan. The remuneration is not considered as formal employment. They sign a labor contract with a third party and are covered by up to three insurances.

People from the Credit Card Department of China CITIC Bank, please come in!

As long as you have proof of income, it is easy to apply for a CITIC card, but the limit should not be very high. If you are applying for a credit card for the first time, the general credit limit is around 4,000.

Of course, if your company is of good quality and has a good reputation, you can also fill in more of your income, and there is a chance of getting a gold card or platinum card.

How does the bank’s credit card department conduct audits?

If the applicant meets the requirements required by the bank’s credit card center to apply for a credit card, it generally does not take a long time and can be approved within 15 working days. , the relevant situation is as follows:

1. It takes 8 working days for the credit card to enter the audit;

2. As long as the submitted application materials are complete, it usually takes 2 days from the audit department to the second review. After the audit is completed on working days;

3. After passing the audit, a card will be made for the customer within 2 working days;

4. Send it to the customer by registered mail according to the billing address Generally, the delivery time of registered mail is within 15 days.

Other related:

1. Applicants can log in to the official website of credit card application to check the progress of credit card application;

2. If the applicant does not receive the credit card for a long time, For credit cards, you can call the credit card customer service hotline and be transferred to manual service for detailed verification.

What about working as an entry clerk in the credit card department of a bank?

Is it official? How about basic salary, hardware and benefits? If it's good, then it's OK. If you are asking about the work content, the work is tedious and you do the same thing every day. It is just a matter of living on the job. People who are more patient can do it.

Urgent! Citibank Credit Card Department

All Citibank credit cards are audited in Shanghai. What is your position? Are you in sales? Sales are based on basic salary plus performance, so performance is very important. Most sales earn more than auditing. . . There are always seven or eight thousand, and the good ones can be tens of thousands. But it’s hard, being out all day.

Is there a bank’s credit card department?

If you need to know about China Merchants Bank’s credit card-related business, you can call the customer service hotline 4008205555 and transfer to manual service for more details.

That’s it for the introduction to the work of the credit card department.