The account manager of Minsheng Bank has four specific tasks:
1, contact the customer
The account manager is an "ambassador" authorized to contact customers on behalf of the bank. Customers who need funds only need to find an account manager. Account managers should actively and frequently keep in touch with customers, understand their needs, guide them and provide them with "one-stop" service in time.
2. Develop customers
For potential customers, the account manager should actively develop. There are two meanings here. First, customers are not our customers yet and need to develop. Second, although the customer is our customer now, the customer has not found some financial needs and needs guidance urgently.
3. Marketing products
According to the bank's business policy, business plan and job requirements for account managers, conduct in-depth research on the market and put forward its own marketing direction, work objectives and business plan; In the interaction with customers, account managers should actively promote bank products. In addition, we should be good at discovering customers' business needs and actively suggest and recommend applicable products to customers. Customers' new requirements should be reported to relevant departments in time to explore the possibility of developing special products for them. The main means of marketing products by account managers are: widely promoting wealth management products, promoting wealth management products for key customers, market public relations and product promotion.
4. Internal coordination?
The account manager is the center of the bank's external service, and every account manager is a friendly hand extended by the bank to customers. Therefore, every business that the account manager "holds" is the wealth of the bank and needs the full assistance of all relevant departments. The account manager has the responsibility to play the role of the coordination center and guide every business of the customer to be completed smoothly and accurately in the bank. Account managers do a good job of internal coordination mainly in the following four aspects:
(1) Coordination between front-office business window and second-line business departments;
(2) Coordination among professional departments;
(3) Coordination between superior and subordinate departments;
(4) Coordination of business resource allocation. Internal coordination can be carried out by setting up a special working group, improving the comprehensive service system and feeding back relevant information in time.
In terms of quality requirements, qualified account managers must have good social communication and organization and coordination skills, modern management consciousness of time management and team spirit, warm and cheerful personality, a sense of responsibility, familiarity with the functions of various financial products, and strong management experience in market research and customer development. ?