If I am determined to be a product manager of Internet finance, I think that although the key of Internet finance is the Internet, its foundation is finance. At the same time, as a basic and risk management industry, the internal structure design of banks is more complicated in balancing and controlling risks, but it also brings resistance to innovation. Therefore, as a product manager, it is difficult to talk about innovation and revolution without a deep understanding of traditional financial business. For example, the POS acquiring business, which seems simple, actually involves complex participants and interest disputes, and there are also various games at the regulatory level. We can't expect banks themselves to take the initiative to innovate as beneficiaries. Another example is P2P loan, which seems to be a simple transaction, but it only convinces the middle and high-level people born after 1950s and 1960s to accept the basic view that "service should be customer-oriented rather than bank-oriented", so it is extremely difficult to do this in the banking system. Just as it is difficult for post-80s secondary market analysts to give the investment logic of Internet companies with the profit forecast model of cyclical stocks, the decision-making and action system within banks will not bring the possibility of "Internet" gene fermentation. Therefore, I can only say that in a stable management structure, the product managers of banks can never relax their enrichment of various financial services, and must form their own thinking and be ready to face opportunities at all times. This learning process is very boring, because you may face all kinds of management methods, operation processes and design documents. However, I believe that as banks are forced to carry out Internet transformation, a talent with good IT technical quality, proficient in basic financial business and broad vision will not be buried. One more thing: doknow's answer that bank product managers have little room to play is also true. After all, the head office of the bank is more like an administrative organ, with a lot of red tape, nonsense and prevarication. This requires the product manager of the bank to have a strong writing skills, especially PPT, especially to write all kinds of boastful internal marketing materials, especially to be eloquent. Without these, how can we impress those uncles and aunts who work at an altitude of several hundred meters?