Credit card center of Shenzhen CITIC Bank is not working well. According to relevant information, most people in the bank credit card center are dispatched, and the treatment is relatively poor. Compared with the official staff of the bank, it is one in the sky and one underground. Among the employees recruited by CITIC, the introduction through relationships is generally formal, and campus recruitment is mostly formal. Anyway, before you go in, ask who the contract is signed with.

How about the credit card department of China Merchants Bank?

The jobs in the credit card department of China Merchants Bank are very good, and the promotion mechanism is usually perfect. Details are as follows:

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

(1) Intensive cultivation in the accounting line, making it a business benchmark, promoted to the head of the cabinet, and then competing for the accounting director of the branch, and then competing for the vice president of the branch. It usually takes five to eight years to get there. Further up, you can climb to the accounting department of the provincial branch to be a small leader, then compete for the general manager of the accounting department, and then March into the head office.

(2) Turn to account manager and take the marketing route. Generally speaking, cabinets should have a strong sense of marketing, and job-hopping should generally take part in written tests and interviews.

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

(1) It takes more than five years to be an account manager: account manager assistant → account manager → senior account manager → senior account manager → private bank consultant. With the continuous improvement of the level, the wage income is also increasing, and the managed customers are also constantly high-end. They mainly rely on professional knowledge to promote performance growth to increase their income, but they have been working in branch offices and are managed by branch managers.

(2) Competing for the president of the branch. Generally, the president of a branch changes every three years. Every year, there are always presidents who are licensed because of poor performance. Therefore, if you like being a leader, you can generally participate in the annual competition for the president of a branch after three years of work experience. Being a branch manager is very stressful, with more than 50 indicators every year. If you don't do well, you will be sent off with a red card and dismissed directly.

(3) Development to relevant departments of provincial branches. For example, individual account managers go to the private finance department, corporate account managers go to the corporate business department, and retail account managers go to the credit department, and then become the leaders of these departments.

Extended data:

Matters needing attention in the credit card department of China Merchants Bank:

1, bank skills training:

Introduce the business scope, main products, market positioning, target customers and competitive environment of the bank. , enhance the market awareness of new employees; At the same time, the teller position will mainly learn the basic knowledge of finance, accounting operation norms, counter cashier business and other theoretical knowledge, and master practical skills such as counting money, summoning and digital entry;

The position of account manager mainly studies the specific business varieties, customer marketing skills and business system operation process of the bank; In the process of business training, skill competitions and exams are generally organized, and finally every new employee is assessed. Therefore, students should take it seriously and actively show it, so that they can quickly adapt to the working environment after taking up their posts and win the approval of the leaders.

2, bank professional image training:

Banks are typical service industries, so they pay more attention to their professional image. During the training period, the bank will hire professional etiquette teachers to explain etiquette knowledge to students, including polite expressions, standing posture, sitting posture, walking posture training, gfd, etc., to help students better change their professional image and become qualified bankers.

How about working in the Bank of Communications Credit Card Center?

No, the credit card center of the bank can be a transition for our workers, but it can't be a long-term job. Busy from morning till night every day. If you don't work, you won't have money. It's very tiring! Let's do something else.

The basic salary seems attractive. For example, the basic salary of a senior account manager is 7K, which is actually the basic salary with tasks. You have to complete the task to get this basic salary. Moreover, these tasks are not fixed, and will be adjusted every year, and the tasks will become bigger and bigger. So to put it bluntly, it is the state of 7k basic salary before tax.

Bank profile:

Bank of Communications is one of the major financial service providers in China, covering commercial banks, securities, trusts, financial leasing, fund management, insurance and offshore financial services.

There are 235 domestic branches of Bank of Communications, including 30 provincial branches, 7 directly affiliated branches and 99 provincial branches/kloc-0, with 3,270 outlets in 239 cities above prefecture level and 158 counties or county-level cities.

It owns seven non-bank companies, including wholly-owned subsidiaries of Bank of Communications Leasing, Bank of Communications Insurance and Bank of Communications Investment, and holding subsidiaries of Bank of Communications Fund, Bank of Communications Guo Xin, Bank of Communications Life Insurance and Bank of Communications International. In addition, Bank of Communications is the largest shareholder of Changshu Rural Commercial Bank and also the largest shareholder of the bank. Strategic shareholding in Hainan Bank, holding four rural banks.

How about handling a credit card at the bank? I am a girl.

It is difficult to handle credit card business in the bank.

First of all, the credit card center of the bank mainly has several big jobs:

Management positions; Expanding positions are the most positions in bank credit card centers, and so are channel expanding positions; Personnel and finance positions are responsible for personnel and finance, but many credit card centers in banks are not self-service finance, so they are not necessarily set up; There are many technical jobs, such as the development of new wealth management products, mobile products, network maintenance and technical services. In addition to the above positions, the bank credit card center has also set up many other positions.

Second, the job of the bank credit card center is to do business.

Simply put, it is to let customers handle their own bank credit cards. Credit card centers of banks handle credit card business. Credit card center is a huge department, which generally belongs to the secondary department of the bank, including risk control, customer service, gifts, joint activities and so on.

All the functions of the credit card need to be managed by the credit card center. For example, credit card approval, credit rating, consumer account records, risk control, credit card preferential activities, card points management and so on. These are core functions, and they are generally formal employees of the banking system. Like telephone customer service, it is generally outsourced.

Third, the significance of credit cards

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit card centers are relatively independent in management, similar to branches, but are managed by the head office. However, the difference between a bank's credit card center and a bank lies in management issues. Credit cards are generally handled by third-party institutions, and only a few banks have special personnel to dock business. Banks are internal, but the people recruited now are basically contract workers sent by the third-party labor department.

Work in the Bank of Communications Credit Card Center, okay?

Not so good, tired. The credit card center of the bank may be redundant for us workers. Can't be a long-term job. We must be busy from morning till night every day. If we don't work, we have no money. Too tired! Let's enter an independent industry. The basic salary looks attractive. For example, the basic salary of a senior account manager is 7K, which is actually the basic salary with tasks. You must complete the task to get the basic salary. Moreover, these tasks are not fixed and will be adjusted every year, and the tasks will become bigger and bigger. Therefore, it is the state of 7K pre-tax basic salary.

1, the management of the Ministry of Commerce is chaotic. The decision-making of the leading group basically depends on patting the head and has no professional market management experience. Any decision-making depends on its own data, as well as external data and other sub-center data, which is seriously lacking by the management team at present. There is basically no promotion mechanism. Promotion depends not on personal ability but on nepotism. Therefore, it is not suitable for the vertical development of your career. The team atmosphere is extremely bad. The core leaders decide the team culture. There is basically no team culture here, and long-term work can easily affect personal values.

There is little work to learn, especially managers, let alone managers. More than half of the work is just manual labor. Just a publicity porter for Bank of Communications. The bank credit card center is a secondary bank among banks. As high as the upgraded branch, it is directly managed by the head office. There are basically two kinds of employees in the bank credit card center: one is the official employee of the bank and the other is the expatriate employee. Expatriates are mainly responsible for outsourcing companies, and their main job is customer service, but formal workers are different. He is responsible for all management of bank card functions, such as credit rating, risk control, credit card approval, credit card discount, etc. These core functions are under the jurisdiction of the official industry. The other is dispatching workers, who are recruited by outsourcing companies. Under normal circumstances, telephone customer service is to send staff.

Every day, some employees are recruited through various softwares. Basically, they are all expatriate employees of the company. They are not the responsibility of the head office, but managed by outsourcing companies. They mainly sign contracts with third parties. Although the salary mentioned above is relatively high, including the salary written in the contract, a lot of money is given to intermediary companies, that is, third-party companies, which are under great performance pressure and have a high turnover rate. Therefore, in the face of recruitment, we must clarify the content of the contract and see if it is a labor dispatch contract. General recruitment will have special instructions. But if you are a regular worker directly, your salary is relatively stable, which is a good job.

4. This is very difficult. If you are a fresh college graduate, you can't find a satisfactory job for the time being, and you feel that you are a passionate and energetic young man, I suggest you try. Don't care too much. After all, you should do it with a learning attitude, otherwise it will be difficult for you to stick to it. Different regions have different specific treatments.

How's the work in the credit card center of Yonghe Palace of Bank of Communications?

Working in the credit card center of Lama Temple Bank of Communications has many benefits and good treatment. At the time of entry, we will tailor clothes for each employee and provide one-month professional pre-job training. Pay perfect social insurance and housing accumulation fund after joining the company, and enjoy comprehensive physical examination every year. Send holiday gifts to every employee on major holidays. This is a good job.

First, the requirements for entrants

1.23-33 years old, full-time college degree or above, regardless of major; Good health, good image and good team spirit; 2. Strong customer communication ability, business processing ability and project management ability; 3. Able to work under great pressure; 4. No bad business practices. Full of enthusiasm and enthusiasm for work; 5. Industry background in application field is preferred; 6. Responsive and psychologically tolerant. 7. Hard-working, conscientious and able to strictly abide by various rules and regulations. 8. Good conduct, good faith and no bad personal credit record; 9. Enthusiastic in sales, willing to accept challenges, seeking stable development and pursuing personal success.

Second, the daily work content

The bank credit card center mainly has the following positions, 1. Management position: personnel, center management leader; 2. Expansion posts are the most posts in bank credit card centers, and channel expansion posts also belong to this category; 3. Personnel and financial positions, person in charge and finance, but many credit card centers in banks are not self-service finance, so they may not be established; 4. Technical posts, including developing new wealth management products, developing mobile products, network maintenance and technical services. In fact, the main job of the bank credit card center is to do business. Simply put, it is to let customers handle their own bank credit cards.

To sum up, it is very good in the credit card center. Decent work belongs to the white-collar class and is respected. Income is stable. If you don't consider making a lot of money, it will be a very stable and comfortable job. All kinds of insurance are complete, so you can spend the rest of your life carefree. There are also many holidays, and weekends and holidays are normal.

That's enough for the job introduction of the bank credit card center.