How to become a good credit card account manager

What is the job of a credit card account manager?

Credit card account managers are quite tired.

Job content and requirements

Job description

1. Full-time undergraduate degree or above;

2. More than three years of working experience in Nanning Experience,

3. Applicants with experience in marketing, marketing planning, and business negotiation are preferred;

4. Hard-working, strong sense of professionalism, positive and optimistic, and able to withstand stress Strong, complete tasks;

5. Good image and temperament, good business negotiation, communication and coordination skills, ability to independently analyze and solve problems;

6. Provide high-quality services to merchants services and improve customer satisfaction.

1. Salary

Basic salary (basic salary of 3,500 yuan during the trainee period) + performance bonus + car meal subsidy + merchant brand building incentives + business quality reward (average monthly income of merchant managers is 8,000 yuan) -9,000 yuan)

2. Insurance benefits

1. Social insurance and provident fund

Pay pension insurance, medical care, work-related injury, maternity, unemployment insurance and Housing Provident Fund.

2. Supplementary 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. Growth with the card center, benefits of studying while working, and having both work and leisure

1. Employees who have been employed for one year on October 25 (inclusive) You can enjoy 1,000 yuan of growth bonus. Employees who have been employed for 5 years or more can enjoy a growth bonus of 5,000 yuan;

2. Employees who have been employed for 1 year on March 31 (inclusive) can enjoy a 1,000 yuan learning bonus.

3. Employees who have been employed for one year on December 31 (inclusive) can enjoy a leisure bonus of 500 yuan. After 5 years of employment, you can enjoy a leisure bonus of 2,500 yuan.

6. Union birthday condolences and holiday condolences benefits

7. Summer cool benefits

8. Only child care benefits

9. Travel uniform benefits

Employees who have been employed for half a year can receive uniform tailor-made uniforms for free. Including suits, long-sleeved shirts, short-sleeved shirts, jackets, leather shoes, scarves, coats, etc.

How is the pay at the Bank of Communications Credit Card Center

Not very good, rather tiring. The bank’s credit card center may be redundant for our workers. It cannot be used for long-term work. We have to be busy from morning till night every day. If we don't work, we don't have money. So tired! Let's go into a separate industry. The base salary looks very attractive. For example, the basic salary of a senior account manager is 7K+, but it is actually a basic salary with tasks. You must complete tasks to earn your base salary. Moreover, these tasks are not fixed and will be adjusted every year, and the tasks will become larger and larger. So it’s a basic salary of 7K+ before tax.

How is the job of the account manager of Bank of Beijing Credit Card in Beijing?

Good.

1. The company has a good working environment. The credit card account manager of Bank of Beijing has a separate office, which is cleaned every day and has basic facilities such as air conditioning and water dispenser. The environment is very good.

2. Good benefits. The employee salary is 5,500 yuan, there are separate gifts for each holiday, five insurances and one fund, and paid vacations, so the account manager of Bank of Beijing Credit Card in Beijing has a good job.

How is the salary of a credit card center account 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 the company's 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 + meal subsidy + merchant brand building incentives + business quality rewards; (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 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 about a credit card account manager?

It depends on the situation. In third- and fourth-tier cities, there is still a lot of room for growth in credit card issuance. The account manager of a credit card center is okay. However, in big cities, credit card issuance is close to saturation, so this position is not good. Did it.

The account manager of the credit card center, to put it bluntly, is the salesperson, responsible for pushing away Karaxin and others. This position was still very good in the first two years, and the popularity of credit cards was not high. However, recently, it will be very difficult in 2021. Those who can apply for a card have already done so, and those who cannot apply for a card still cannot get it due to credit problems. In addition, risk management and control have improved, and the review of card withdrawal has become more stringent, so this position may not be as easy to do as you think.

Next, I will give you a detailed analysis of the advantages and disadvantages of this industry. Let’s talk about the disadvantages first:

1. Hard work and pressure; (As a salesperson, there is nothing without performance.)

2. There is no promotion prospect; (It takes a long time and outstanding performance to go from salesman to supervisor. There are many salesmen in the unit who have experienced five to ten years before they can be promoted to supervisor. It takes at least two years, and the performance must be outstanding every month.)

3. There is no establishment. (This job is an outsourcing company of a bank, which means that you are only a temporary contract worker, not a regular employee. It is extremely difficult to obtain a formal establishment of a bank in this industry.)

Of course, no matter which No industry can only have shortcomings and not advantages, so let me analyze the advantages of this industry with you:

1. Free working hours; (you can go out after checking in in the morning and having a meeting, come in at night It doesn’t matter if you don’t work in the company, the time autonomy is very high)

2. The salary is high; (If you complete the performance every month, it will be between 6,000 and 8,000. Don’t believe the credit card account manager recruitment information mentioned in the recruitment information. There may be situations like 1w, 2w, and 3w, which are basically impossible to get)

3. It is very training. (As long as you are willing to learn, you can develop strong expression and communication skills in a short period of time.)

Does the account manager get a commission when customers use credit cards to make purchases?

Of course not, because using a credit card also requires repayment, so the account manager does not get a commission.

You need to pay attention to the following points when using a credit card:

< p>1. Credit card borrowers: Due to changes in consumption habits, many people have more than one credit card in their hands. Sometimes when chatting, I accidentally reveal how many credit cards I have. At this time, some gamers will ask you to borrow cards under various names. But you have to remember that if you lend your credit card to someone else, once the other party pays back the money, you will lose your assets, including your credit. After all, if he doesn't pay back the money, you have to pay it back. If you don't pay back the money, it's overdue.

2. Feel free to tell others the last three digits: When you receive a credit card, you must be able to see what the bank reminds you. Do not tell others the information on the back of the credit card easily.

Because when verifying credit card information, you will need the last three digits, which represent the security of your credit card. If you easily disclose your credit card information to others, the money in your card may be stolen by others due to a moment of negligence.

3. Credit card installments at will: We all know that credit cards have interest-free periods. Some people think that as long as they can repay the loan during the interest-free period, then the bank will not be able to collect the procedures from them! But in fact, the reason why banks promote credit cards is so that people can choose to repay in installments when they are in urgent need of money or max out their cards, thereby earning a certain amount of interest, or they may charge a penalty if someone has a bad memory and fails to repay in time. .

4. Overdue repayment: We all know that as long as there is overdue repayment, it will definitely leave a bad record on your credit report. You know, too many overdue records will cause problems with your future loans. However, banks are still relatively user-friendly, and they have certain flexibility for overdue repayments, such as 1-3 days. Because each bank has different regulations, it is best to call customer service first when this happens. _

5. Not repaying the bill in full: For banks, what they like most is that we don’t repay the bill in full. When you receive your credit card bill, you will find a column showing the "minimum payment amount," which is usually 10% of your bill amount. Although choosing the minimum repayment amount will not cause a bad credit record for you, it will generate a daily interest rate of 0.5%. For banks, because late repayment will cause the bank to have the risk of bad debts, what the bank welcomes most is that you choose the minimum repayment amount before the repayment date, and then continue to pay interest.

6. Keep increasing the limit: In fact, the higher the credit card limit, the better. The higher the limit, the easier it is to spend money, which will lead to a lot of debt. Therefore, it is best for us to control credit card consumption to two-thirds of our monthly income. Of course, if you really need a credit card with a high limit, you can also keep a card aside for emergencies.

That’s it for the introduction to the income of credit card account managers.