How much can the loan company's collector earn? How about a month's loan company collection?

How about the bank's collection of customer service?

This collection is really bad. Frankly speaking, this job is not a normal job. For a long time, in order to benefit, it can be said that it is wandering on the edge of the law. Carelessness is a crime.

You'd better not do such a job. This kind of work is not a good job. Credit card overdue collectors of outsourcing companies can be said to be similar to temporary workers, that is, collecting arrears. It can be said that your usual job is to collect debts that are difficult to collect. You may meet all kinds of people.

Generally speaking, if the bank customer service politely urges for a long time and fails to pay off the debt, it is possible to enter the outsourcing company. It can be said that many credit card debts owed by these people cannot be repaid. Otherwise, if you can, no one wants to owe them money all the time. Therefore, if the collector is polite to these debtors, he may still not pay them back. In this case, the collector will not be able to work effectively and get salary income.

If the cardholder wants the debtor to pay back the money as soon as possible, he may have to take some measures, which may be a bit illegal. If a collector wants to take such a big risk to collect some salary commission, it is really a bit uneconomical. So it's best not to do this kind of work, otherwise the risk is great.

: bank position:

1. Bank teller

There are two kinds of bank tellers, one is the front desk teller and the other is the back desk teller. The cashier at the front desk mainly receives customers to handle the corresponding business, and the cashier at the back desk checks some bank bills in the background. Backstage tellers should be more careful. They often have to review bills and bills. They cannot be careless. A slight mistake may cause huge losses to the bank. When you leave your seat, you must remember to lock the computer screen and drawer safe. Don't let others touch your business seal and name seal.

2. Customer marketing

The job of this position is mainly to attract customers. Good at tapping potential customers, with strong communication and marketing skills, can not only meet customer needs and provide practical value, but also enable banks to obtain operating profits and maintain normal operations.

3. Product support

The product support position is mainly to analyze some customer needs, develop products that meet the market demand according to the needs, and seize customer resources for banks. Product support positions are usually demanding. Good analytical skills and understanding of financial products.

4. Risk control

The risk control position is mainly to prevent and control customer credit risk and operational risk, and at the same time, it is necessary to monitor relevant risk indicators to improve the bank's own anti-risk ability. At present, the demand for risk control positions in major domestic banks is relatively large. Risk control positions generally require individuals to have strong risk foresight ability, judge when risks occur or are about to occur, and take timely countermeasures. At the same time, do a good job in risk control and have strong project operation ability.

5. There is a lot of IT work.

In addition to maintaining the stability of the banking system, we also need to develop and test new applications, such as bank mobile applications or clients. Information technology positions require a higher level of computer specialty and require a strong ability of development and innovation.

Can the borrower do it well? Novice misses, into the pit. .

Hello, it's suitable for some people who are calm, because they have to face various degrees of laziness every day, so it's very important to adjust their mentality, but the threshold is low and it's difficult to do well. Some old bank collectors around me are developing in the direction of collection management after working for several years, and some of them are proficient in business, which is beyond the reach of other microfinance risk control management posts. Generally, primary collection is similar to pure collection, and the salary level is not very high, which is suitable for people who don't want to do sales and be customer service every day.

I. Loans

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

I. Loan repayment method

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

How much is the income from the collection?

Haha, the topic is quite humorous. My daughter has done credit card collection for some time before, and can answer some of your little questions.

First of all, salary is based on performance. The better the collection result, the higher the salary. Our salary is not capped at 4500, and very few people really get a high salary. Because there may be two reminders out of ten, and those two are afraid to find someone at home who doesn't know much about laws and regulations. The other eight will not only tell you the truth, but also tell you why he didn't return it, and even verbally attack you. As for foreign visits, I've never been there, and I'm afraid I'll be slapped in the face, but now it's a legal society and it shouldn't hurt anything, unless you come to the door more than three times a day to make people feel bored and seriously affect his private life, then break the jar and break it.

In fact, the work is still a good job, but a little tired, few people insist. If you want to do it, there will always be unexpected gains. Come on!

Look at the title of your question. You want to collect money. I'm telling you, it's a basic salary. See if you go to the online loan project collection post or the credit card project collection post. Don't go to the online loan project to collect money, because many online loans have an annual interest rate of more than 24%, and even some online loans are unlicensed and illegal. Many collection salesmen may call the debtor 10, of which 10 can get through. The other seven people have some experience in financial knowledge and legal knowledge. In this case, many collection salesmen can't figure out what means to use, so they have to tell stories to debt collectors. No matter how hard and tired the collection salesman is, it is difficult for the debtor to find a breakthrough, because the debtor will calculate whether the loan contract and the annualized rate of online loan (online loan) of this loan company are within the scope stipulated by the state, and the debtor already knows that it is difficult for the collection salesman to reach the sky. The only hope is to go through legal procedures! However, it is difficult for an unlicensed loan company to ask the debtor to repay after it has been collected by illegal means, because the loan company and the collection company already know that it is illegal to do so. Moreover, there is no other good way to pressure the debtor to repay. At this time, the debtor was required to repay the principal, and some loan companies chose to give up at this time. Because there is no license, I dare not go through legal procedures to recover the arrears. It can only be seen that the debtor is in a state of repayment.

Credit card project highlights, can you try it? Bijing credit card compliance. I know several friends who work as collection clerks in the credit card project of China Everbright Bank, a collection company in Guangzhou (Guangdong Yuan De Information Technology Co., Ltd.). At present, their wages are still good. After the credit card is overdue, the collection clerk has repeatedly informed the cardholder of the repayment obligation, and many cardholders will consciously repay it, because the cardholder knows that the overdue credit card still has great influence and it must be bank funds. Some cardholders will suddenly get sick. In this case, many collection salesmen can't do business. Because these cardholders are emotionally unstable, if you call 100, 30 of them will answer the phone, but no more than 6 can repay the money. These six people's understanding of legal knowledge and financial knowledge is not enough to pay back the money, and more than 20 people will not. They wait for the funds to be withdrawn, then wait and see and negotiate with the bank to pay back the money. The loss of some cardholders is also the biggest headache for collectors. Generally speaking, credit card projects.

And the question you ask is whether the salary is very high when you go abroad for inspection. At present, only banks can conduct overseas visits, and banks and cardholders need to agree to collect the data of companies' overseas visits to cardholders' homes, because collecting the data of companies' overseas visits to cardholders' homes also requires banks to issue entrustment agreements, which proves that many loan companies are afraid to make online loans (online loans). Of course, it is also very dangerous for overseas collection salesmen. CITIC Bank entrusted two collection salesmen from a collection company in Shenzhen to houjie town for collection. A collection salesman was beaten because he was hit on the nose by the cardholder without his consent. After the collection salesman was beaten, the collection company reported a work-related injury and gave the collection salesman a 500 yuan grievance bonus.

The class that collects money is not over the year.

This is not recommended. At present, many large enterprises have an unwritten rule when recruiting, and people in the collection industry generally don't consider it. First, whether there is a criminal record or bad record; Second, it is difficult for people who have done collection to integrate with the team. It is not recommended to do so.

Why do you want to collect?

Collection is a job that overdraws your development opportunities, because you can't put it in your resume. Urging people to collect will not improve their ability, but will make people have no morality and bottom line.

If you have been collecting money for a long time, it will be difficult for you to find your next job, because most companies will refuse to collect money and there are many risks. You don't even have a chance to interview, because many people in the workplace have been urged by online loans, and you will have a great chance of being directly ignored by HR. Even if you are lucky enough to be hired, you will be excluded if you stay for a long time.

Collection has a strong negative impact in China. There are so many online loans in China. If you want to develop in the workplace, don't do collection. Of course, if you want to collect, you must be incompetent and poor. You can't think so much.

You also said that you want to do a foreign visit, which is a job that can be played at any time and even has legal risks. As long as the other party has enough courage to play a routine and kill you, it is considered self-defense, because if you want to enter the other party's house, you can't make it clear, just to see what will happen to others. Visiting abroad is a bit unfortunate. If it is light, the defendant will compensate. If it's heavy, think for yourself.

Is it easy for a credit card (debit card) collector?

The credit card (debit card) collector actually helps the bank to recover the arrears. In the early stage, the collector of the credit control department of the bank generally reminds the cardholder that the credit card (debit card) needs to be paid off only by SMS or telephone; The later, the more difficult the collection, especially the outsourcing collection.

Subcontracting collection is basically bad debts, which are difficult to recover. It is necessary for the company's collection staff to have certain collection skills, especially to explain the overdue interest of credit cards (debit cards) to the other party reasonably, and to have strong psychology to face the other party's bad words.

However, as a credit card (debit card) collector, you must not violently collect, such as exploding the address book, destroying the property at home, harassing the debtor and even his family for a long time, maliciously slandering and insulting.

This is the end of the introduction about how the loan company's collection work is and how much money the loan company's collectors can earn in a month. I wonder if you have found the information you need?