What capabilities do banks need?

The financial technology talents needed by the banking industry mainly serve the financial technology department, information technology management department, software development center, testing center, data center, data management and application department of the bank, and the job requirements are mainly distributed in technology, data, products, risk control, operation and other aspects. The ability to meet the demand is reflected in:

1, technical personnel

Emerging digital technology has brought subversive changes to various industries, and the banking industry has more demand for R&D talents in cloud, big data and artificial intelligence. General technical personnel need to master at least one programming language and be familiar with commonly used technical frameworks and tools. According to the latest data from consulting firm obvious, about 40% of the vacant positions in the most enthusiastic banks for AI are related to artificial intelligence. In its IT system management-related positions, Bank of Communications explicitly requires it to assist in tracking cutting-edge technologies related to big data and artificial intelligence, and assist in the large-scale application of artificial intelligence technology in continuous delivery and rapid deployment to create intelligent operations.

2. Data talents

The key areas of banking financial technology construction will begin to focus on the data level, including data centers, big data computing platforms, and data governance systems. Data management center has become the basic standard in the organizational structure of bank financial technology. Enterprises' deposits and loans, inclusive finance, trading banks, personal deposits and loans, wealth management and credit card business all need talents in data mining, analysis and application. Through data extraction, mining and analysis, data analysts form data analysis reports or decision-making suggestions to provide implementation basis for business teams.

3. Product talents

Product talents play an important role in business innovation and user experience, helping banks achieve business growth and sustainable development, including business analysis, product manager and user research. Product managers need to get through the links between systems, undertake and sort out business requirements, and optimize business experience services; At the same time, it is also necessary to have Internet thinking and user synaesthesia ability, stand on the user's point of view, and build distinctive customized services around the user's demands.

4. Risk control talents

Risk control talents are very important to the development of banks, including credit evaluation, information security, risk control management and other post talents. Effective risk management and compliance control can help banks reduce risk exposure, protect asset security, provide data support for bank management decisions, and maintain the trust and reputation of banks. Risk control talents need to be familiar with financial technology systems and related technologies, such as data mining, machine learning and artificial intelligence. Understand financial markets and products, and be familiar with risk management theory and practice; Have good data analysis and processing ability and risk judgment ability, and can accurately identify and evaluate risks.

5. Operational talents

With the advancement of digital transformation, bank operations are gradually changing to digitalization and automation, which requires more talents in retail technology and digital operation. Operators need to be familiar with all kinds of online financial scenarios, tools and technologies related to marketing and customer service, and have a keen insight into user needs and market changes; Need to have good communication and coordination skills and teamwork skills, and can cooperate with IT R&D posts and data posts.