What does a bank account manager do?

Occupation Requirements Bank Account Manager (BCM) is a professional technician who is engaged in market analysis, customer relationship management, marketing service plan planning and implementation in the bank and directly serves customers (as a special enterprise, the account manager of the bank refers to the sales staff of the bank).

As a representative of the external business of the financial industry with rich connotations, by concentrating various available resources within commercial banks, we will vigorously market financial products to target customers, provide high-quality financial services, and build a bridge for communication and relationship development between banks and enterprises; It is the source of bank's strategic decision-making and product innovation, and the main executor to realize the overall development strategy and goal of the bank.

The service target industries of this position are diverse, and the diversified needs of customers for credit, settlement and wealth management lead to the diversity and comprehensiveness of marketing means and professional skills that account managers need to master. Account managers need to have a good knowledge base in economy, finance, finance, law, taxation, marketing, public relations, psychology and so on to do a good job in customer management and service.

development prospect

The bank account manager system has been proved by western commercial banks to be a financial innovation that can bring great management effects, and its important role is to effectively control the bank's operational risks. China introduced the bank account manager system from the end of 1997, but some bank account managers did not really play their due role.

With the increasingly fierce competition in the inter-bank market, the competition for and maintenance of customers and the business share to maximize the value of customer relationships have become the focus of inter-bank competition. With the implementation of process bank, the front and back office business of the bank is gradually integrated scientifically, and the scientific marketing system will inevitably choose the main strategy of bank competition-customer manager system.

Therefore, the bank account manager has become an important human resource for the market expansion of commercial banks. Its quality and skills are directly related to the success or failure of bank marketing.