渣打银行
Business Development Executive, Priority
Business Development Executive, Priority
发布于 6 个月前普通员工/个人贡献者
上海市
初级经验
全职员工
仅现场办公
大专
销售与零售
交叉销售
信用评估
合规
客户开发
报告撰写
沟通能力
银行产品
销售
AML
AI 估算 · 12k–20k
作为国际银行的销售岗位，薪资与业绩强挂钩，具备竞争力的底薪加提成结构，适合有销售潜力的求职者。
职位详情
关于这个职位
该职位是渣打银行个人银行部门的业务发展专员，主要负责主动推广银行指定的零售产品与服务，开发新的高净值客户
核心工作包括参与销售活动以达成业绩目标，跟进销售线索，并向客户交叉销售其他银行产品，同时需确保提供高质量的售前与售后服务，并严格遵守银行的风险与合规要求
最低要求
大专及以上学历
良好的个人诚信，无任何纪律处分纪录
良好的沟通，表达及学习能力
优良的个性品质，勇于销售及解决业务过程中的问题
工作职责
Strategy**
Responsibilities that are related to the development and implementation of a strategy, for example, Awareness and understanding of the Group’s business strategy and model appropriate to the role.
Business**
Responsibilities related to the delivery of business and / or financial objectives, for example, Awareness and understanding of the wider business, economic and market environment in which the Group operates
Processes**
Reference the processes for which the Role Holder is responsible, as per the Operational Risk Framework definition of first / second line, for example, Responsible for executing and supervising the Budget process.
People & Talent**
Reference all responsibilities related to people and talent matters, for example:
Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.
Ensure the provision of ongoing training and development of people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.
Employ, engage and retain high quality people, with succession planning for critical roles.
Responsibility to review team structure/capacity plans.
Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.
Risk Management**
Responsibilities relating to identifying, assessing, monitoring, controlling and mitigating risks to the Group, as well as an awareness and understanding of the main risks facing the Group and the role the individual plays in managing them. For example -The ability to interpret the Group’s financial information, identify key issues based on this information and put in place appropriate controls and measures
All responsibilities under the Risk Management Framework – both execution and supervisory – should be referenced, for example, Act as the [Process] risk control owner under the Group’s Risk Management Framework (including relevant Operational Risk Framework ownership for [Liquidity] risk.
Governance**
Responsibilities relating to the direction, planning, structure, frameworks (e.g. processes and policies) and oversight. For example, Responsible for assessing the effectiveness of the Group’s arrangements to deliver effective governance, oversight and controls in the business and, if necessary, oversee changes in these areas; Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
Regulatory & Business Conduct**
Display exemplary conduct and live by the Group’s Values and Code of Conduct.
Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
Lead to achieve the outcomes set out in the Bank’s Conduct Principles
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders**
List all responsibilities associated with the management of stakeholders e.g. regulators, other bank teams
优先资格
一年以上金融或房贷或房产行业工作经验优先
有相关银行行业销售经验者优先
了解银行产品、政策及经营策略
良好的信用评价与营销技能，对金融市场有敏锐触角
AI 洞察
优缺点分析
优点
- 平台优势显著：渣打银行作为国际知名金融机构，能提供成熟的培训体系、丰富的产品线和强大的品牌背书，助力个人职业发展
- 技能复合性强：岗位不仅锻炼销售能力，还深入涉及金融知识、合规风控及客户关系管理，综合能力提升快
- 收入潜力与稳定性并存：拥有具有竞争力的薪酬包（底薪+提成+福利），在跨国银行工作也相对稳定
- 合规要求严格：银行业监管严密，工作中必须时刻遵守大量规章制度，任何疏忽都可能带来严重后果，容错率低
- 竞争激烈：面向高净值客户的金融销售市场竞争激烈，需要不断提升专业性和服务能力以维持竞争力
- 适合对金融销售有热情、抗压能力强、注重细节且追求在稳健平台下获得职业发展与收入增长的求职者
缺点 / 挑战
- 业绩压力持续：销售岗位核心考核是业绩达成，需要持续开拓客户并完成指标，工作节奏快，压力较大
角色解读
- 专业纵深发展：可以从初级销售专员成长为高级客户经理或产品专家，专注于高净值客户财富管理或特定金融产品领域
- 管理路径：积累足够经验和客户资源后，可向团队主管、销售经理等管理岗位发展，负责带领团队和制定销售策略
- 跨职能发展：在银行体系内，优秀的销售经验也是转向业务策略、产品管理或风险管理等岗位的宝贵基础
- 核心是销售与客户开发：主动寻找并跟进高净值新客户，推广个人银行产品（如理财、信贷），并努力达成或超越设定的销售目标
- 负责客户全周期服务：不仅包括售前的产品介绍与需求挖掘，还包括售后的关系维护与问题解决，确保客户满意度
- 承担重要的合规与报告职责：必须严格遵循反洗钱等银行法规，并准确记录和汇报销售活动，工作严谨性要求高
- 销售与营销能力：需要具备主动开拓客户、达成交易的核心销售技巧，以及对银行产品的深入理解和推介能力
- 金融知识与合规意识：必须了解基本的金融产品、信用评估知识，并时刻牢记合规要求，确保业务操作合法合规
- 沟通与关系维护：优秀的沟通和表达能力是与客户建立信任、进行有效销售及提供优质服务的基础
申请策略
- 深入研究渣打银行：了解其在中国市场的发展战略、主要零售产品及企业文化，在申请和面试中展现你的诚意和匹配度
- 准备行为案例：针对“达成挑战目标”、“处理复杂客户情况”、“遵守规章制度”等主题，提前准备好 STAR 法则描述的具体案例
- 突出销售与业绩成果：重点描述过往销售相关经历，用具体数据和案例（如业绩完成率、客户增长数）证明你的销售能力
- 展示金融行业理解：即使非直接经验，也应体现你对金融市场、银行产品或经济环境的关注与学习
- 强调合规与责任心：在经历描述中，可以提及你对待工作的严谨态度、遵守流程的经历，或对风险控制的认知
- 体现沟通与服务能力：通过项目协作、客户服务或任何需要与人打交道的经历，来证明你的沟通和人际交往技能
- 补充金融基础知识：提前学习银行零售业务、常见理财产品和基本的宏观经济概念，面试时能展现你的准备度和热情
- 模拟销售场景：练习如何进行产品介绍、客户需求挖掘以及处理异议，可以准备一两个简短的销售情景演练
面试指南
- 对于行为类问题（如销售经历、处理挑战），建议使用 STAR 法则（情境、任务、行动、结果）来结构清晰地讲述故事，并突出个人在其中的主动性和贡献
- 对于动机类问题（如为何选择），应将个人职业兴趣、技能与公司平台、岗位价值相结合，表达出真诚且经过思考的意愿
- 对于情景类问题（如客户疑虑），回答应体现以客户为中心的服务理念、解决问题的步骤以及对银行产品合规推介的坚持
- 请分享一次你成功达成或超越销售目标的经历，你具体做了什么？
- 如果遇到一位潜在客户对产品有疑虑，你会如何应对并尝试促成交易？
- 你如何理解银行业销售岗位中合规的重要性？能否举例说明你是如何遵守规则的？
- 你为什么选择渣打银行以及这个业务发展岗位？
- 你未来的3-5年职业规划是什么？
职位点评
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