How to be a good bank financial manager

As a new profession, financial manager has always given people a sense of mystery with its professionalism, privacy and dignity. So what should a financial manager do?

Before going to work every day, the first thing I do is to inquire about the customers whose birthdays are tomorrow and the customers whose wealth management products are due through the SOP system, and give birthday condolences to the customers and inform them by phone, and at the same time inform them of the current products. Then there is the promotion of VIP customers. I will further communicate with VIP customers by inviting them to introduce our products in detail, so as to promote our customers. During this period, I will also receive customers from time to time, understand their preferences, be a caring person, record the basic information and preferences of customers through chat, and then conduct targeted marketing for customers.

In fact, as a wealth manager, the most important task is to allocate assets for customers through a series of professional knowledge I have learned. With the continuous improvement of customer wealth, our intermediary business income has been increasing. First of all, before selling every wealth management product, I should be familiar with the product, thoroughly understand each wealth management product, understand the investment target, investment period and investment operation mode of the product, and then recommend it to customers and explain it to them. Imagine how a financial manager can explain and recommend to customers if he is not familiar with the most basic products, let alone financial planning, so familiarity with products is the most basic premise.

Secondly, the early publicity work is also very important. First, tell customers what products we are selling or will sell through SMS and LED columns, and call the account manager of the branch on the same day to tell them the basic situation of the products and the products to be sold, so that the account manager can serve as a powerful weapon while marketing new customers; At the same time, in the daily accounting morning meeting, inform the customer service director and accounting staff, so that they can also understand the products, which can increase the hall sales of products.

After a series of preparatory work is done, it will enter the formal sales link. This is the most important part of selling products, and it also reflects the ability of our financial manager. For example, we should firmly believe that "our products are always the best". With this belief, we can sell every product with great confidence. If we have no confidence in the products we sell, how can we recommend them to others? As the saying goes, there are only products that cannot be sold, and there are no products that cannot be sold.

In addition, we should learn to make rational use of our series of wealth management products, including various fund products and insurance products. Because we can't have smooth sailing in the sales process, we need to use all kinds of products reasonably to impress customers and make them accept at least one product through our own efforts.

Take the Minsheng Canada Fund, which was sold not long ago, as soon as I got the target task assigned by the branch, I started to make a sales plan. First, I refined the target task of 5.5 million to nearly 200,000 per day, so I began to invite customers. My task for myself is to invite an average of 65,438+00 customers every day. Among many invited customers, there are always customers who will be interested in this product. After continuous communication with customers, it finally paid off. I overfulfilled the task one week before the end of sales, and finally * * * sold 7.35 million yuan at the end of sales, ranking third in the whole bank. Nothing can beat us as long as we put our hearts into it.

Today, when China's banking industry is fully open, foreign banks have stepped up their market expansion in China's financial industry, especially in the intermediary business such as personal high-end customer financing, and strived for individual high-quality customers and high-end account managers in the banking industry through various channels. Faced with this situation, domestic commercial banks have also made great efforts in product design, service scope and degree, network design and staffing. On this unified platform, both foreign banks and domestic banks, I would like to discuss with you here, hoping that you can express your opinions:

From my own understanding of wealth management business and credit customer service in recent years, I would like to discuss with you from the following aspects. Please teach me more mistakes. I am very grateful.

1, professional quality: As we all know, the domestic financial industry started late in wealth management business, and there are few professionals? What customers need now is a financial manager with more professional and comprehensive financial knowledge. Therefore, as a qualified financial manager, your professional quality must be excellent. Of course, this is a long process, but I think everyone should always have the spirit and motivation to make progress. Only in this way can we better serve our customers.

2. Intimate service: Maybe you don't have many foreign banks. I personally experienced the service of a foreign bank once. One of my clients introduced me to an account manager of Hongkong and Shanghai Banking Corporation, so as to give me a perceptual understanding of the services of foreign banks. At first, my client didn't introduce me directly, but gave me a good understanding of the services of foreign banks through a phone call and his patient and meticulous answers. How is the use of funds in recent days? What has the account manager been doing these days? How did you handle the last customer request? What are the customer's next requirements? Through these simple answers, customers can learn about their business and funds at the first time, which is very reassuring! Therefore, our financial managers should work hard on the details, especially those middle and high-end customers, and do a good job of one-on-one service, such as what customers care about, their hobbies, their family situation, their business and so on.

3. Persistence and sense of responsibility: Sometimes the requirements of customers are not very high. No matter what they care about, what they ask for, whether they can do it well or not, they should be reflected to them at the first time. Anyone wants to know whether the message he sends will give a reasonable response. Therefore, as a financial manager, any financial requirements of customers, whether they can be achieved or not, should be clearly stated so that customers can clearly cooperate with you.

These are just some immature ideas. I hope you can add them.