banking

其實Retail banking MT既prospect係點?

HKer
大家好 有幾個問題關於香港retail banking mt 例如hsbc rbwm (包埋rbwm digital?), scb ig果啲希望問下大家既意見:

1. 人工

起薪黎講 每間行既rb好似同各自既cmb都差唔多 而bonus聽講就應該少好多
但係之後底薪既升幅係咪都會少好多?完programme之後大約會去到幾多?

2. 工作性質

以我所知cmb/corp bank mt大多數都會落番rm位湊客
而rb mt可能就會做多啲product dev/ management, digital, marketing既野
唔知岩唔岩呢?rb mt會唔會都要落分行做分行rm跑數?

3. 前景

Retail banking mt有啲咩exit path?
除左係銀行之間跳黎跳去 其實而家咁多fintech野challenge傳統bank 各大fintech firm有無機會呢?

對retail banking了解唔深
希望大家可以解答下 唔該晒!
編輯於2020年05月22日

別人叫我太SoHin | Anthony@OnGrad
別人叫我太SoHin | Anthony@OnGrad
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Hello HKer!! 唔好意思拖左你咁耐。無錯,升講人工。Programme後RM同non-RM喺bonus上絕對有分別,但亦無諗到咁有天淵之別,實際情況當然亦都係因人/performance而異啦。好難係到一概而論嘅🤔

其次,有關於工作內容同career exposure,希望你唔介意我重新share番HSBC嘅example,佢可以講係最diversified架啦:

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如果從依家見到幾batch嘅examples,可以expect完programme either RMWB back office roles (eg Marketing, Broking Services Product Management, Risk & Controls...)嘅Manager grade;或者係digital果邊嘅Business Analyst / Analyst grade。點都好,都想借呢個機會同各位分享一下Global Digital Graduate Trainee大概嘅rotation同工作內容係點。 

Source: HSBC Application Site (N years ago)

HSBC係兩三年前將各大畢業生都趨之若鶩嘅Management Associate Programme rebrand做Global Graduate Trainee Programme,藉此再uplift成個格局,變成一個更有全球招聘味道嘅graduate programme,淨係睇名都已經殺死人。喺各大Stream當中 (會請嘅部門包括有:Global Banking and Markets、Commercial Banking、Global Private Banking、Retail Banking and Wealth Management (RBWM)、仲有Operations/Technology等等,每個部門可能會有多過一個Programme),以Digital Graduate Programme比較eye-catching,因為始終Digital Banking係大趨勢,更會令到有人聯想起可能會有利之後投身Fintech同Virtual Banking等⋯ 究竟Global Digital Banking係做乜?Under RBWM又洗唔洗落branch?我哋又同有關人士仔細了解過,大概有可能會rotate去以下工作崗位: 

Digital Risk & Controls / PayMe (HSBC App) / HSBC Reward+ (HSBC App) / Customer Experience Strategy / Website Optimization / e-KYC / Mobile Originations / Value-ended Messaging / Messaging Analysis / Partnerships / Retail Distribution / Retail Banking Transformation / Digital Data / Segmentation & Targeting - HSBC Singapore /Malaysia Mobile Banking App,大概每三、四個月就會轉一次;每人轉法都唔同,睇上去有關Digital Banking嘅嘢都應有盡有,同埋都真係有機會係去到幫Retail做下transformation咁。總括嚟講,我哋覺得呢個Programme都無得輸架啦,每年請得嘅人數都唔少,可以睇得出expansion空間會好大。前路嚟講起碼出路會好闊,講真,大貓trainee大把人會請啦!

Source: HSBC Website (again, n years ago)

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最後,有關career transition。其實如果有可能嘅話,真係盡可能都要take多少少digital products / transformation嘅rotations/opportunities。呢方面絕對絕對絕對係大趨勢,基本上任何銀行,甚至當然包括虛擬銀行,都一定要好大量呢方面嘅人才,esp大bank出嚟嘅MT,一定冇得輸。係呢個層面,似乎反而做RBWM會有多啲potential,其實睇到大貓請咁多RBWM/Digital就知😉

編輯於2020年05月21日

Jimmy
其實做唔做到digital product或digital-related嘅嘢,都係睇你rotation會唔會去digital banking/transformation嗰function。但係如果rotate唔到去dbg,都唔緊要😂咁就要睇下你rotate條team會唔會有新嘅digital initiatives/products。如果有而你又有機會follow嘅,咁就恭喜你。

不過個role同responsibilities都唔同,如果你係dbg去follow個project,你啲skillset應該會technical好多。但係如果你係出錢嗰條team,即係俾initiatives嗰邊,咁你做嘅可能就只係mon住個progress同之後marketing嘅嘢,未必係一啲好hands-on嘅fintech/technical嘅experience

純屬淺見🙇🏼‍♂️🙇🏼‍♂️希望幫到下手
編輯於2020年05月22日
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