Open a "fintech session" Bank technology post is waiting for a vacant position

Economic Observer reporter Hu Yanming In the spring campus recruitment launched in 2022, a number of banks directly opened "financial technology sessions".

In February, the Agricultural Bank of China, the Bank of Communications, the Shanghai Pudong Development Bank, the Bank of Nanjing, the Bank of Chengdu, etc. have successively issued spring recruitment announcements, and in the recruitment demand for various positions, the demand for scientific and technological talents is still strong. Among them, the Bank of Communications announced the number of people in this year's financial technology department campus recruitment, a total of 900 people, of which 700 people were recruited for software engineer positions.

In addition to national banks, a number of regional banks have also increased their recruitment of fintech-related talents. Recently, Jinzhou Bank, Hankou Bank, and Tailong Bank have all had relevant job requirements in the spring campus recruitment.

The head of the science and technology department of a commercial bank in a city in East China told the Economic Observer that combined with the experience of talent recruitment, it is difficult for non-first-tier cities to recruit experts, and campus recruitment has become the main way for the bank to cultivate scientific and technological talents.

"Fintech majors preferred"

In fact, in the fall "2022 Campus Recruitment" that began in August 2021, fintech-related positions have become one of the main recruitment positions for many banks. For example, bank of communications said that "focus on science and technology, hand over big moves, digital future, let you create" slogan; China Merchants Bank "sincerely invite you to explore the sea of stars in the digital age 3.0 business model".

Fintech positions, such as software development, data analysis, automation, financial engineering, intelligent technology and other hot demand, related professionals have become the "fragrant food" of bank recruitment.

In the autumn recruitment announcement, the Bank of Communications bluntly said that "financial technology majors are preferred" and detailed the composition of the financial technology sector, including two three centers, research institutes and subsidiaries, specifically the financial technology department, the data management and application department, the software development center, the data center, the test center, the financial technology innovation research institute and the Jinke company. In the spring recruitment, the bank directly opened a financial technology session, such as the "2022 Campus Recruitment of the Fintech Department of the Bank of Communications Headquarters" recently released by the Bank of Communications in the official channel, and the recruitment part includes the "two departments and three centers" above.

Among the many positions released, it is worth noting that more and more banks have begun to set up positions for fintech management trainees. Manage-mentTrainee, originally a foreign term, is a special project with the main goal of "developing the future leaders of the company".

For example, Industrial Bank said in the recruitment process that financial technology management trainees mainly provide products, data, risk control, channels, platforms, technology and other talent reserves for the technology department and business department of the head office; there are also branches that recruit financial technology management trainees to carry out relevant talent reserves.

For example, the management trainees of banks have learned from the experience of foreign banks, and the development path of follow-up personnel is also better. However, financial technology management trainees belong to a relatively new concept in the industry, and what is the future development potential is the most concerned issue for fresh graduates.

Fresh graduates who have obtained financial technology management trainees told reporters that what he cares about most at present is the future career development path. "Compared with other positions that have been determined, the career planning of management trainees at the beginning stage is not clear, nor do they know what the specific positions and departments are in the future, let alone whether they will be assigned to business departments or mainly in the middle and back office technical departments in the future."

Regional banks take a different approach

In addition to large state-owned banks and joint-stock banks, there is also a lot of demand for technology-related positions in the recruitment of many regional banks. For example, bank of Nanjing released the 2022 spring global campus recruitment announcement, including the head office and branches, there are relevant positions, the head office recruitment only involves the information technology department and the digital bank management department, a total of 50 people are recruited. Branches have also set up information technology targeted training positions, with a total recruitment of nearly 100 people.

Bank of Chengdu opened the 2022 Fintech Recruitment Seminar, which includes software development, system management, network testing, information security, etc. In addition, the spring campus recruitment released by Jinzhou Bank, Hankou Bank and Tailong Bank also has relevant job requirements.

The scientific and technological operation ability of small and medium-sized banks has always been regarded as a short board, and the person in charge of the science and technology department of a commercial bank in a city in East China told reporters that in the business development in recent years, the biggest problem encountered in scientific and technological operation is the shortage of personnel, "not the real few people, but the people who will know and understand less." In this case, our bank has taken the strength of the whole bank, set up a special team, the chairman personally grasped, all things are the chairman's attention, mobilization, basically can be said that whether it is funds, manpower is all the way smooth. Even with this support, problems in our local personnel areas make it difficult to recruit people. ”

In the eyes of many fresh graduates, banking technology jobs in non-first-tier cities are also a good choice. "Local bank fintech companies and fintech departments are good opportunities, although the treatment may not be as good as first-line manufacturers, nor as good as the head office, but it is not limited by traditional businesses such as bank deposit indicators." Some fresh graduates said.

The person in charge of the science and technology department of the above-mentioned city commercial bank said that as a city commercial bank in a third- and fourth-tier city, it is difficult to recruit more senior scientific and technological experts, and the industry has also made a great determination to break through the requirements of its own system, but it has not left talents. Banks in first-tier cities will fare much better.

In this case, the bank decided to take a different approach, starting with fresh graduates, such as attracting local graduates and graduate students in campus recruitment, and college graduates who are interested in returning to their hometowns. "In the later stage, we could not recruit mature experts, and we started from scratch. In 211 colleges and universities, graduate students related to mathematics and statistics are recruited. The person in charge of the science and technology department of the above-mentioned city commercial bank said.

Fresh graduates relative to social recruitment, the lack of rich work experience and practical experience, the general manager of the above-mentioned science and technology department said that in 2021 and recruited a lot of fresh graduates, after recruitment, not only their own bank for training, but also with the technology companies have a lot of business contacts, such as interactive analysis with technology companies, etc., is conducive to the cultivation and growth of talents. This model is also similar to the financial technology management trainees of the above-mentioned large and medium-sized banks, and the follow-up has carried out talent output on different lines of the whole bank, and now the team is currently playing a relatively important role in the business lines such as online loans and corporate business lines.

Demand for financial IT remains strong

Behind the emphasis on financial technology talents, not only because of user needs, banks continue to accelerate investment in science and technology and improve scientific and technological capabilities, for example, the needs of bank customers are gradually shifting to online, and banks' financial services need different technologies such as cloud computing, network security, artificial intelligence and machine learning technology, but also regulators have also put forward requirements for the digital construction of the financial industry.

On January 4, 2022, the central bank issued the "Fintech Development Plan (2022-2025)" (hereinafter referred to as the "Plan"), proposing that it will be based on strengthening the application of financial data elements, with the goal of deepening the structural reform of the financial supply side, with accelerating the digital transformation of financial institutions and strengthening the prudent supervision of financial technology as the main line, injecting digital elements into the whole process of financial services, running digital thinking through the whole chain of business operations, and focusing on the technology-driven and data empowerment of financial innovation. Strive to achieve a leapfrog improvement in the overall level and core competitiveness by 2025.

On January 26, the China Banking and Insurance Regulatory Commission issued the Guiding Opinions on the Digital Transformation of the Banking and Insurance Industry, requiring banking and insurance institutions to conscientiously implement it in light of reality. The "Guiding Opinions" pointed out that it is necessary to make full use of scientific and technological means to carry out personal financial product marketing and services, expand online channels, enrich service scenarios, and strengthen online and offline business collaboration. Build a business management system for Internet customer groups, strengthen customer experience management, enhance online customer demand insight capabilities, and promote the online intelligence of marketing, trading, service, and risk control.

"The supply of basic technology is becoming more and more abundant, the cost of deployment is plummeting, and the financial industry does have a budget with sufficient funds relative to other industries, attracting a lot of outstanding talents to join the financial technology-related work." Some people close to the regulator believe.