laitimes

A big wave of posts is coming! Banks are "robbing people" in the spring, and the technology category is popular and compound

Per reporter: Li Yuwen Liao Dan Per intern reporter: Zhao Jingjing

A big wave of posts is coming! Banks are "robbing people" in the spring, and the technology category is popular and compound

March has not yet arrived, and the horn of spring strokes has already sounded.

Whether it is a fresh graduate who is about to enter the workplace, or an "old professional" who intends to change jobs, this "gold, silver and silver four" is worth looking forward to. As a representative of the "tall" industry, the bank's annual recruitment situation has attracted more and more attention from job seekers.

In today's banking industry, "digital transformation" is always an unavoidable topic. The fierce competition among banks in the field of digitalization is also fully reflected in another aspect - recruitment.

Recently, every reporter learned that there have been many state-owned large banks, joint-stock banks, and city commercial banks such as the Agricultural Bank of China, the Bank of Communications, the China Merchants Bank, the Everbright Bank, and the Bank of Nanjing.

Under the overall situation of "shrinking staff" in the industry, this year's bank recruitment still continues the trend of "science and technology talent fever", and many positions are more enthusiastic about "compound background talents". However, the difference is that whether it is a large state-owned bank or a joint-stock bank or a city commercial bank, the demand for information technology talents this year is mainly concentrated at the level of the head office.

Spring beckons

Major banks widely distribute "merit stickers"

It is said that "the plan of the year lies in the spring". Nowadays, the spring recruitment has not yet been carried out in a large area, and the bank has begun to recruit early for the talent team of the new year, of which the recruitment of state-owned large banks is particularly eye-catching.

A big wave of posts is coming! Banks are "robbing people" in the spring, and the technology category is popular and compound

As early as February 7, the R&D Center, a department directly under the head office of the Agricultural Bank of China that carries the heavy responsibilities of informatization construction, financial technology innovation and digital transformation, released the 2022 campus recruitment announcement, including seven major positions such as software research and development post, test development post and product research and development post. Subsequently, ABC Wealth Management and ABC Financial Technology, as wholly-owned subsidiaries of the Agricultural Bank of China, also followed the release of the 2022 campus recruitment notice.

In late February, the postal savings bank headquarters specially recruited for information technology positions, so its positions are also very targeted, including only two categories: information technology and financial economy.

If it is said that who has the most posts in the state-owned large banks that have carried out spring school recruitment, it depends on the Bank of Communications. The spring recruitment of the head office of the Bank of Communications is for ten positions, except for the software development engineer (stationed in Xiong'an) limited to 30 people, the rest are marked with a number.

In addition to the state-owned big banks, the spring moves of the joint-stock banks are also being carried out in an orderly manner.

Although the head office of China Merchants Bank has not yet disclosed the information of spring recruitment, its Guangzhou branch, Hefei branch, Harbin branch and Xi'an branch have long been moved, and FinTech targeted trainees, information technology posts, operation support posts and other positions are set up.

In the 2022 spring school recruitment of Zheshang Bank, the recruitment of the financial technology department of its head office includes application research and development and testing, system operation and maintenance and information security, and these positions have not set a limit number of people. In contrast, most of the bank's branches are limited to less than 3 people, such as 1 person recruited by the marketing post of wuxi branch and 2 people in dongguan branch.

Among the city commercial banks, Bank of Jiangsu officially launched the spring campus recruitment on January 18, and the information technology department, branches and subsidiaries of the bank's head office are all recruiting.

On January 26, Bank of Nanjing released the 2022 Spring Global Campus Recruitment Information, and its head office, branches, and investment holding institutions are all recruiting, with a total of 1,100 people planned to be recruited. Specifically, its head office positions are concentrated in the information technology department and the digital bank management department; 16 branches such as Nanjing Branch recruit undergraduate, graduate, legal and directional trainees and information technology targeted trainees; and the investment holding institution Xinyuan Fund only recruits information technology targeted trainees.

In addition, the Bank of Shanghai also began to recruit the spring campus in late January, and it is reported that the bank's head office only recruits financial technology trainees, technology and big data posts (with multiple subdivisions), and credit card business staff.

The headquarters of the Bank of Beijing and domestic branches are also recruiting.

Composite Background First

The head office favors fintech talents

People come early in the spring, and banks are busy recruiting.

In the wave of "digital transformation" in the industry, it is not difficult to find that this year's spring recruitment of banks is particularly favored by financial technology talents, especially the head office.

In terms of the top ten positions recruited by the head office of the Bank of Communications, in addition to the postdoctoral researchers who have not made a clear limit on the professional background of the candidates, the professional background of the remaining nine positions involves one or more of the computer, software engineering, electronic information, and information security.

In these nine positions, in addition to the two positions of measurement and statistics, data planning and security research, the remaining seven positions have different degrees of requirements for the candidate's computer operation level.

For example:

Software development engineers require "a solid foundation in computer science, proficiency in java, C, C++, C#, SQL, PYTHON, COBOL and other languages or other languages; understanding of mainstream computer operating systems, middleware products, distributed frameworks, network fundamentals, and related network products is preferred."

Among the five major departments in which the Postal Savings Bank headquarters participated in the recruitment this time, only the financial technology innovation department of the head office had two recruitment positions.

First, information technology, its priority majors include information security, software engineering, electronic information, computer science and technology, information and communication engineering automation;

The second is the financial economy category, which is not limited to majors. In addition, the remaining four departments are only recruiting information technology positions.

All positions recruited by Zheshang Bank Head Office on campus cover computer, software engineering, Internet of Things and other related professional backgrounds.

In addition, the head office of bank of Beijing is recruiting information technology posts, which are specifically divided into software development posts and system operation posts, and the professional scope is computer, software engineering, electronic information, big data, information security, mathematics, statistics and other related majors.

The head office of the Bank of Nanjing has only two positions in recruitment, namely the information technology post and the digital bank post, recruiting 40 and 10 people respectively. The professional requirements of these two major positions are computer science and technology, software engineering and other related majors.

This recruitment of Jiangsu Bank head office only has one position in the information technology department, for the "FinTech trainee" (that is, financial technology trainee), its professional requirements for computer science and technology, software engineering, electronic information and communication, information management, Internet of Things engineering, control science and engineering, mathematics, big data, artificial intelligence, financial engineering and other IT-related majors. In contrast, the positions of its branches are comprehensive or directional, and the professional requirements are economics, law, science, engineering, management and other majors.

It is worth noting that candidates with compound professional backgrounds are more "popular".

The position of business analyst (BA) of the Bank of Communications clearly mentioned in the job requirements that "a good computer professional foundation, with a complex professional background such as computer and finance is preferred".

In the basic application conditions, ABC Wealth Management also clearly states that "those with a composite professional background such as economics, finance and information technology are preferred".

The financial technology trainees recruited by the Bank of Shanghai this time require a master's degree or above, and their training direction is "financial technology composite professionals who are familiar with banking business and proficient in IT technology", therefore, in the basic requirements column, the Bank of Shanghai clarifies that "information technology, mathematical statistics, economic finance, financial accounting, management and other science and engineering majors, with information technology and economic finance and other composite professional backgrounds are preferred".

The two major positions of the Head Office of the Bank of Nanjing are respectively "focusing on cultivating composite professionals who are proficient in both IT technology and bank operation and management" and "creating composite professionals who are proficient in both data and technology, and more familiar with banking business".

The size of the banking industry's staff has shrunk overall

The proportion of information technology talents in many banks has increased against the trend

Su Xiaorui, senior analyst of Analysys, analyzed:

"With the continuous deepening of the digital transformation of banks, some work content with low efficiency or high repetitiveness has gradually been replaced by intelligent means, and the banking industry has shown a trend of gathering to 'high precision'. The tide is rising, and technical personnel have become the main recruitment targets of bank recruitment. ”

She said that all kinds of business processes such as marketing customer acquisition, user operation, risk management, and post-loan management are transforming to intelligence, and technology is the key driving factor, which can help the financial business improve quality and efficiency, penetrate the competition of technology, and ultimately the competition of technology talents.

Ping An Securities research report mentioned that from the practice of large and medium-sized banks, in order to compress the cost of customer acquisition, from the semi-automation of credit factories, to the full automation of online models, to the intelligence of supply chain models, the continuous innovation and application of technology and services have always run through it. From the perspective of the development level of financial technology in the industry, the banking industry has a wide range of applications of big data, cloud computing, artificial intelligence and other technologies, the overall degree of digitalization is high, the off-counter rate is more than 90%, and the banks vigorously invest in science and technology, and the proportion of scientific and technological personnel in the banking industry at the end of 2020 is close to 10%.

A big wave of posts is coming! Banks are "robbing people" in the spring, and the technology category is popular and compound

It is true that in the context of digital transformation, banks have long been preparing "fresh forces" for competing for financial technology.

Data show that in 2020, the information technology investment of banking and insurance institutions exceeded 240 billion yuan, an increase of 21% year-on-year, and the number of information technology personnel was close to 150,000, an increase of more than 17% year-on-year. At the same time, the banking system of financial technology companies have been set up, and there are currently 14.

Specific to banks, as far as the "Cosmic Bank" Industrial and Commercial Bank of China is concerned, the number of financial technology personnel of the bank is rising, with 34,800 in 2019, accounting for 7.8% of the bank's employees; in 2020, it was 35,400, accounting for 8.1% of the bank's employees, an increase of 0.3 percentage points. However, it is worth noting that the total number of employees of ICBC has been declining in the past three years, with 449,000, 445,000 and 440,000 in 2018-2020, respectively.

Similarly, the Agricultural Bank of China, data show that the number of scientific and technological personnel of the bank has increased year by year, from 6190 to 8056 in two years, accounting for 1.31% to 1.8%. But in stark contrast, the total number of people in the bank has dropped from 473,700 in 2018 to 459,000.

A big wave of posts is coming! Banks are "robbing people" in the spring, and the technology category is popular and compound

The proportion of technical personnel is also increasing year by year by the Bank of Communications, China Merchants Bank and Bank of Nanjing. The data shows that from 2018 to 2020, the proportion of information technology personnel (domestic bank) of bank of communications was 2.8%, 3.05% and 3.31% respectively; the number of R&D personnel of China Merchants Bank increased by 3 times in 2 years, from 2003 in 2018 to 8882 in 2020; and the proportion of technical personnel of Bank of Nanjing increased from 3% at the end of 2018 to 5% at the end of 2020.

In addition, bank of Jiangsu also said in its 2020 annual report that during the reporting period, the bank's scientific and technological personnel increased by more than 15%, and the investment in science and technology was further increased.

A big wave of posts is coming! Banks are "robbing people" in the spring, and the technology category is popular and compound

In fact, in recent years, the overall size of the bank's staff has shown a tightening trend. Wind data shows that as of the end of June last year, at least 21 of the 42 A-share listed banks had a decrease in the size of employees from the end of the previous year, accounting for half, and 8 of the remaining 21 did not disclose the employee situation at the end of June.

A big wave of posts is coming! Banks are "robbing people" in the spring, and the technology category is popular and compound

In terms of the total number of employees, 34 of the 42 listed banks disclosed the number of employees at the end of June last year, with a total of about 2.4 million employees (including labor dispatch workers), a reduction of more than 30,000 from 2.44 million at the end of the previous year, of which the employees of the six major banks in the first half of last year were reduced to varying degrees, reducing the total scale by 26,000.

A big wave of posts is coming! Banks are "robbing people" in the spring, and the technology category is popular and compound

In the context of the overall contraction of banks, the recruitment of information technology talents is still in full swing, and the determination of the digital transformation of the banking industry can be seen.

Salary is difficult and Internet manufacturers

There are also IT graduates who favor banks

"People in our department are not easy to recruit, and it is difficult to recruit people who understand both finance and IT." A personnel of the technical department of a certain bank told reporters.

According to reports, in the second quarter of 2021, at least 225 companies provided nearly 70,000 jobs, the financial technology talent gap reached more than 180,000 people, and large-scale banks, IT service providers and comprehensive financial companies became the main force in recruitment.

The demand side is in short supply, and for information technology talents, banks can be described as thirsty for talents. On the supply side, what are the characteristics of the career preferences of graduates of related majors?

"Most of the graduates in our class have gone to the Internet factory, which has higher wages, advanced technology, and can grow faster." An IT graduate said. When the reporter asked about his intention to work, he did not hesitate to choose the Internet factory. "Although overtime is serious, the Internet manufacturers really have high wages."

According to data from Zero One Think Tank, in the first quarter of 2021, joint-stock banks, financial outsourcing enterprises, and comprehensive financial and insurance companies recruited more than 50% of financial technology talents. Although these institutions recruit a large number of people, the salary level is relatively low, between 10,500 yuan / month and 13,600 yuan / month. The salaries of blockchain companies, bank fintech subsidiaries, credit reporting companies and big data risk control companies are in the "industry ceiling", all of which exceed 25,000 yuan / month.

Although the salary is not as good as that of the Internet manufacturers, there are also computer science graduates who favor banks.

"Several of us who came in with the same batch were computer professionals." Xiao Su is now working for a branch of a large bank in the Xi'an region. Recalling that she had just entered the bank, she couldn't help but sigh, "When our bank was recruiting, there was no division of specific positions, everyone came in the same rotation, starting from the teller, after the half-year internship period, the human resources will divide the position according to the personal professional background and work ability, and those with computer background have a good chance to go to the backstage financial technology department, and sometimes the branch will also name such employees, of course, this also depends on the personal wishes of the employees." ”

"Some colleagues in our department refused to go to the backstage Jinke department and chose to stay and be a jin account manager." Xiao Su said, "The personal gold account manager belongs to the marketing post, and the more he works, the more he earns, while the back-end department takes the average performance." ”

Xiao Su said that there are still graduates with computer backgrounds entering the bank, after all, the overtime of the bank is certainly not as much as that of the Internet factory, and the salary is still passable in the financial industry. A few years ago, their bank was specifically recruited for the financial technology department, "if you directly enter the financial technology department, basically do not require a financial background, or the academic qualifications and computer background requirements are higher." ”

For students who have graduated in finance, banking is still a good choice. "As far as the financial profession is concerned, banks are still relatively appropriate." Xiao Su said.

"I don't want to work overtime, I want to be stable." After graduating from southwestern university of finance and economics, Kobayashi resolutely chose to become a "banker", and now works in the interbank business department of a listed city commercial bank, "The economy has not been very good in recent years, and it is not easy to have a stable job." ”

Talking about compound talents, Kobayashi said: "As far as I am concerned, most of the compound background is computer to finance, from finance to computer is still relatively small, if the graduate student is finance, after graduation, most of them are engaged in pure financial positions in banking, such as research and trading; if the graduate students are biased towards economics or statistics, most of them go to the digital finance department after graduation." ”

"In fact, now the employment is 'very volume', many tellers are graduate students, some are also this composite background, they come in are first from the teller, followed by a transfer." Kobayashi said.

Focus on peer work experience

The level of job recruitment in banking is relatively higher

There are also regulatory drivers behind today's preference for IT talent.

On January 26 this year, the China Banking and Insurance Regulatory Commission issued the Guiding Opinions on the Digital Transformation of the Banking and Insurance Industry, which clearly pointed out that it is necessary to vigorously introduce and cultivate digital talents. Encourage the selection of professionals with scientific and technological backgrounds to the board of directors or senior management. Focus on the introduction and cultivation of financial, scientific and technological, data composite talents, focusing on data governance, architecture design, model algorithms, big data, artificial intelligence, network security and other professional fields. Actively introduce digital operation talents, improve financial ecological management capabilities, and strengthen incentive measures for leading talents and core experts.

On January 4, the People's Bank of China issued the "Fintech Development Plan (2022-2025)", proposing to promote the digital transformation of finance with high quality and improve the modern financial system adapted to the development of the digital economy. The document also puts forward eight key tasks, one of which is to "do a solid job in the cultivation of financial technology talents, continue to promote the construction of the standard rule system, strengthen the implementation of laws and regulations, and escort the financial technology industry to be stable and far-reaching." ”

"Commercial banks are the licensed financial institutions with the largest number of financial industry and the widest customer base, and have a wide range of business types and practice scenarios in the application of financial technology, which gives commercial banks sufficient motivation to attract financial technology talents and actively participate in financial technology innovation supervision projects." Su Xiaorui said.

Compared with the school recruitment of information technology talents, the banking and social recruitment pays more attention to the experience of the same industry, and the job level is usually higher in comparison.

In the 2022 annual social recruitment announcement of the Chongqing Branch of industrial and commercial banking, it is required that the applicant for the account manager post needs to have "2 years or more of full-time work experience in the regular staff of financial interbank and enterprises and institutions".

Everbright Bank has also recently released recruitment positions on its official website, and many departments of the credit card center of the bank's head office are recruiting deputy general managers, and most of them are required to be engaged in financial work for more than 4 years or more than 8 years in economic work, and at the same time need to have more than 3 years of relevant post management experience.

In addition to the head office, many branches of Everbright Bank are also recruiting branch leaders, branch presidents, vice presidents and other positions. For example, the branch president/vice president of the branch recruited by the Wuhan branch of Everbright Bank requires that "in principle, he should be engaged in banking work for more than 3 years or engaged in finance-related work for more than 5 years", and should meet other conditions such as holding the next level management position for more than 2 years.

It is worth noting that the recruitment of the Chongqing Branch of the Industrial and Commercial Bank of China requires the age of the applicant to be no more than 35 years old in principle, and the recruitment position of Everbright Bank also has corresponding requirements for the age of the candidate.

Su Xiaorui told reporters that the "replacement" of talents in banking institutions is in a process of continuous advancement, and one of its performance characteristics is the "replacement" of age, the proportion of post-90s employees continues to rise, and there is no lack of "fresh blood" such as post-00s.

It is worth noting that some banks recruit branch presidents, and some banks select presidents.

At present, the online application for the competitive selection of presidents of Changsha Bank is underway. According to the requirements, the candidates for the job should be members of the Communist Party of China, and they should also have been engaged in financial work for more than 8 years, or engaged in related economic work for more than 12 years. In addition, there are various requirements for previous resumes, such as serving as the principal of the main business department of the provincial branch of the state-owned commercial bank and the Postal Savings Bank, the president of the prefectural and municipal branches, the principal of the main business department of the national joint-stock commercial bank, the president of the first-level branch, or the senior management personnel of the head office of the city commercial bank with total assets of about 500 billion yuan at the end of 2021 for more than 3 years (the tenure period is calculated until January 30, 2022).

Focus on "Exam Strategy + Mindset Adjustment"

What are some tips for applying for a bank job?

In addition to the hard conditions, whether it is a school recruitment or a social recruitment, to enter the bank must go through a series of written tests and interviews, what skills can help candidates improve the probability of "passing customs"?

"At that time, my parents also suggested that I choose a bank, and I felt that the bank work was stable." Recalling the job search season three years ago, Xiaosun still clearly remembers the days when he brushed the online application system every day, "I invested in several banks, on the one hand, I wanted to increase the probability of successful job search, and at the same time, I wanted to take this opportunity to accumulate some written test and interview experience." ”

"The amount of questions in the written test is not particularly large, but the scope is quite wide, not only in the financial field, but also in many fields such as current politics, history, physics, medicine, etc. It is a bit like the line test of the civil service examination, and the time may still be tight when it is really done." Xiaosun recalled several written tests he had taken before, and believed that the strategy and mental adjustment during the exam were very important, "Some graphical reasoning question types, the answers are not so easy to judge, I will leave individual questions for the last time." ”

After Xiaosun successfully passed the written test, she ushered in the leaderless group interview that many companies are keen to use in the school recruitment process. Given a simulated scenario, group members are spontaneously assigned roles in the team and collaborate with each other to analyze and solve problems. "The simulation scenario I encountered was a proposal design for a bank working with a company, and in that interview I played the role of a leader, and I used to think about the whole situation and grasp the general direction of the whole discussion." Later, Xiaosun successfully received an offer from a state-owned large bank, which in her opinion has a great connection with her performance in the above interview.

Also after a wave of screening such as online application, written test, interview, etc., Xiao Wang received offers from two banks in the graduation season two years ago, namely a state-owned bank and a joint-stock bank. "At that time, I thought that I valued the advantages of this joint-stock bank in the public business, and felt that the joint-stock bank was more competitive than the state-owned bank, which meant that higher salaries were possible."

Since joining the company, Xiaosun and Xiaowang have experienced the process of transferring from teller to account manager or other middle and back office positions, becoming more and more familiar with banking business, and constantly planning their future career development direction. In their view, every year the school recruitment season bank is a "big household" that absorbs fresh graduates, but in recent years, the flow of grass-roots personnel in the bank has become more and more frequent. Xiaosun told reporters, "Now banks are making efforts to digitally transform, which has also led to changes in the type of demand for talents in banks compared with the past, such as the former tellers are constantly compressing, and the demand for marketers is further increasing." From the open recruitment positions, it can also be seen which talents banks prefer now. ”

Reporter: Li Yuwen Liao Dan

Intern reporter: Zhao Jingjing

Editor: Liao Dan

Vision: Liu Qingyan

Typography: Liao Dan Ma Yuan

Daily economic news

Read on