Working in a bank: employee reviews, pros and cons

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Today, the issue of employment is acute for millions of people. Even employees who have vast experience have to face the fact that they need to re-search for a place to work. There are a huge number of reasons for this. For example, there could be a reduction in production, some have to quit due to serious disagreements in the team or against the background of too low wages. It is increasingly difficult for young and ambitious people to find a good job even if they have graduated from a higher educational institution. However, despite all these difficulties, today there is a huge number of uncovered vacancies, which, perhaps, many did not think about before. Bank employees are widely required in the labor market today.

Some are confused by the fact that there are too many such vacancies, and employers promise too good financial security, as well as an interesting work schedule. In order to understand whether it is worth applying for such a vacancy, you need to consider reviews about working in banks. It will also not be superfluous to familiarize yourself with the positive and negative aspects of such activities.

Pros of working in a bank

Even at the beginning of the 2000s, it was believed that getting a job in a financial institution was a huge success. Working in a prestigious organization was an indicator that a person really had a special mindset and knew how to conduct business. Gradually, a huge number of different vacancies formed in this area, and there were much more offers than demand. At the same time, banks began to dictate their conditions, and applicants gradually lost interest in such employment. However, this does not mean that there are no positive aspects in such work today. First of all, it is worth highlighting comfortable working conditions.

This is definitely one of the positive arguments in favor of getting a job in a bank. In this case, there are 2 options: you can get a job as an operator in a bank branch or work at home and do work in the bank's call center. Reviews of both types of employment are mostly positive. Regardless of the chosen type of work, a person can work in the most comfortable conditions for himself.

If we talk about offices, they are usually equipped with very good offices. They contain air conditioners, heaters, modern office equipment and everything that is necessary for normal operation. This is not surprising, as banks strive to make a good impression on their customers.

If you choose the second option, then in this case it will be possible to work without leaving home. You don’t have to rack your brains on how to pick up a child from a kindergarten, or worry that you need to stand daily inhour jams. Also, according to reviews about working in banks, such activities have other advantages.

Formal employment and salary levels

First of all, you need to understand that the so-called gray wages are not practiced in banks. This means that you will not have to receive money in an envelope without official employment. In the course of the activities of a financial institution, contributions to the Pension Fund are made for each employee. In addition, you can apply for sick leave and not lose money.

Financial organizations very clearly adhere to the Labor Code of the Russian Federation, so you can be absolutely calm about the legality of such work. The same applies to salaries. Any processing and other additional time expenditures on the part of the employee are necessarily encouraged by bonuses. Advances are always accrued clearly and on time, without any delays.

The opportunity to use profitable bank products

Any employee of a financial institution is automatically included in the loy alty program. This means that if necessary, he can get a loan at a lower rate or a credit card on favorable terms. Of course, each bank operator is much better than any client understands the varieties and features of tariff rates. He understands which contract is more profitable to conclude, and which conditions are better to refuse. In their reviews of working in a bank, many say that they have gained invaluable experience that will be useful throughout their lives.

Besides this, an employee always has growth prospects. If ahe will competently cope with the tasks set, then the management will definitely pay attention to him. Banks appreciate those people who do not want to be just ordinary operators. Financial institutions today are spreading at a tremendous speed. Hundreds of offices are opening in cities. Of course, when the question arises of hiring a manager there, first of all, candidates are considered not those people who came "from the street", but their own employees.

However, if you read the reviews of employees about working in a bank, you can find information about the disadvantages of such employment. Therefore, it is worth looking into the negative aspects in more detail.

Disadvantages of working in a bank

First of all, many note that a few decades ago it was really much easier to work in the banking sector, there were much fewer requirements for employees. They felt comfortable. However, today there are often problems with the authorities, the team, or simply unfavorable conditions for employment are provided. Fortunately, this, of course, does not happen in large banks, but there are some nuances that may be important when making the right decision.

Looking at reviews about working in a bank, you can stumble upon information that, first of all, an employee must sign a liability agreement. In principle, there is nothing terrible in this, since a person is really constantly in contact with large amounts of money. However, it should be taken into account thateven if the applicant gets a job where contact with banknotes is not implied, then in this case he will still have to sign the relevant documents. This is what causes great fear and concern for many.

Another disadvantage that some ex-employees point out is that they are required to implicitly report to the senior manager and other people in higher positions. Of course, there is nothing reprehensible in this, but in the banking sector very often problems arise against the backdrop of such a hierarchy. Some unscrupulous leaders literally begin to morally mock employees and criticize them. But in this case, everything depends not on the bank, but on specific people. Such leadership can be found in absolutely any field.

Another unpleasant minus is noted mainly by the fair sex. The fact is that in such work it is necessary to adhere to a certain dress code. At the same time, most often in financial organizations it is provided that all employees wear black and white clothes. Some companies even give out special vests or uniforms.

According to employees' feedback about working at the bank, some had to deal with the fact that the volume of work was too large. Others complain that the work schedule in such institutions is not always standardized. Sometimes you have to stay up late. But all overtime hours are paid according to the law.

Separately, it is worth noting the cons in the reviews about working from home. The bank offers quitefavorable conditions, but the problem lies elsewhere. The thing is, you have to call a lot of people. At the same time, you need to talk about new promotions and other products of a financial institution. Potential customers are not always ready to listen to such advertising. They can easily get nasty and call the operator the very last words. If the nervous system is stable, then this should not be embarrassing when applying for a job.

Having considered the pros and cons of such work, it is worth studying in more detail specific financial institutions and the opinions of employees who worked in them.

Reviews about work at Tinkoff Bank

Since this financial institution is the only bank that does not have any branches and branches, in this case only work from home is offered. In the case of this institution, we are talking about full freelance work with the possibility of drawing up a flexible work schedule. This means that a person does not have to be tied to the office and spend a lot of time getting to it every day. In the reviews about working at Tinkoff Bank, many say that you can find a job both on the Internet and on the company's official website.

Getting a job is not difficult. Since we are mainly talking about working in a call center, the requirements are not the most stringent. Therefore, many say that such work can be a great start in building a career for students who have graduated from colleges.

Features of work

If you look at the feedback from employees about working at TinkoffBank , most employees are satisfied with a flexible schedule and terms of cooperation. However, since this financial institution does not have branches, only call center operators are required.

The duties of such an employee include calling potential customers and offering the latest banking products. You can work from any city in Russia. At the same time, you can work at any time (even at night).

The call is made using a special online system installed on the Tinkoff internal platform. You don't have to work every day. If desired, even an hourly work schedule is possible. For example, work hour after hour or on a different schedule. However, you need to read the reviews about remote work at Tinkoff Bank more carefully.

The fact is that each employee has a certain limit that must be met. For how much it was achieved (in 1 day or several weeks), it does not matter at all. The main thing is to have positive results.

Also, positive feedback about remote work at Tinkoff Bank says that despite the fact that all work activities are not carried out at the company's office, employees are still officially employed. Even if a potential employee lives in some remote village, then in any case they will conclude an employment contract with him. It is worth noting that if we are talking about freelancing, then this is extremely rare, so we can say that cooperation with a bankTinkoff is predominantly positive.

Work as an operator at Tinkoff Bank: reviews and features

This activity of this financial institution is to call potential customers and sell various products. For example, the operator must call people and offer them profitable deposits, insurance, credit cards, and more. The client base has already been compiled, so you don’t have to look for anyone on your own.

It is very convenient to work, and the system developed by the organization is understandable on an intuitive level, so no problems should arise. In addition, it is necessary to carry out work on advising clients. This means that any employee should know all the information about the bank's existing products. Accordingly, the operator will need to answer questions and be able to navigate financial nuances.

At the same time, the call center operator must behave with restraint, and even if there is a provocation on the part of the client, in no case start behaving aggressively. According to reviews of working in a bank, about 95% of the time the work consists in selling credit cards. This is not surprising, because it is these products that are the main ones for this organization.

How much can you earn?

When working from home with a flexible schedule, wages will directly depend on the volume of products sold. This means that the employee must not only just call and talk about new credit cards, but also motivate customers toacquire. Payment is made only for completed transactions. Thus, we can say that the salary of an employee is a percentage of sales. The more transactions you can make, the more income you will get.

It will be useful if the employee has the appropriate marketing skills. In all other respects, there are both pluses and minuses in this organization. Some people are simply not capable of active sales, or they are waiting for another job.

If we consider the feedback on the work of a representative of Tinkoff Bank, then in this case we are talking about visiting customers at home in order to conclude an agreement. The work pays higher, but there are almost no such vacancies from this financial institution.

Features of work in Alfa-Bank

This financial organization appeared in the early 90s. During this time, the bank had ups and downs. However, at present it is one of the most reliable financial institutions in the Russian Federation, which provides a full range of services to its clients. Alfa-Bank serves a huge number of both individuals and legal entities. Each city has a large number of offices, each of which may require employees. Therefore, it is worth considering the opinions of netizens.

According to reviews of work at Alfa-Bank, first of all, of course, the logistics directors and people holding other managerial positions receive the highest wages.

Nevertheless, operators are provided with quite favorable conditions. Many note that Alfa-Bank has a very high rating not only in Russia but also abroad. That is why, in relation to both customers and employees, this financial institution adheres to the law and fulfills its obligations.

As a rule, there are more vacancies for the position of a teller who will work in the office. In this case, you can count on comfortable conditions and a good salary.

You can find a lot of useful information in the reviews about working at Alfa-Bank. For example, if a specialist copes with his duties, then he has excellent prospects for career growth. Many of today's managers started very recently in the lowest positions. Therefore, most of the people leave positive reviews. Undoubtedly, bad things happen. But no one is immune from this.

"OTP Bank" and features of work in it

This is one of the many financial institutions with a large number of vacancies. Moreover, according to reviews about working at OTP Bank, you can get a job both in the office and on the trading floor. In the second case, as a rule, wages depend solely on active sales. When working in an office, you can count on a stable salary and bonuses. In this regard, it all depends on the preferences of the applicant. When working on trading floors, you can constantly move around the city, and if you choose the second option, then in this case, the activity will becarried out always in the same place.

Also, according to reviews about working in a bank in OTP Bank, it is quite easy to move up the career ladder, as the organization lacks senior specialists. Based on this, it is easy to conclude that there is a huge growth prospect for novice employees. Some complain about the periodic need for processing. However, this practice exists in many other financial institutions.

If necessary, an employee can be assessed, after which he can count on a higher position as soon as an appropriate vacancy appears. Each young operator has a separate curator who helps him and further directs him to higher positions. This bank is quite loyal to students who have recently graduated from higher educational institutions. Therefore, they should try their hand at this organization. For example, at first you can work on trading floors, and when the necessary experience appears, go to the office.

Vostochny Bank

This financial institution also appeared a very long time ago. It is not so widely known to the public, since the main branch was opened in Blagoveshchensk. However, this is a fairly promising institution in which you can build a good career.

According to reviews of work at Vostochny Bank, the company mainly requires banking agents. Applicants expect official employment, a salary of 15,000 rubles, a paid tablet and phone. Responsibilities of an agentincludes the issuance of bank cards. At the same time, the applicant is waiting for a free work schedule. This means that the employee independently plans his day. This allows, if necessary, to combine activities in the bank with the main work.

If we talk about how much an agent can receive, then for issuing one card he is charged 600 rubles. However, if he gives out more than 8 pieces, then for each he receives 800 rubles. Of course, it is not always possible to find many clients, but in the reviews, employees say that they rarely got less than 20,000 rubles.

Features of working in Moscow banks

First of all, it is worth saying that it is quite easy to get such a job in the capital. If you're lucky, then according to reviews about working in banks in Moscow, you can count on higher salaries. This is not surprising, because the salary depends on the specific region. Therefore, in large cities always pay more. Also in the capital, a novice specialist has much more prospects.

If we talk about the readiness of banks to accept new employees, then, of course, preference is given to those applicants who already have experience in this area. But students can also get the opportunity to first do an internship, and then get a full-time job in a financial institution.

Also, in their reviews of working in Moscow banks, employees of such institutions often indicate that you can get a job with a residence permit in another region. At the same time, the employee receives a full social package and is officially employed. The applicant always has a choice among numerousorganizations in need of new staff. Such a shortage of employees is explained by the fact that there are many more bank branches in the capital. Their number is only growing. Therefore, every day there are more and more new vacancies.

It is not necessary to get a job in a little-known bank. There are many vacancies in VTB, Sberbank and many other financial institutions. If the applicant has a specialized education, then he can immediately count on a fairly large salary.

Of course, more preference is given to those who studied in the banking sector. Such graduates have much more choice and have a chance to immediately take a higher position. There are also vacancies for accountants.

If we talk about the standard skills that a new employee should have, then banks today most of all require people who are at least superficially familiar with "1C Accounting". However, if the applicant does not have the necessary skills, but shows himself as an active and purposeful person, then he will be taught everything directly during his work.

On the Web you can find a large number of reviews about working as an operator in Moscow banks. Thanks to this, you can choose an organization with the best reputation and conditions. However, you can look for other vacancies. For example, the capital's banks lack programmers, system analysts, administrators, and many others. Also, if you have a higher education in the financial sector, there are prospects for taking the position of head of the regional department. In addition, you can getwork as a full-time engineer, lead manager, head of the analytical department.

The doors of many banks are open for typesetters, designers, web development specialists. Since today there is a global computerization, financial institutions are desperately short of specialists in this area. We need developers of mobile applications, programs and more.

In closing

Thus, we can say that work in the banking sector is quite a promising direction. Of course, such activities have their pluses and minuses, but in the world, perhaps, there is not a single company where absolutely all employees would be pretty absolutely everything. Therefore, choosing one or another vacancy, you should rely primarily on your impressions. Do not thoughtlessly conclude an employment contract. First you need to talk to a representative of the bank. Don't be afraid to ask questions about future responsibilities and pay. These are perfectly normal questions that any applicant has the right to ask.