Tinkoff Bank differs from other lenders in the absence of branches. Russia's first online bank attracts young and ambitious employees who do not mind trying their hand at banking. Reviews of work at Tinkoff Bank will allow us to consider the attractiveness of the employer for potential employees of the company. About this article.
Work as a home operator in Tinkoff
One of the most sought after vacancies at Tinkoff is teleworking at home. There are several directions for potential employees:
sales
transaction support;
counseling;
customer retention.
The most popular channel is active sales of the products of the organization under study. According to job reviews, work at home at Tinkoff Bank, especially sales, is well paid. The average salary of sales managers who work without leaving home is 46 thousand rubles.
Employment Features
The client can choose one of the directions and respond to the vacancy, leaving his profile on the site or in specialized sources. According to reviews of work at Tinkoff Bank, specialists from the human resources department respond to vacancies related to product promotion within 24 hours. Applicants to other areas, such as a representative, will have to wait 3-5 days until they are contacted.
After the project managers contacted the future employee, he is informed about the features of working at home. The requirements are quite simple: a quiet place, the presence of a PC or laptop, stable Internet with high speed, a headset for communicating with customers. According to the terms of the company, Tinkoff subscribers should not be aware that an employee is calling them from their own home or another place that is not like a bank office.
No dress code, meetings and travel costs: the manager himself chooses a convenient schedule and the number of hours of work per day. Future specialists will find out about this even before employment.
Before becoming a member of the team and working in a comfortable, homely environment, applicants must undergo an interview and training. According to reviews of work at Tinkoff Bank, tuition is paid after employment. Those who did not want to become a manager at home do not need to pay for knowledge after leaving the group of students.
The interview includes the basics of the profession, training in active sales skills over the phone and familiarity with the main products. According to feedback from employees about working at Tinkoff Bank, it is impossible to find out everything about a future vacancy within 5 days. Therefore, not all applicants reach the last stage of training, where it is necessary to undergo testing and make a test call.
If the future employee soon manages to prove himself successfully, within a year he can count on promotion to the head or mentor.
The disadvantages of working at home in Tinkoff
Not everyone likes working as a manager in a home environment. Despite the apparent advantages, former managers describe the disadvantages of working at home at Tinkoff Bank:
Conclusion of GPC instead of an employment contract. Employment under a civil law contract is not very beneficial for employees, since the employer may at any time refuse to renew the contract with the employee. Contributions to the FIU and tax are deductible, but the employee cannot count on paid sick leave and leave, including maternity leave.
Meetings online only. Often, novice employees want to receive recommendations and advice personally, but consultations after the device are possible only via Skype.
Many people are mistrustful of the GPC agreement. This is easy to explain: according to the Tinkoff company’s terms, the contract is renegotiated once a month. This means that the result must be shown regularly, without long downtimes and failures.
According to reviews of work at Tinkoff Bank, not all home managers are consistently fulfilling sales plans. This affects their effectiveness, wages and creates a staff turnover.
Your own boss: the benefits of working outside the office
Almost everyone who has to go to work in the morning, at least once in his life, dreamed of trying himself at work at home. Many Tinkoff Bank employees have been successfully doing this for many years.
What are the advantages of those who work outside the office in the Tinkoff group:
Free schedule. There is the possibility of partial or full employment. The daily routine also depends on the employee.
High income. According to reviews, the salary of working from home at Tinkoff Bank is decent. Managers who implement plans receive 30 thousand rubles or more.
Official device. The conclusion of the GPC agreement is a sign that the company is serious about employees and provides certain labor guarantees.
Remuneration without delay. Call center managers at home get paid on time.
Benefits for employees. You can get a loan or a card with a bank limit at a minimum percentage. Wages are paid to the Tinkoff debit card, which is also provided to employees at a special rate.
Ability to change direction. If you are tired of working in sales, there is an option to try yourself in the mortgage department or escorting Tinkoff bank customers.
According to reviews, 8 out of 10 jobseekers who became home workers are satisfied with the conditions. Complaints on the Web are mainly left by those who have not been able to prove themselves in sales or cannot competently speak on the phone. Compliance with scripts developed and provided to employees at home by Tinkoff is an important condition for quality work.
Therefore, before trying yourself in the role of a manager or representative, it is recommended to undergo training and strive for development. Reviews of real people about working at Tinkoff Bank, who have achieved success and become managers after a year, confirm this.
Couriers: features of work
Many customers are aware that Tinkoff Bank provides services only online and does not have branches. Therefore, the delivery of banking products, namely credit cards and debit cards, is carried out by the Tinkoff courier.
What is the responsibility of the Tinkoff courier:
receive a package for a customer;
inform the recipient of the visit and make an appointment;
to deliver the card without delay and only to its owner;
take the documents of receipt.
According to reviews, working as a courier at Tinkoff Bank is one of the easiest directions. It does not require sales skills. Payment for couriers is therefore low. On average, Tinkoff employees receive from 15 to 25 thousand rubles. They are compensated for travel, discounts on bank products.
However, the main focus of work in the banking business is associated with the profit of a commercial organization. Therefore, lately couriers who only deliver correspondence are not required by the bank. Jobs couriers on the Web almost never occur, unlike the other, a popular type of earnings - a sales representative of Tinkoff Bank.
Sales representative "Tinkoff": the essence of the work, conditions
Work will appeal to those who love the traveling nature of work. It is somewhat reminiscent of a courier service, but includes the need to sell products. Representatives of work at Tinkoff Bank are very common, as there is a staff turnover in this area.
What is the meaning of the work? The duties of a bank employee include delivering products to Tinkoff customers and connecting additional services. What sales representatives sell:
online services and additional services to Tinkoff cards;
insurance: oneself, relatives, funds in accounts, property;
funded pension programs.
The opinion of employees about the position
Feedback from employees about working as a representative at Tinkoff Bank is not always positive. Since these specialists are required to fulfill the targets, not everyone manages to show the seller’s skills. Failures in the implementation of plans are reflected at the level of wages. Hence the negative that disgruntled employees pour in their bad reviews.
But not everything is as bad as some representatives describe. Despite the crises, Tinkoff’s wages are never delayed. This is already a sign of a good employer. In addition, representatives receive travel reimbursement. Therefore, they can expect a salary taking into account the cost of transport.
The feedback on the work at Tinkoff Bank as a representative confirms the need to meet the planned targets. But this creates healthy competition and develops the market.
Remuneration corresponds to the work performed. The best representatives receive 50 thousand rubles or more. Moreover, the number of visits to customers is limited: no more than 11 applications per day. But in the presence of traffic jams it is not always possible to carry out such a plan. Therefore, representatives often delay visits to customers, which causes dissatisfaction. This is one of the minuses of the vacancy.
But compared with the reviews about working as a manager at Tinkoff Bank, a representative office is one of the best options for stable earnings. On average, an employee with work experience of 3 months or more receives at least 45 thousand rubles. Plus compensation for travel and benefits from the bank. Departures are not to everyone's liking, but this nature of work accustoms responsibility and punctuality.
How to get a job?
Even those who do not have any work experience or sales skills can become a representative of Tinkoff Bank. Applicants are subject to the minimum requirements:
Education is optional, but a personal vehicle is welcome. The car will help the representative almost never be late for meetings, which is very attractive to the bank's customers. Gas expenses are reimbursed at the end of the month. But even without a car, the applicant has every chance of becoming a representative.
Most reviews of work at Tinkoff Bank come from Moscow and the surrounding regions. In the metropolitan region and other major cities, the most developed network of representative offices of this network. But this does not mean that employees from villages and other settlements are not able to get a position.
It is recommended to clarify the possibility of working at the place of residence at an interview. Before becoming a representative in Tinkoff, all applicants pass it. The interview is conducted in person or via Skype.
After an interview with future employees, a curator or mentor is involved. It helps to learn the basics of work, understand the requirements and identify the degree of willingness of candidates. The best of those who studied, become representatives of the Tinkoff Bank. Immediately after selection, a contract is concluded.
Salary of Tinkoff Bank Representatives
One of the negative aspects in the work of the bank representative is the size of the salary of employees. Those who fulfill the planned targets receive their 40-50 thousand rubles a month. But the conditions and nature of the work are such that not everyone can achieve the desired heights.
Representatives who did not show the required results (8-11 meetings a day with subsequent sales of banking products), the authorities are strict. Of course, according to the results of one unsuccessful month, no one will be fired, but systematic failure to fulfill the terms of the contract can lead to loss of work.
A warning is received by representatives whose indicators are below 70% of the plan based on the results of 3 months of work or more. They are content with a modest wage of 23-25 thousand rubles. About such a salary, the reviews of Tinkoff bank employees have appeared on the Web more than once.
Of the positive aspects, representatives note the presence of bonuses. If the employee has proved himself worthy, she will not be fined. But for violators or irresponsible employees, management can apply penalties up to 100% of the deprivation of premiums for the month.
Office work at Tinkoff
Not all online bank vacancies are in such demand as work in the call centers of Tinkoff offices. Since the company does not have branches in which employees serve customers, managers and call center operators are constantly required in closed offices.
In Moscow call centers, the feedback from employees about working at Tinkoff Bank is positive. The employer offers attractive working conditions:
device under a GPC or TK contract;
VHI, employee benefits;
comfortable rooms in the city;
free tea, coffee, milk;
understandable conditions and requirements.
The employer is known for its transparent business conduct. Specialists receive income on cards. According to the reviews of employees about the work and salary of Tinkoff Bank, it can be concluded that the employer never delays payments.
Of the other bonuses - the presence in the office of a fitness room with free training and convenient parking in a closed area.
Many Russians dream of a stable, well-paid job in comfortable conditions. When striving to earn and fulfill the requirements of the bank, the Tinkoff team members not only receive decent earnings, but also grow up the career ladder.
Information about the vacancy in the offices of Tinkoff
There are several areas that applicants in the banking business can choose together with Tinkoff.
Sales. Those who know how to follow work scripts and have experience in call centers will feel comfortable in this area. Planned indicators stimulate development and healthy competition.
IT technology. The development of the country's largest online bank cannot be imagined without the progressive influence of modern, mobile applications and services. Development, improvement and approximation to banking topics and clients are the main goals of the specialists of the high technology department.
Data protection and security. One of the priorities is the direction of Application Security, or the protection of Internet and mobile applications of the bank.
Marketing. Development of effective advertising of the bank and its products, creation of presentations for meetings with customers.
Analytics. Control over the quality of the processes and work of the bank is the main task of system analysts. One of the most sought after Tinkoff jobs in 2019.
Risk management. Banking is always associated with financial losses, which Tinkoff risk manager should reduce or predict.
The full list of vacancies is on the Tinkoff website. Having chosen the desired city, the applicant can choose a job to his liking in the capital, large city or village.
Work in the bank office: reviews, features
More than 1/3 of applicants who are interested in the company under study are looking for information about such employment. The feedback on the work at the Tinkoff Bank office is mostly positive. Employees note working conditions, friendly staff and bonuses from the company.
But there are also negative points, one of which is the size of wages. If IT specialists, developers, it depends on professional skills, then sales managers have to regularly fulfill plans. The average income from call center managers is 38 thousand rubles.
Employees with a fixed salary do not receive less than 47 thousand rubles. There are vacancies in which at the start workers are paid 70 thousand rubles or more.
The opinions of Tinkoff Bank employees about their work agree on one thing: without the desire and desire to develop, building a career will be difficult. But if a person tries to work for the result, takes responsibility for work and complies with the requirements, after 1-1.5 years he becomes the team leader or mentor.