What is the position of PL at Standard Chartered Bank?

PL (personal loan) is a specialized personal unsecured consumer loan. It is mainly aimed at short-term unsecured loans for some people nowadays, such as traveling, studying, buying and renovating a house, etc. The main application conditions are to see whether the individual's work unit is stable, whether the income is stable and reliable, and whether the person has the ability to repay. Generally speaking, the amount of the loan obtained through this method is not very high (generally it is a certain multiple of the income certificate provided, and the specific multiple is divided according to the work unit), and the term is not very long. Some good units, such as airlines, central enterprises, civil servants, etc., have a relatively high application success rate and a relatively high amount. On the contrary, the success rate of general private units is relatively low. The current Standard Chartered PL conditions are - monthly income of more than 3k and working in the same unit for half a year (subject to the bank statement provided by the applicant).

The position you mentioned was recently separated. The previous PFC was required to complete PL tasks. However, PL has always been very strict and difficult to pass, and the completion volume is not good, so it is separated and done separately. In fact, PL is the lowest level of sales. Compared with PFC, the assessment is more simple, that is, the number of loans and the total amount.

Standard Chartered outsourcing is not much different from my own job. Anyway, the regular employees are also very annoyed: the basic salary is low, there is no year-end bonus and no dividends (that is to say, apart from your basic salary and commission, there is no other income. As for the commission, few people in our previous branches have actually seen it, and half of the tasks can be basically completed. It’s great if you don’t get kicked out. Even for top sales, if you complete 100% or a little more than 120%, the monthly commission will be less than 1,000 RMB. Of course, if you have enough resources at home, you can do it. It’s not bad to earn you a monthly income of tens of thousands of dollars). What's even more shameless is that the performance appraisal is based on the unified global score card in US dollars (the RMB business needs to be converted into an exchange rate to calculate), but the commission is directly distributed according to the corresponding figures in the table, but the unit of measurement is changed to RMB). The only advantage of Standard Chartered's regular employees compared to outsourcing is that they are 90% reimbursed for medical treatment.

It is recommended to find a better bank. Standard Chartered is indeed not a good choice. All the people we entered in the same batch have left. What’s even more ridiculous is that it’s been half a year since I left my job, and I still owe two months of social security that I haven’t paid~