Mobile agent of Vostochny Bank - work as an agent with a free schedule for issuing credit cards using a smartphone or tablet with Internet access
Do you want to work in a bank? Vostochny Bank offers work as a bank agent with the possibility of official employment. You can earn from 15 thousand rubles from 20 thousand rubles per month using your smartphone or tablet, issuing Eastern Bank credit cards. The work schedule is free - you plan your own working day.
It is worth noting that the bank does not mind if you combine your work as a mobile agent for Vostochny Bank with work in other organizations.
How much can you earn as an agent of Vostochny Bank?
Working as an agent at Eastern Bank will bring you a stable monthly income with little effort.
Bank Vostochny pays a mobile agent from 600 rubles per issued card. But if you issue 8 or more cards per day, you will receive 800 rubles per card.
According to reviews from those who already work as a mobile agent for Vostochny Bank, the average salary is 20 thousand rubles per month. Basically, this type of work is chosen by students and young mothers, since it is important for them to have a free schedule, as well as those who have free time at their main job.
If you regularly work as a mobile agent for Vostochny Bank, your monthly earnings reach 50 thousand rubles.
How to get started?
- 1. Register on .
- 2. Sign a cooperation agreement.
- 3. Install the mobile application, undergo training and testing in it.
- 4. Pick up your plastic cards at a bank branch and start looking for clients.
How to work with a client?
- 1. Make an appointment with the client.
- 2. Take credit cards and a comprehensive banking service agreement (CBA) with you.
- 3. Select the most optimal product for the client.
- 4. Obtain consent from the client to process personal data.
- 5. Register an application for issuing a card to the client in the bank application.
- 6. In the application you will receive approval of your application.
- 7. Sign a comprehensive banking service agreement with the client, obtain an electronic signature, photograph the client’s passport and the client himself with the issued card.
- 8. Once a week, submit the originals of the executed documents to the bank.
The list of credit cards you will work with and the bank’s conditions are presented in the presentation:
Agent requirements
- Age from 21 years;
- Communication skills;
- Neat appearance;
- Grammatically correct speech;
- In the region in which Vostochny Bank's mobile agent plans to work, there must be at least one branch of this bank.
Become a mobile agent of Vostochny Bank
To become a mobile agent of Vostochny Bank and start working, you need to register with the bank; to do this, fill out an application on the bank’s official website.
To become a credit or mortgage broker, you need to learn how to assess the creditworthiness of clients, study the conditions of lenders in the region of work, organize the flow of clients and find a place to meet with clients. In the article we will briefly go through each point and provide links for detailed study.
A credit (or mortgage) broker is an intermediary between banks and borrowers. It helps the borrower get a loan if banks refuse. The broker does not lend money from his own pocket. He advises borrowers and selects lenders for them. He is paid money to check creditworthiness, provide advice, and assist in obtaining a loan.
Learn to assess creditworthiness
A credit assessment helps a broker match a client with the right lender and loan product. For example, a client with no lending experience approaches a mortgage broker. The client needs a mortgage, but the banks refuse. A broker will help you build a credit history so that any bank will approve a mortgage.
Another example: a client approaches a broker with late payments on a loan. I urgently need a loan, but they refuse everywhere. The broker finds a credit cooperative that is willing to provide a loan secured by the apartment. The client closes the overdue payments, his credit history improves, and he can get a loan.
To learn how to assess creditworthiness, articles, videos, courses and your own experience will help.
The broker also needs credit assessment tools: credit history, credit rating, scoring and others -.
Research lenders in your region of operation
To select a suitable lender for a borrower, you need to know the loan products and the “entry threshold” of different banks, microfinance organizations and credit unions. For example, an individual entrepreneur approaches a broker: he needs money to develop his business. The broker knows that Zoloto Bank does not lend to small businesses at all, Serebre lends against real estate, and Olov allows you to get a loan without collateral. If the individual entrepreneur has collateral, the broker will send it to Serebro; if there is no collateral, he will send it to Olovo.
For convenience, brokers create a table with credit institutions in the city. In this table they record credit institutions, loan products, interest rates and requirements for borrowers. We recommend updating this table at least once a quarter, because lending conditions and interest rates change frequently.
Fragment of a table with credit institutions
Organize the flow of clients
Typically, brokers use three tools to attract clients: online, outdoor advertising and word of mouth. The last tool is activated over time - when you have many satisfied clients who recommend the broker to their friends. Practice shows that 3-4 months of active work are enough for clients to start returning on their own, bringing acquaintances, colleagues and friends.
Online you can go in two ways: create a platform for collecting visitors and set up advertising traffic, or buy ready-made applications. A classic example of a site and traffic: website + contextual advertising. If you type “help in obtaining a loan” into Yandex, you will see advertisements for credit brokers in advertising spaces.
Contextual advertising of credit brokers Outdoor advertising: billboards, announcements at bus stops, leaflets, etc. Compared to online advertising, outdoor advertising is more expensive. You need to develop a layout and print it. For example, broker from Yekaterinburg Pavel Babushkin. Outdoor advertising is also riskier: to test its effectiveness, you need to print a whole batch. Online testing is much cheaper. We recommend that novice brokers start with online advertising, and when a stable flow of clients from the Internet appears, connect offline channels.
Word of mouth- a nice bonus for brokers who do their job well. Recommendations lead to loyal clients, and you don’t have to pay to attract them. To encourage referrals, some brokers offer cash bonuses to clients. For example, broker Ibrahim Badalov, from whom the client came.
Find a place to meet clients
You don’t have to rent an entire office to receive clients. You can rent a workplace in a coworking space, and with advanced clients you can even limit yourself to “meetings” on the Internet: email, instant messengers, Skype calls. For example, Moscow broker Alexander Dmitrishin, and the already mentioned Pavel Babushkin.
But if you still decide to rent an office, it is better to be closer to the city center, at the intersection of transport routes. If rent in the center is not affordable, options near the metro or large public transport hubs are suitable. The office should be located in a decent building so as not to scare off visitors. The main rule is transport accessibility from all areas of the city. Otherwise you will lose some clients.
Anyone can become a banking agent. You don't need to have the appropriate education to do this. The main thing is to be a competent person and have a desire to understand the services that the bank provides to the population. You will be provided with training for this. In some credit institutions, agents are assigned an employee whom they can always contact. Having such a mentor makes your work much easier, because you can call him during business hours and clarify some point.
To receive an agency fee from the bank, you don’t have to look for clients on the side. Perhaps your relatives, acquaintances or friends will be interested in the products of a credit institution. If interest in obtaining a loan or debit card from a certain bank appeared after your consultation, the person applies there based on your recommendation. You can also provide your bank with the contacts of a person who is ready to agree to receive services after a conversation with you.
Bank employees will contact him and conclude an agreement. And you will receive an agreed percentage for the transaction or a fixed amount of remuneration.
You can offer bank services not only to your own people. If you look for clients online, you are likely to earn more income than by consulting with your family and your social circle. In addition, you can combine the work of a bank agent with your main activity. If you work with a specific base of individuals, you can attract someone from it. Just remember, this is not necessary during working hours and only with those with whom you have established informal, almost friendly relations.
Remember that engaging in personal business while working is officially prohibited in many companies, as is using client databases for purposes other than work.
Advantages and pitfalls
Working as a banking agent has both advantages and... Among the first, it should be noted a free schedule, independent drawing up of a work plan. The downside is the lack of a guarantee of results. The fact is that the essence of an agent’s job is to attract clients. People may apply to a bank based on your recommendation for a loan, but not receive approval from an inspector. It turns out that you did your part of the work, but did not receive a reward, because it is paid only for new clients.
Are you a student, a young professional, work in sales, or just want to improve your financial situation? Working as a credit agent allows you to earn additional income with minimal obligations.About the opportunities it offers its agentsOJSC CB "AGROPROMKREDIT", Pavel Ilyin, Deputy Chairman of the Bank’s Management Board, told readers of Occupying.ru.
Occupy.ru: Pavel, nowadays many large companies attract third-party organizations and even clients to sell their services. What is this connected with?
Pavel Ilyin: An important component of this kind of interaction is mutually beneficial cooperation. For a bank, this is, first of all, an additional sales channel; for an agent, it is an opportunity to receive additional income without interrupting their main activities and financial investments.
How to become a credit agent of Agropromcredit Bank?
The procedure is very simple. To do this, you need to conclude an agency agreement to attract clients. It specifies working conditions, responsibilities, amount and payment procedure. Next you need to undergo training.
To support and support the work, the bank provides the agent with a personal curator - a sales department manager. He trains the future agent and transfers the materials that will be needed for the job. The manager also keeps records of all the agent’s clients.
What are the responsibilities of a loan agent? Does he have personal sales plans?
Since the agent is not an employee of the bank, he does not have established sales plans. The result depends only on the desire to earn money.
Anyone interested in cooperation must fill out a form on the bank’s website www.apkbank.ru, indicating contact information.
Can working as a credit agent bring serious income?
An agent's earnings depend on the effort he puts in. The remuneration amount is a fixed rate and depends on the type of loan product. The agent will receive 250 rubles for a issued credit card, 500 rubles for a consumer loan, 1,000 rubles for a car loan, and a loan secured by real estate will bring him 2,000 rubles. The loan agent receives remuneration only for the loan actually issued by the bank.
It can be very difficult for people not involved in this field to understand banking products. And the loan agent must understand the offers as well as a bank employee. How do you structure your agent training system?
The training is carried out on the same day as the signing of the contract with the agent. The sales department manager tells him about products, services, the bank's requirements for clients, documents and gives him everything necessary for work: presentation materials, leaflets and other products. In the future, the bank specialist advises the agent on all issues of interest and explains changes in products. Repeated training takes place when changes are made to lending conditions, tariff plans, or the launch of new credit products. Training takes place individually or in a group.
Pavel, what requirements do you place on potential lending agents?
There are no age restrictions for working as a loan agent. It can be either a student or a pensioner. Citizenship and place of registration do not matter. The main thing is the desire to work and achieve your goal.
Have you somehow identified a circle of legal entities that are interesting to you for promoting products, or are you ready to cooperate with companies in any field of activity?
We are ready to cooperate with all legal entities, regardless of their field of activity.
Does Agropromcredit Bank have preferential lending or service conditions for credit agents of your bank?
Hi all! In conditions of unstable economic conditions and periodic crises, financial institutions have long preferred to use progressive methods of attracting a client base.
One of these methods is an affiliate program, from which any adult citizen of the country can earn money. And today we will talk about how to become a bank partner in the field of lending.
An agent who has entered into a partnership agreement with a financial institution is a link between individuals - potential clients of the bank and, directly, the bank itself. Any similar program is aimed at attracting new clients, and thereby increasing the volume of paid services.
Previously, each bank had specialists with fixed salaries for such purposes. Today, with the advent of freelance agents, the number of such positions has decreased significantly.
A freelance partner receives compensation exclusively for productive actions - namely for each client attracted. Thus, the agent receives piecework wages, which is more profitable for the bank.
As a rule, active Internet users with extensive social connections, or simply people with good communication skills, become partners of a banking institution.
What is needed to conclude a contract
You can become a bank partner and earn money both offline and online.
Offline mode, also known as active earnings, provides:
- Written submission of an application to the bank.
- Passing a security check.
- Concluding a contract in paper format.
- Opening a bank account for transferring profits.
This method implies that you will personally or remotely find potential clients, set them up to order credit services and bring them “by the hand” to a financial institution.
Needless to say, this method requires special negotiation skills and convincing of the need to purchase financial products.
Lighter and more passive online partnership. Its essence is as follows:
- You choose a suitable bank with optimal terms of cooperation for you.
- Register on its official website, or in the system of banking affiliate programs - special aggregators (for example Admitad). You sign an agreement.
- Place an affiliate link/banner on your website/social network page/comments on forums and blogs, etc.
- Interested people follow your link/banner to the bank’s website, purchase any product - a loan, debit or pension card, mortgage, deposit, open a current account, etc.
- For each registration of a banking product by a client attracted by your link, you receive a commission, the amount of which is indicated in advance in your personal account or in the concluded agreement.
The majority of large banks do not publish affiliate programs on their websites and work exclusively through intermediary online aggregators. The most popular of them:
- Admitad . Tinkoff, Home Credit and Antalbank work with him.
- CityAds. Institutions such as Renaissance Credit, Home Credit, MFO "Home Money", CitiBank, Rosgosstrakhbank, Russian Standard, Tinkoff cooperate with the service. The aggregator has a wide selection of tools and detailed statistics.
- AD1 . Offers favorable terms for the sale of banking products from Tinkoff Bank and Home Credit Bank.
- Leads. su . Here are banks that enter into agreements only with owners of sites with credit traffic: Renaissance, Sovcombank, Tinkoff, Bank of Moscow.
Agency programs of popular banks
Among the banking institutions that work directly with agents, I will highlight the following.
Bank Vostochny
The bank offers cooperation to individuals, legal entities and entrepreneurs. To become a partner, go to vostbank.ru/legal/bank-service/agents and fill out the proposed application form:
- Contact number.
- Email.
- Service city.
Further algorithm:
- The bank enters into an agency agreement with you.
- You offer potential clients to open an account with Vostochny Bank.
- The bank conducts negotiations and helps collect documents.
- You receive a reward for each client you refer.
Link vostbank . ru / client / agents Vostochny Bank also offers to become its bank, issuing bank cards. Declared income – from 20 thousand rubles with employment from 1 hour per day.
But the total amount, of course, will depend on your activity.
By choosing this option, you need to go through several steps:
- Fill out on the website registration form, indicating your full name, date of birth, place of registration, passport details and TIN, education, city, information about your last place of work and family members. Confirm your phone number.
- Wait for the “Approved” status in your personal account.
- Install the free application on your smartphone.
- Get to work.
Uralsib Bank
The institution invites agents to cooperate on its page at uralsib.ru/business/sotrudnichestvo/login.
To take advantage of the bank's offer, you need to:
- Fill out the proposed application form: full name, contact phone number, email. post office, field of activity, region.
- Conclude an agency agreement: to do this, a bank employee will contact you at the specified telephone number.
- Get agent code.
- Submit an application from an attracted client.
- Receive a commission.
Opening
The bank enters into agency agreements with individuals. To initiate cooperation, the future partner opens a special card account at Otkrytie bank, indicating it in the contract.
You will need it to transfer commission payments.
Rewards are provided for each current account opened by a new client.
To become a partner, you need to go to the address services.openbank.ru/ru/partner and fill out the proposed application form, including: it is enough to provide contacts of potential clients - all other concerns about opening an account are taken over by the bank.
To leave a request, you need to go to the page at rosbank.ru/malomu-biznesu/agentam and indicate in the form your contact phone number and name. After 15 minutes, a bank employee should call you back to clarify all the details.
Bank Zenit
On the page of its official website zenit.ru/business/agency Zenit invites those wishing to become agents to fill out an application with the following information:
- City.
- Contact phone number for communication.
- Email.
Here you can also view the documents presented in PDF format:
- Remuneration tariffs.
- Rules for working with agents.
- Application forms.
The indicated tariff rates are valid from June 17, 2019 and are:
- 2500 rubles for each client when concluding 1-4 contracts per month (for Moscow).
- 2000 for each new client when concluding 1-4 contracts per month (for regions of the Russian Federation).
- 3500-2500 for each client when concluding 5-29 contracts monthly (for Moscow/regions, respectively).
- 5000-3500 rubles for each new client when concluding 30 or more contracts monthly (for Moscow/regions).
