It is believed that one of the largest international banks is Sberbank. In autumn 2010, it was awarded the status of a specialized joint stock company, combining investment and commercial activities. Subsidiaries work well in Turkey, Serbia, the Czech Republic, Belarus, as well as in Hungary, Switzerland and Germany.

A commercial joint stock company (Sberbank) works with individuals and legal entities, large organizations and small business participants.

More than 40 percent of ordinary Russians have deposits with Sberbank and apply for various types of credit services.

Sberbank, which has established itself as the most reliable, employs only responsible specialists who are ready to help in obtaining a loan, deposit, or issuing a card for receiving wages or a credit card. The joint-stock company is working and ready to enlighten anyone in the field of banking products.

Sberbank consultant is a specialist who answers questions of interest to customers. He has the right to give professional advice on the acquisition of banking products, assists in making the right choice.

In order to understand in more detail the job responsibilities of a Sberbank consultant specialist, it is first necessary to assess the main types of departments in which consultants work. There are three characteristic groups:

1. Social divisions
   Sberbank of this type is trusted mainly by people of retirement age, and they make up almost 99% of all customers. Older people come to the office to withdraw or deposit money, pay utility bills, receive a pension or open a savings account.
2. Flow divisions
   Such offices are located in places where there is constantly a large crowd of people (hypermarkets, entertainment centers). Here, the bank's specialists are subject to frequent rotation and are under enormous pressure due to large queues of new customers, frequent complaints and requests for help. The main activity of such divisions is the issuance of loans, the execution of foreign exchange transactions, the acceptance of applications for the issuance of cards.
3. Provincial divisions
   Such offices deploy their activities in the periphery (villages, district centers). Employee rotations do not occur often due to the rare flow of people of different social status.

Objective assessment of the profession "consultant"

The specialty "Consultant of banking products" for some may be a "start" in a career.

The basic characteristics that a candidate for this position should have:

• High intelligence. A specialist needs charisma as a tool to convince potential customers to purchase bank products.
• Psychological and physical stability. The consultant spends a lot of time "on his feet", is constantly on the move, moving around the bank branch. Stress resistance is required when the bank is visited by conflicting clients who come with complaints and statements.
• Ability to use programs such as Outlook, Microsoft Word, Internet and others.
• Higher / incomplete higher / secondary vocational / secondary education.
• Loyalty, kindness.
• Desire to move up the career ladder.
• Competent speech, logical thinking.
• Presentable appearance.

A consultant on banking products at Sberbank is obliged to:

• Know the principle of operation of ATMs and terminals, provide timely assistance to customers in matters related to the use of self-service devices. Attract customers to use ATMs and terminals.
• Negotiate with visitors, clarify their purpose of visiting the bank.
• Be able to resolve conflict situations.
• Study literature covering such issues as: “Sberbank products”, “How to improve customer service?”, “Aesthetics. Rules of conduct”, etc.
• A banking product consultant at Sberbank should be able to sell relevant bank services:

1. "Free Internet Banking" - remote customer service "Sberbank Online". It is possible to service the client's accounts without leaving home, make statements, make money transfers. The work schedule of the “Internet Bank” is around the clock, seven days a week and holidays. Convenient access to your personal account from any device (computer, mobile phone, tablet), being anywhere in the country;
2. "Free Mobile Bank" - SMS notifications about the receipt and expenditure of funds to/from the client's account;
3. "Free Autopayment" - automatic replenishment of services of any mobile operators;
4. "Free Thanks from Sberbank" - a bonus reward system when paying for goods and services with a Sberbank card in markets and the Internet;
5. "Free Bank at work" - this service involves consultations on banking products by a specialist at the client's workplace. Individual consultations of the manager and presentations are held at any convenient time. Assistance of a specialist in the preparation of documents.

Motivating factors of the consultant

What does a consultant on banking products of Sberbank depend on? Of course, from the motivation of the specialist himself.

Initially, when applying for a job in a division of Sberbank, a low salary level is expected, approximately 18–19 thousand rubles (depending on the region). The specialist monthly, in addition to the salary, receives bonuses if he has fulfilled the “plan” for the sale of banking products under the “FREE” logo. To receive additional cash in the form of a 100% bonus from wages, a specialist needs to make sales by 200 percent. This is possible subject to the competent work of the manager, as well as with the advantageous location of the Sberbank division. The most "money" point is the "Flow divisions".

It is also rewarded for each deposit made through self-service terminals. Deposits opened through a cashier-operator are considered an additional bonus to the salary.

How much this or that employee will receive depends on the city where the bank is located. Each office has an individual approach to salaries. Income in this area is not as large as we would like:

• specialists in small and medium-sized cities earn 20-25 thousand rubles;
• for workers in regional centers, the payment is 25-32 thousand rubles;
• in big cities, for example, Moscow, etc., the salary is 28-40 thousand rubles.

In a big city, a cash register employee who serves individuals receives 20-22 thousand rubles. Heads of departments receive an enrollment in the amount of sixty thousand rubles.

Average salary of some Sberbank specialists

Consider some specialists and their earnings, the data relate to workers in Moscow:

• specialists receive a salary of 28 thousand rubles;
• cashiers twenty-five thousand rubles a month;
• the cashier-operator has a salary of twenty-one thousand rubles;
• the controller-cashier is paid 19 thousand rubles a month;
• the operator has a payment of 23.5 thousand rubles;
• specialists of the second category receive 27 thousand rubles;
• salary of a credit officer forty-three thousand rubles;
• the senior cashier earns 27.5 thousand rubles;
• accountants receive twenty-eight thousand rubles;
• a customer service manager receives a salary of forty-eight thousand rubles;
• the deputy head has an income of 49 thousand rubles a month.

Recently, there has been an increase in the salaries of bank employees, due to staff reductions. Studies have been conducted that have shown that in other large banking institutions, employees cope with their duties more efficiently and receive higher wages. Having reduced the staff, the management of Sberbank increased the wages of its employees by 1.5-2 times.

Specifics of some positions

Let's take a closer look at some positions:

1. The manager of a financial institution is engaged in the implementation of financial services:
   • loans;
   • credit cards;
   • deposits;
   • insurance services;
   • remote maintenance services.

The salary of managers is on average 16-20 thousand rubles. Given the various bonuses, this figure can be forty-five thousand rubles.

1. The profession of a bank collector requires special responsibility, for which it deserves respect. His work is paid with a salary of 30-53 thousand rubles. Payment is set in the branches individually.
2. For those who are planning career growth, it will be interesting to learn about the salaries of the heads of Sberbank departments. According to unconfirmed sources, this is about 60 thousand rubles. The deputy earns 49 thousand rubles.

Top managers and heads of the security service earn from 100 thousand rubles, but this information has not been officially confirmed either.

Only truthful data are known regarding the salary of the president of Sberbank German Gref and is 950 thousand rubles a day.

Salary at Sberbank depends on a number of factors, such as position, real work experience, the region in which you live and work, etc. Let's consider each of the factors in more detail. Depending on the position, the salary can be from 15 to 1000 thousand rubles, and sometimes more.

Position held

Heads of branches and departments have the highest income. Remuneration for top managers starts at about 100,000 rubles. The salaries of the heads of departments vary in the region of 50,000-60,000. Deputies, as a rule, receive about 49,000.

The most accurate can be said about the income of the president of the Savings Bank - German Gref. According to Forbes magazine, his annual income for 2016 was $11 million (or 59 million rubles).

The salary of a collector on average ranges from 30,000 to 50,000 rubles per month. The exact amount of income will depend on the region. In Moscow, it can be 50,000, while in St. Petersburg or Yekaterinburg it is about 30,000.

The monthly income of a manager is approximately 20,000-25,000 rubles. In addition, when fulfilling or overfulfilling a given plan, bonuses are provided, in which wages can grow to 45,000-50,000.

The monthly salary of a consultant is about 15,000-18,000 rubles. A bonus of 10,000 may be added to the salary for the implementation of the plan.

Experience and work experience

Everything is simple here - young specialists receive remuneration approximately 20% less than people with a year of experience. That is, if the income of a manager who has at least one year of experience is 50,000, then a newly arrived employee will be able to receive only 40,000 rubles.

Bank location

This factor is explained by the budget of the region and the turnover of branches. If a manager in Moscow can count on an amount of about 50 thousand, then his colleague from a provincial city, such as Novosibirsk or Yekaterinburg, will receive about 30,000. If this is a regional city, then the figure decreases to 20,000-25,000. The same can be said for other positions.

It is worth noting that salaries at Sberbank are regularly increased. According to Gref's report, in 2017 the remuneration of all employees was indexed (that is, increased) by 6%. In 2018, a 5% pay increase is also expected for 90% of employees. Thus, if a consultant receives 20,000 rubles, in 2018 he can expect a salary increase to 21,000 (although, taking into account inflation, it will not change, and possibly even decrease).

Sberbank of Russia is today one of the largest transnational and universal banks in the country. In total, more than 15 thousand branches operate in Russia. Sberbank enjoys a good reputation among depositors and is popular among the population of our country.

Sberbank is the leader in terms of the volume of operations performed with individuals. The bank's net profit annually is about 300-350 billion rubles. Therefore, young specialists with an economic education tend to work at Sberbank. There is a strong opinion that it is in this bank that a purposeful executive employee can quickly build a career as a financier.

Many employees start their careers as consultants. Of course, any specialist is interested in the opportunity to earn. How much can a Sberbank consultant earn per month? What affects the size of his wages? Can a consultant count on bonuses and what determines the amount of additional payments?

Professional duties of a consultant in Sberbank

Sberbank is an actively developing financial institution. Today, almost every branch of this bank has electronic terminals that allow bank customers to quickly pay utility bills, fines, taxes, and loans. However, most users of banking services are practically not familiar with the operation of such payment systems. They need the help of qualified bank employees. Therefore, today Sberbank consultants are a sought-after profession.

An analysis of the vacancy market showed that today about 1600-1700 specialists are waiting for the position of consultant in Sberbank branches.

It is worth noting that this is a difficult, stressful job that requires a large physical and moral cost from a bank employee. The peculiarity of the work of consultants is that they have to spend most of their working time on their feet, communicating with bank customers. As a rule, there are always a lot of customers in Sberbank branches. They all want to pay their bills as soon as possible. Unfortunately, many visitors begin to get nervous and make unfounded claims to the consultant. To which the specialist should respond calmly and try to do his job quickly and efficiently, so that each client is satisfied.

The Sberbank consultant has a wide range of responsibilities.

• He must advise clients on all types of services that the bank provides to individuals.
• The consultant is obliged to provide prompt assistance to bank visitors if they experience difficulties in performing any banking operations.
• Also, the duties of an employee of Sberbank include organizing and conducting surveys, and questioning customers in order to study public opinion about the work of the bank and the use of its services.
• The consultant must actively carry out advertising and explanatory work that popularizes the various services of the bank.
• Distribute information booklets with new banking offers.

The position of a Sberbank consultant implies that a specialist has the ability to quickly prevent and resolve conflict situations, properly organize the customer service process, the desire to prevent the formation of queues and dissatisfaction on the part of users of banking services.

The consultant must be polite in dealing with visitors to Sberbank. Every specialist in the banking sector must constantly improve their professional level. This will allow him not only to do his job with high quality, but also to have information about the situation in the financial market and contribute to the prosperity of his bank.

What affects the salary of a banking consultant

The salary of a Sberbank consultant is determined by the following factors:

1. The locality in which the branch of Sberbank is located. Banking consultants working in bank branches located in large cities earn more than their counterparts - residents of provincial towns and rural settlements.
2. bank customer flow. If the flow of users of banking services is large, then the consultant's income will be higher.
3. Additional services provided by this branch of Sberbank. The wider the package of bank services, the greater the income of its employees.
4. The ability of a consultant to interest the client in new banking offers and sell him a product of financial services.

Thus, each Sberbank consultant has the opportunity to influence the amount of his salary. His income consists of a fixed salary and incentive payments based on the results of the planned sales of banking products.

It should be noted that the salary of this category of bank employees is not high. It averages 15-25 thousand rubles. per month.

Additional bonuses

For a job well done, a Sberbank consultant can count on additional bonuses:

• free regular corporate training;
• preferential lending terms in Sberbank branches;
• additional medical insurance, insurance against serious illnesses and accidents;
• corporate holidays and sports events;
• corporate pension plan.

Consultant salary in Moscow branches of Sberbank

Today, the need for consultants in the capital branches of Sberbank is about 130-150 open vacancies. Employers are willing to pay specialists for training clients with self-service payment devices and the ability to sell online bank products and services from 21,000 to 55,000 rubles. per month. The average salary offers are at the level of 31-36 thousand rubles.

These are rather low salaries for the Moscow region. Since, on average, in the economy, Moscow workers earn an average of 61-62 thousand rubles. per month.

How much do consultants earn in regional branches of Sberbank

The management of Sberbank is not ready to pay high salaries to consultants of the bank's regional branches. The highest incomes among this category of employees are employees of Sberbank branches St. Petersburg, Yekaterinburg, Togliatti, Kingesepp and Voronezh- 31-34 thousand rubles.

Branch consultants receive the lowest salaries Blagoveshchensk, Arzamas, Orenburg, Saratov, Magnitogorsk, Kirov, Volgograd. They earn only 16-27 thousand rubles. per month.

The average salary of bank consultants is 21-24 thousand rubles. monthly.

Pension amount

Working as a consultant is a job for a young specialist who has just received a higher economic education. Few retire from this position. But if this happens, then the Sberbank consultant can count on the minimum amount of pension provision, approximately 8-11 thousand rubles.

Often, young economists who have completed their studies seek to find a job in their specialty, for example, in Sberbank, and a natural question arises - what average salary can I expect? You will find the answer below.

About the employer

Today, Sberbank of Russia is the oldest and largest banking organization that exists in our country. It is here that most Russians prefer to apply for a loan or making a deposit, it is here that they receive wages and open plastic cards for convenient payments.

It is precisely because of this popularity that the bank has many representative offices throughout the country, there are branches in almost every locality, and in large cities there can be several dozens, and even hundreds of offices.

Of course, to serve a large number of customers, a large number of employees are also required who are able to provide assistance and provide competent advice. And it is with the consultants in the room that you will have to start your career in this organization, if you have not had any experience in financial institutions before.

What are the advantages:

• official employment,
• full social package,
• the possibility of obtaining credit products under special conditions,
• free payroll project
• great experience that you can't get anywhere else,
• career advancement,
• personal and career growth,
• corporate free training.

Some disadvantages are also worth noting, because you need to be prepared for them:

• for a beginner - quite hard work on the legs,
• a large flow of customers, which means a high workload,
• sometimes you have to linger and recycle,
• receiving a salary in the first months in a small amount.

You will find such disadvantages in almost any company that has a large flow of customers and a variety of services provided. If you want to have official employment under the Labor Code with the possibility of obtaining loans at a reduced rate, then getting a job at Sberbank will be a great idea.

How to pass an interview?

If you have a higher economic education, then work at Sberbank will be a good start for a career. There is a well-established educational process, combined with practice, which allows you to quickly get the necessary information and start working fully.

There is an opinion that it is difficult to get here because of the difficulties with passing the interview. In fact, if you have prepared for the meeting, collected documents, prepared discreet classic business-style clothes, and you have no problem expressing your own thoughts, then there is nothing difficult in passing the interview, you can read the tips.

There are a number of questions to which it is desirable to prepare your answers, here is a list of them:

• do you think the fall of the ruble is good or bad;
• describe your strengths and weaknesses in two sentences;
• how did you study at school / university, do you have a red diploma;
• your goals for life, where do you see yourself in 5 or 10 years;
• what salary do you expect;
• why did you come to Sberbank, and not to another company.

After these questions, you will be asked to take a short test, which will determine the suitability of the candidate. This mainly includes reporting in Excel, reading the balance sheet, as well as a mandatory role-playing game that will help you understand whether a person is sociable or not.

What income can you expect?

Very important for determining wages are such concepts as:

1. position held,
2. experience and actual work experience,
3. bank location, etc.

It is impossible to unequivocally answer the question of what the average salary will be in a particular city, since its level is specific to each individual unit or office. In fact, the average earnings are not as high as many would like:

• In small and medium-sized cities, it rarely exceeds 20-25 thousand rubles,
• in regional cities - about 25-32 thousand rubles,
• in cities with millions of people, such as Moscow, St. Petersburg, Yekaterinburg and others, the average salary also fluctuates between 28-40 thousand rubles.

If we consider earnings in a city such as St. Petersburg or Moscow, then it starts from 20-22 thousand rubles - this is for cashiers serving individuals. Heads of the department can count on the maximum salary of 60,000 rubles and more.

Average numbers

Consider the average earnings of bank specialists living in Moscow.

• The specialist receives approximately 28 thousand rubles;
• The cashier receives about 25 thousand rubles a month;
• Cashier - teller can count on 21 thousand;
• Controller - cashier receives about 19 thousand monthly;
• The operator earns approximately 23.5 thousand rubles;
• Category 2 specialist earns about 27 thousand rubles a month;
• The loan inspector receives about 43 thousand rubles a month;
• The senior cashier earns about 27.5 thousand rubles;
• The accountant receives about 28 thousand rubles;
• Account manager earns about 48 thousand;
• The deputy head receives about 49 thousand rubles. monthly.

Recently there was information that the bank reduced the staff and due to this increased the salary of the rest. This is due to the fact that, according to research, employees of other large banks perform much more efficiently and get more.

The management of Sberbank came to the conclusion that in 2016 the average salary of its employee was 45 thousand rubles. This is lower than the market average. For example, in Alfa-Bank, employees receive 64-66 thousand, and in UniCreditbank 86-87 thousand.