Savings Agent
ちょちくかんゆういん
Industry & Occupation
Classification
- Major : Sales and Marketing Occupations
- Middle : Sales Representative Occupations
- Minor : Financial and Insurance Sales Representatives
Summary
Sales position involving new contracts for deposit products (ordinary deposits, fixed deposits, cumulative deposits, etc.) and ongoing proposals to existing customers.
Description
Savings agents work at financial institutions such as banks and credit unions, proposing and selling deposit products such as ordinary deposits, fixed deposits, and cumulative deposits to customers. They handle customer prospecting for new clients to follow-up with existing customers, assess fund management needs, and propose optimal plans. They clearly explain product details, interest rates, fees, etc., and support deposit or contract procedures. They also handle promotional campaigns and activities toward meeting quotas, with building trust-based relationships with customers being important.
Future Outlook
Due to the prolonged low-interest-rate environment and the普及 of online applications, traditional face-to-face deposit promotion is on a declining trend. On the other hand, shifts are occurring toward sales using digital tools and high-touch proposal sales. As financial institutions pursue efficiency through staff reductions and RPA implementation, the value of personnel equipped with digital skills and consulting abilities increases.
Personality Traits
Customer-Oriented / Enjoys Communicating / Honest / Patient
Work Style
Career Path
Savings Agent → Senior Savings Agent → Sales Leader → Branch Manager → Sales Headquarters Staff
Required Skills
Basic PC Operation / Closing / Financial Product Knowledge / Listening Skills / Presentation
Recommended Skills
Bookkeeping (Basic) / CRM Tool Operation / Language Proficiency / Marketing
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Attention to Detail & Accuracy | Because accurate explanations of interest rates and contract conditions are required. |
| Communication Skills | Essential for building trust with customers and needs assessment. |
| Stress Tolerance | Due to high pressure from sales quotas and customer service. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Physical Stamina & Endurance | Mainly desk work and meetings, so physical demands are relatively low. |
Aliases
- Deposit Agent
Related Jobs
- Insurance Sales Representative
- Loan Sales Representative
- Securities Sales Representative