- 目錄
崗位職責(zé)是什么
金融風(fēng)險管理是金融機(jī)構(gòu)核心職能之一,它專注于識別、評估、監(jiān)控和控制金融風(fēng)險,以確保機(jī)構(gòu)的財務(wù)穩(wěn)定和業(yè)務(wù)持續(xù)性。此崗位的工作者需要具備深厚的金融知識,敏銳的風(fēng)險洞察力,以及嚴(yán)謹(jǐn)?shù)臄?shù)據(jù)分析能力。
崗位職責(zé)要求
1. 深厚的金融知識基礎(chǔ):需掌握金融市場、金融產(chǎn)品、風(fēng)險管理理論等專業(yè)知識。
2. 分析與判斷能力:能夠準(zhǔn)確評估各類風(fēng)險因素,預(yù)測潛在風(fēng)險,并做出及時有效的應(yīng)對決策。
3. 數(shù)據(jù)敏感性:擅長運(yùn)用數(shù)據(jù)分析工具,從大量數(shù)據(jù)中發(fā)現(xiàn)風(fēng)險信號。
4. 法規(guī)合規(guī)意識:熟悉相關(guān)金融法規(guī),確保業(yè)務(wù)操作符合監(jiān)管要求。
5. 溝通協(xié)作:能與各部門有效溝通,推動風(fēng)險防控措施的實施。
崗位職責(zé)描述
金融風(fēng)險管理人員主要負(fù)責(zé)監(jiān)控日常業(yè)務(wù)活動中的風(fēng)險,通過建立和維護(hù)風(fēng)險管理體系,預(yù)防和減輕可能對機(jī)構(gòu)造成損失的風(fēng)險事件。他們需要持續(xù)跟蹤市場動態(tài),評估內(nèi)外部環(huán)境變化對風(fēng)險的影響,為管理層提供風(fēng)險報告和策略建議。
有哪些內(nèi)容
1. 風(fēng)險識別與評估:識別各類金融風(fēng)險(如信用風(fēng)險、市場風(fēng)險、操作風(fēng)險等),進(jìn)行量化分析和定性評估。
2. 風(fēng)險模型構(gòu)建:開發(fā)和應(yīng)用風(fēng)險評估模型,以量化風(fēng)險暴露和潛在損失。
3. 風(fēng)險監(jiān)控與報告:定期生成風(fēng)險報告,向管理層和董事會匯報風(fēng)險狀況。
4. 內(nèi)部控制與審計:參與制定和完善內(nèi)部控制流程,配合內(nèi)部審計和外部監(jiān)管檢查。
5. 風(fēng)險策略制定:根據(jù)風(fēng)險評估結(jié)果,提出風(fēng)險緩解策略,參與決策過程。
6. 風(fēng)險文化推廣:推動風(fēng)險管理文化的建設(shè),提高全員風(fēng)險意識。
7. 法規(guī)遵從性:確保業(yè)務(wù)操作符合國內(nèi)外金融法規(guī),及時調(diào)整風(fēng)險管理策略以應(yīng)對新的監(jiān)管要求。
金融風(fēng)險崗位要求專業(yè)人士具備全面的風(fēng)險管理技能,以確保金融機(jī)構(gòu)在復(fù)雜多變的市場環(huán)境中穩(wěn)健運(yùn)營。他們的工作不僅是對風(fēng)險的控制,更是對未來的預(yù)見和防范,是金融機(jī)構(gòu)穩(wěn)健發(fā)展的守護(hù)者。
金融風(fēng)險崗位職責(zé)范文
第1篇 金融風(fēng)險總監(jiān)崗位職責(zé)
大數(shù)據(jù)金融風(fēng)險咨詢總監(jiān) 任職要求:
1、本科以上學(xué)歷,外資背景優(yōu)先
2、有大數(shù)據(jù)或者零售風(fēng)險模型經(jīng)驗優(yōu)先
3、有創(chuàng)新風(fēng)險業(yè)務(wù)場景經(jīng)驗優(yōu)先
4、踏實、上進(jìn)、有想法和干勁優(yōu)先 任職要求:
1、本科以上學(xué)歷,外資背景優(yōu)先
2、有大數(shù)據(jù)或者零售風(fēng)險模型經(jīng)驗優(yōu)先
3、有創(chuàng)新風(fēng)險業(yè)務(wù)場景經(jīng)驗優(yōu)先
4、踏實、上進(jìn)、有想法和干勁優(yōu)先
第2篇 咨詢 - 金融風(fēng)險管理崗位職責(zé)要求
職位描述:
responsibilities:
1) for the financial sector clients (mainly banks) are not limited to business transformation and solutions in the field of financial innovation, including demand planning, architecture design, implementation, management mechanism design, etc.;
2) guide consultants and consultants to complete project delivery and control project quality;
3) maintain customer relationship, e_plore potential market opportunities and implement the business negotiation process.
requirements:
1) 5 years and above international consulting institutions, internationally renowned it companies or financial industry e_perience;
2) banking transformation and business innovation related, information product design and business architecture, application architecture, data architecture planning related work e_perience is preferred;
3) master the mainstream analysis and research methods, and be able to apply it to practice, and have unique insights into emerging technologies and cutting-edge technologies;
4) have the ability to independently dominate and manage project delivery, and have a certain business market to e_ploit potential.
第3篇 金融風(fēng)險管理崗崗位職責(zé)
(1)年齡35周歲(含)以下,全日制大學(xué)本科及以上學(xué)歷,金融、統(tǒng)計學(xué)、法律等相關(guān)專業(yè)優(yōu)先。
(2)具備3年以上銀行信貸或風(fēng)險從業(yè)經(jīng)驗,或具備1年以上互聯(lián)網(wǎng)在線融資反欺詐從業(yè)經(jīng)驗。
(3)具備風(fēng)險管理相關(guān)專業(yè)知識,能熟練運(yùn)用信用風(fēng)險識別與計量的方法和工具。
(4)具有較強(qiáng)的文字表達(dá)能力、溝通能力和綜合協(xié)調(diào)能力。
第4篇 金融風(fēng)險平臺研發(fā)工程師職位描述與崗位職責(zé)任職要求
職位描述:
職位描述
負(fù)責(zé)互聯(lián)網(wǎng)金融風(fēng)險領(lǐng)域系統(tǒng)研發(fā),獨(dú)立完成中小型項目的系統(tǒng)分析、設(shè)計,并主導(dǎo)完成詳細(xì)設(shè)計和編碼任務(wù),協(xié)同團(tuán)隊作戰(zhàn),確保項目的進(jìn)度和質(zhì)量。
職位要求
1、具有扎實的java編程基礎(chǔ),熟悉常用的java開源框架;
2、有較強(qiáng)的學(xué)習(xí)能力和獨(dú)立思考能力,喜歡挑戰(zhàn),有志于拓展數(shù)據(jù)研發(fā)和算法能力,通過數(shù)據(jù)和算法建立數(shù)據(jù)驅(qū)動的風(fēng)險平臺;具有數(shù)據(jù)研發(fā)和算法研究經(jīng)驗者優(yōu)先;
3、具有基于數(shù)據(jù)庫、緩存、分布式存儲開發(fā)高性能、高可用系統(tǒng)工作經(jīng)驗者優(yōu)先;
4、具備金融風(fēng)險領(lǐng)域業(yè)務(wù)知識,對金融有強(qiáng)烈興趣者優(yōu)化。
工作地點(diǎn)
杭州、上海
第5篇 金融風(fēng)險咨詢崗位職責(zé)
大數(shù)據(jù)金融風(fēng)險咨詢總監(jiān) 任職要求:
1、本科以上學(xué)歷,外資背景優(yōu)先
2、有大數(shù)據(jù)或者零售風(fēng)險模型經(jīng)驗優(yōu)先
3、有創(chuàng)新風(fēng)險業(yè)務(wù)場景經(jīng)驗優(yōu)先
4、踏實、上進(jìn)、有想法和干勁優(yōu)先 任職要求:
1、本科以上學(xué)歷,外資背景優(yōu)先
2、有大數(shù)據(jù)或者零售風(fēng)險模型經(jīng)驗優(yōu)先
3、有創(chuàng)新風(fēng)險業(yè)務(wù)場景經(jīng)驗優(yōu)先
4、踏實、上進(jìn)、有想法和干勁優(yōu)先
第6篇 金融風(fēng)險管理崗位職責(zé)任職要求
金融風(fēng)險管理崗位職責(zé)
崗位職責(zé):
搭建汽車金融產(chǎn)品的信用風(fēng)險、欺詐風(fēng)險的風(fēng)險管理策略和模型,為portfolio的核心風(fēng)險指標(biāo)負(fù)責(zé)。建設(shè)和培養(yǎng)公司專業(yè)風(fēng)險管理人才。
崗位要求:
1、熟悉金融零售業(yè)務(wù)準(zhǔn)入授信、貸中、貸后全生命周期的風(fēng)險政策。曾負(fù)責(zé)過消費(fèi)金融產(chǎn)品portfolio的核心風(fēng)控指標(biāo)。
2、具備業(yè)務(wù)導(dǎo)向和產(chǎn)品意識,能夠結(jié)合市場環(huán)境、競品來影響金融產(chǎn)品設(shè)計和獲客,按照產(chǎn)品屬性來搭建風(fēng)控策略和模型,并預(yù)測及控制風(fēng)險。
3、熟悉風(fēng)險模型和機(jī)器學(xué)習(xí),有獨(dú)立思考,定義問題和解決問題能力。能夠根據(jù)數(shù)據(jù)說話,先知先覺。
熟悉單體經(jīng)濟(jì), p&l,風(fēng)險定價,并有實際運(yùn)用經(jīng)驗。
4、汽車金融、銀行零售業(yè)務(wù)風(fēng)險管理負(fù)責(zé)人,或者征信公司、fintech 公司風(fēng)險管理資深人才。
5、碩士以上學(xué)歷,數(shù)學(xué)、統(tǒng)計學(xué)、物理學(xué)、金融工程等理科教育背景。
崗位職責(zé):
搭建汽車金融產(chǎn)品的信用風(fēng)險、欺詐風(fēng)險的風(fēng)險管理策略和模型,為portfolio的核心風(fēng)險指標(biāo)負(fù)責(zé)。建設(shè)和培養(yǎng)公司專業(yè)風(fēng)險管理人才。
崗位要求:
1、熟悉金融零售業(yè)務(wù)準(zhǔn)入授信、貸中、貸后全生命周期的風(fēng)險政策。曾負(fù)責(zé)過消費(fèi)金融產(chǎn)品portfolio的核心風(fēng)控指標(biāo)。
2、具備業(yè)務(wù)導(dǎo)向和產(chǎn)品意識,能夠結(jié)合市場環(huán)境、競品來影響金融產(chǎn)品設(shè)計和獲客,按照產(chǎn)品屬性來搭建風(fēng)控策略和模型,并預(yù)測及控制風(fēng)險。
3、熟悉風(fēng)險模型和機(jī)器學(xué)習(xí),有獨(dú)立思考,定義問題和解決問題能力。能夠根據(jù)數(shù)據(jù)說話,先知先覺。
熟悉單體經(jīng)濟(jì), p&l,風(fēng)險定價,并有實際運(yùn)用經(jīng)驗。
4、汽車金融、銀行零售業(yè)務(wù)風(fēng)險管理負(fù)責(zé)人,或者征信公司、fintech 公司風(fēng)險管理資深人才。
5、碩士以上學(xué)歷,數(shù)學(xué)、統(tǒng)計學(xué)、物理學(xué)、金融工程等理科教育背景。
金融風(fēng)險管理崗位
第7篇 金融風(fēng)險專員崗位職責(zé)
咨詢 - 盡職調(diào)查專員(金融風(fēng)險管理) 畢馬威中國 kpmg china 畢馬威華振會計師事務(wù)所(特殊普通合伙)上海分所,上海畢馬威華振,畢馬威中國 kpmg china,畢馬威華振,畢馬威華振會計師 kpmg managed services provides an innovative and cost effective solution for the delivery of large scale remediation and/or ongoing servicing of regulated business processes across multiple industries, geographies and services.
畢馬威的運(yùn)營服務(wù)中心致力于為各行各業(yè)、不同地域以及不同服務(wù)類型的客戶提供一系列創(chuàng)新完善、高效價優(yōu)的整體解決方案,該服務(wù)將針對不同的金融監(jiān)管機(jī)構(gòu)頒布的法律法規(guī)為企業(yè)提供大型改善管理類服務(wù)以及/或持續(xù)性合規(guī)服務(wù)。
job description(職位描述)
the due diligence handler is responsible for conducting a periodic review in line with client policy to fulfil customer due diligence (cdd) requirements, otherwise known as anti-money laundering (aml) know your customer (kyc). you will be e_pected to deliver against targets for productivity, quality and customer engagement, managing your own caseload and taking client feedback from approvers who are responsible for quality checking cases.
盡職調(diào)查專員需按客戶需求定期進(jìn)行審查,以達(dá)到客戶盡職調(diào)查要求,如反洗錢,掌握您的客戶信息等。盡職調(diào)查專員需要實時掌握客戶經(jīng)營狀況,收集客戶的反饋,協(xié)助了解一系列與客戶或其企業(yè)運(yùn)營情況的相關(guān)信息,如生產(chǎn)狀況、產(chǎn)品質(zhì)量,客戶項目等,進(jìn)行收集整理并提供調(diào)查報告。
responsibilities (崗位職責(zé))
- ability to perform remediation and renewal reviews of cdd
- 對客戶實行盡職調(diào)查,提供實時有效的建議及改進(jìn)方案
- ability to use telephone, emails and letters to engage directly with customers of clients to obtain specific cdd information
- 能夠通過電話,郵件或信件各種渠道與客戶進(jìn)行高效的溝通,及時獲取準(zhǔn)確的客戶信息
- understanding information and documentation requirements for corporate structures in cdd conte_t and the ability to use or quote evidence reference material
- 掌握以及了解企業(yè)基本架構(gòu),能引用相關(guān)法律法規(guī)文件輔助進(jìn)行盡職調(diào)查
- provide timely review and follow up actions on referrals or queries
- 及時跟進(jìn)客戶提出的問題
- ability to make decisions and able to determine needs for escalation
- 能夠根據(jù)不同項目的情況及時做出應(yīng)對或判斷是否需要上報
- manage caseload throughout end to end process in timely manner
- 及時跟進(jìn)客戶的盡職調(diào)查工作,并按時完成
- ability to research data from related systems
- 熟練運(yùn)用不同的搜索工具進(jìn)行資料收集,通過多方渠道,實時掌握客戶最新情況以便能高效地完成盡職調(diào)查
basic requirement (崗位要求)
- bachelor’s degree holder in operations or related discipline; ideally with 1-2years’ e_perience of handling customer due diligence business processes
- 本科或以上學(xué)歷,運(yùn)營或相關(guān)專業(yè),有1-2年處理客戶調(diào)查分析或相關(guān)業(yè)務(wù)背景者優(yōu)先考慮
- ability to assimilate and apply detailed process instructions
- 熟悉各項工作流程,針對不同的項目可以靈活地做出相應(yīng)的工作調(diào)整
- fluent writing and verbal communication in english, mandarin and cantonese is needed
- 良好的書面表達(dá)及口頭溝通能力,含英語、中文及粵語
- proficiency in microsoft office (powerpoint, word, e_cel) or other related applications
- 能熟練地使用powerpoint, word, e_cel等辦公室軟件
- strong attention to detail and accuracy
- 工作細(xì)心,注重細(xì)節(jié)及數(shù)據(jù)準(zhǔn)確性
- highly motivated to deliver results to the right standards and targets
- 主動性強(qiáng),能按時按質(zhì)完成工作
- demonstrate e_cellent analytical skills and problem solving, self motivation and possess an enquiring mind
- 具有良好的分析及解決問題能力,主動性強(qiáng)及具備鉆研精神
- a good team player with the ability to deliver efficient working outcomes and overcome challenges even under pressure
- 具有團(tuán)隊合作精神及抗壓能力,能高效地與團(tuán)隊成員共同完成工作
- ability to thrive in a challenging environment and can adapt to different situations
- 能適應(yīng)不同的工作環(huán)境并克服不同的挑戰(zhàn)和挫折以實現(xiàn)項目目標(biāo),與團(tuán)隊共同成長
第8篇 咨詢 - 金融風(fēng)險量化及人工智能業(yè)務(wù)崗位職責(zé)要求
職位描述:
we are looking for a few candidates to fill in the positions of advanced analytics services (aas) group in beijing and shanghai.we are interested in competent candidates who want to further develop their quantitative and artificial intelligence (ai) skills. the requirement for a qualified candidates are:
1. master or ph.d. degree in a quantitative field, such as mathematics, statistics, mathematical finance and artificial intelligence related;
2. solid background in mathematical finance or machine learning; in-depth knowledge of probability theory, stochastic processes, optimization theory and numerical analysis is a plus;
3.hand-on e_perience with at least one of the programming languages such as vba, r, python, java, c++ and matlab;knowledge of mapreduce, spark, caffe, tensorflow or nervana neo is a plus;
3. fluency in written and spoken mandarin / english ideally;
4. e_cellent communication and interpersonal skills;
5. proficiency with ms e_cel and word is a must.
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who we are
ernst & young’s advanced analytics services (aas) professionals have assisted a variety of financial services institutions to improve quantitative processes by providing objective advices and services that are tailored to their needs, instill confidence in the models and methodologies deployed, and help e_ecute sustainable improvements.
differentiated by our ability to leverage sophisticated quantitative skills, artificial intelligence capabilities, practical marketplace e_perience and global resources, we have a deep knowledge of risk measurement and valuation, modeling techniques and the technologies used to apply these within an effective infrastructure.
what we do
1.derivatives valuation and benchmarking
we provide assurance and advisory services that assist in improving audit quality and financial statement reliability through a thorough review of derivative valuations, pricing and risk measurement as well as the associated processes and methodologies. because we have independently revalued thousands of derivative transactions, we leverage leading practices and provide market insight that helps improve valuation, risk measurement and risk control methods.
2.artificial intelligence modelling
with the e_tensive hands-on e_periences in the financial industry over a decade, we understand the business no less than the financial institutions do. due to the increasing needs of artificial intelligence from the business, we leverage our in-depth quantitative techniques to provide practical solutions based on machine learning models for business applications. our service covers problem identification, data acquisition, data e_ploration and visualization, as well as e_perimenting with machine learning algorithms to support institutions in making effective decisions. additionally, our team works collaboratively to develop and deploy machine learning strategies across a variety of asset classes in both domestic and overseas markets to meet business needs.
3.model review and validation
as the comple_ity of financial markets and products increased, so has the reliance on financial models. today, models are widely used across a broad range of valuation and risk measurement processes and have become a critical tool for management decision-making and e_ternal reporting. additionally, regulators and shareholders are looking for greater disclosure regarding the models utilized, including their assumptions and inputs.our aas team has hands-on industry e_perience, strong technical skill and a thorough understanding of supervisory, shareholder and business stakeholder e_pectations.we have conducted model reviews and performed validation services for a wide variety of leading third-party and proprietary models covering market risk, credit risk, operational risk, economic capital, pricing, valuation and capital reserves.
4.model development and implementation
we recognize that not all institutions have the time, skill or resources to develop valuation and risk models. ernst & young’s aas professionals leverage their model development and implementation e_perience, solid quantitative skills and in-depth knowledge of interest rate and credit derivatives products, structured finance products and capital markets to assist institutions that are unable to tackle these projects in-house. our model development and implementation services cover a wide range of products in banking, insurance and asset management and use a variety of standard programming languages, such as c, c++, c# and vba.
5.valuation and risk system implementation
our services include defining business requirements, developing technical specifications, requests for information (rfis) and requests for proposals (rfps), evaluating and selecting systems, assisting in customization and implementation, mapping and converting data, benchmarking models and data, writing reports and testing development and e_ecution.
第9篇 金融風(fēng)險崗位職責(zé)
網(wǎng)貸數(shù)據(jù)分析崗 大地財險個人貸款保證保險事業(yè)部 中國大地財產(chǎn)保險股份有限公司個人貸款保證保險事業(yè)部(分支機(jī)構(gòu)) 職責(zé)描述:
1、根據(jù)業(yè)務(wù)需要按時產(chǎn)出分析報表
2、協(xié)助完成風(fēng)險規(guī)則的系統(tǒng)部署、測試
3、負(fù)責(zé)項目的需求調(diào)研、數(shù)據(jù)挖掘模型、評分卡模型
4、完成領(lǐng)導(dǎo)交辦的其他任務(wù)
任職要求:
1、大學(xué)本科及以上學(xué)歷,統(tǒng)計學(xué)、數(shù)學(xué)、金融工程、物理學(xué)專業(yè)優(yōu)先
2、1年及以上銀行、小貸、互聯(lián)網(wǎng)金融等風(fēng)險政策分析相關(guān)工作經(jīng)驗者優(yōu)先
3、熟悉小額消費(fèi)信貸、信用卡風(fēng)險和信貸管理等相關(guān)內(nèi)容,熟悉信貸業(yè)務(wù)風(fēng)控流程
4、熟悉數(shù)據(jù)分析與數(shù)據(jù)挖掘理論,熟練使用sas、sql、spss等進(jìn)行數(shù)據(jù)分析工作
5、具備良好的表達(dá)能力,能夠獨(dú)立進(jìn)行數(shù)據(jù)分析、政策編寫等
第10篇 金融風(fēng)險管理崗位職責(zé)
金融風(fēng)險管理 同方全球人壽 同方全球人壽保險有限公司,同方全球人壽,??等藟?同方全球 工作職責(zé):
1.定期組織對公司風(fēng)險偏好、容忍度及限額的修訂和優(yōu)化工作;
2.制定與維護(hù)金融風(fēng)險相關(guān)管理辦法,包括承保、流動性、交易對手和資產(chǎn)負(fù)債管理相關(guān)辦法;
3.分析關(guān)鍵金融風(fēng)險指標(biāo),對于異常情況應(yīng)組織協(xié)調(diào)相關(guān)部門進(jìn)行分析和制定對策;
4.對年度業(yè)務(wù)規(guī)劃進(jìn)行獨(dú)立性金融風(fēng)險評估;
5.根據(jù)公司內(nèi)部管理及監(jiān)管要求,完成相應(yīng)的風(fēng)險管理報告,包括集團(tuán)流動性測試報告和資產(chǎn)負(fù)債管理報告;
6.根據(jù)公司內(nèi)部管理及監(jiān)管要求,統(tǒng)籌收集與編寫風(fēng)險控制委員會會議材料;
7.根據(jù)董事會以及風(fēng)險控制委員會等會議要求,對金融風(fēng)險管理相關(guān)內(nèi)容進(jìn)行落實和追蹤;
8.定期跟集團(tuán)溝通金融風(fēng)險管理相關(guān)內(nèi)容,并落實集團(tuán)的金融風(fēng)險管理要求。
任職資格:
1.全日制本科及以上學(xué)歷,金融、精算、財務(wù)等專業(yè)優(yōu)先;
2.三年以上保險行業(yè)相關(guān)工作經(jīng)驗,具備精算背景,通過基本精算考試;
3.具備數(shù)據(jù)敏感度,熟悉保險行業(yè)法律法規(guī)和政策;熟悉風(fēng)險評估和計量方法;
4.獨(dú)立、具備優(yōu)秀的溝通協(xié)調(diào)能力,項目推進(jìn)能力;
5.須具備基本e_cel建模型能力 (如現(xiàn)金流模型)。
第11篇 金融風(fēng)險經(jīng)理崗位職責(zé)
零售金融風(fēng)險經(jīng)理 tcl金融控股集團(tuán)(廣州)有限公司 tcl集團(tuán)財務(wù)有限公司分支機(jī)構(gòu) 職責(zé)描述:
1、風(fēng)險模型的搭建與優(yōu)化,結(jié)合各類大數(shù)據(jù)建立貸前風(fēng)控模型,根據(jù)產(chǎn)品反饋不斷分析優(yōu)化模型;
2、風(fēng)控政策的制定與更新,精通貸前貸中貸后的風(fēng)控政策邏輯,結(jié)合業(yè)務(wù)過程中的問題,給出針對性及專業(yè)性的指導(dǎo),對風(fēng)控政策進(jìn)行持續(xù)優(yōu)化;
3、對風(fēng)控體系進(jìn)行整體建設(shè),提出長遠(yuǎn)規(guī)劃及跟蹤執(zhí)行,制定完善的業(yè)務(wù)風(fēng)控流程及各項規(guī)章制度;
任職要求:
1、3年以上信貸或消費(fèi)金融風(fēng)控領(lǐng)域工作經(jīng)驗,1年以上風(fēng)控系統(tǒng)建設(shè)或優(yōu)化經(jīng)驗;
2、掌握信貸、消費(fèi)金融、車貸、房貸等相關(guān)市場業(yè)務(wù)知識、操作流程、行業(yè)規(guī)范等信息;
3、良好的溝通協(xié)調(diào)能力、市場分析能力,廣泛的信息、數(shù)據(jù)獲取渠道