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The loan process is not too complicated, but the process of signing the contract is certainly not as simple as imagined, first of all, first of all, and then submit the information to the headquarters for review, and wait until the quota comes out, don't think that even if it is possible, in fact, the quota can only prove that there is no problem with your information submission, and the return call is not bad.

Sister Wang told me that signing a contract is the key, and many customers are stuck in signing a contract.

The signing process is annoying, at least that's what I think.

First review the information, then someone will give you a video, ask questions, and confirm.

And you need to call a few important contacts on the spot, turn on the speakerphone, and verify your identity.

Contacts are generally retrieved from the phone address book, many people are reluctant to keep the contacts on the address book, in fact, we directly obtain three months, or even six months of call records through your phone number, and then filter out the top 20 call records with the most times.

At this time, the lender needs to confirm the identity of the other party according to the phone call recorded by the call, which must be true.

Liu Sheng asked not to let his wife know, so we arranged for him to find someone to answer the phone on his behalf, because according to the regulations of the headquarters' risk control, the loan must be known by one of the immediate family members, Liu Sheng did not let his wife know, and his parents could not answer the phone, so Sister Wang asked Liu Sheng to find a female friend to pretend to be his wife to answer the phone on his behalf.

Because Liu Sheng is a self-employed businessman, has a façade, and has a lease contract, 20,000 yuan is not a problem, and Sister Wang also took this into account, so she finally lost it to Fang Yuan, and let me follow up on it is my performance.

When I informed Liu Sheng, Liu Sheng expressed his gratitude to me, and I wanted to remind Liu Sheng to pay attention to the repayment on time, otherwise it would cause unnecessary trouble.

As soon as Liu Sheng's order ended, Sister Wang threw me another order of 30,000 customers, and told me: "The customer's qualifications are good, he can definitely pass, but he only needs 30,000 yuan, you can follow up." ”

I am very grateful to Sister Wang in my heart, at least I feel the friendship between colleagues, and I haven't felt this warmth for a long time.

Successfully completed two orders, I began to be full of hope for the task of 500,000 in two months, at first I also thought that it should not be difficult to do 500,000 in two months, but when I just entered this industry and was not very familiar with how to find customers, Sister Wang directly threw me a single order of 50,000, which allowed me to successfully complete the two orders, and also gave me some confidence in my heart.

I got a new job, my life got back on track, and my life became normal.

Working from 9 to 6 in the morning, there is no difference between going to work every day and ordinary workers, in fact, I have now become a small employee of the company, that is, an ordinary worker.

Fortunately, the company is relatively close, and the BRT is only two stops away, so the journey to work is not particularly hard, you don't have to get up so early, and you don't have to squeeze the bus for too long.

There is also a college graduate who joined our group with me, who graduated last year, and is considered a newcomer, but her luck doesn't seem to be as good as mine, because Sister Wang didn't lose the order to her, so a week has passed, and she hasn't officially opened.

Before I entered the microfinance company, I always had a misunderstanding, that is, the money is not to worry about being released, there will definitely be many people in this world who need money, so the business of the loan officer must be very simple and easy, just like the staff of the bank who approved the loan in the past, maybe the customer will give us a benefit fee for the loan.

After working for a week, I was officially exposed to the industry, so I felt very different from what I imagined.

For example, there are indeed many people in this society who need money, but the conditions are very high-quality customers, they generally choose the bank, now many banks do microcredit loans, and the interest is much lower than our microfinance company, these customers are short of money but will not look for our microfinance company.

Only when the bank refuses, they will consider a microcredit company like us, but the bank refuses customers, and it is generally difficult for us to pass the risk control review.

In other words, in fact, the business of our microfinance company is a bit embarrassing, most of the customers we can lend can go to other institutions for loans, and most of the customers that the bank cannot lend, we can't lend money.

But it's not that we don't have an advantage, in fact, we also have an advantage, our advantage is the legendary fast review and fast lending, and for the kind of customer who can't lend money but has a big problem, we can help him package it a little, and then get the risk control review and approve them for money.

The so-called risk control review here is not that we really have the ability to influence the approval result of the risk control review, but because we are familiar with the risk control process and review conditions, so we can find key information materials to ensure that it is more likely to pass.

After working for a while, I discovered the approximate origin of our customers.

We need to promote ourselves, go to the website forums everywhere to make posts, and then go to some loan websites to register our own information.

Some customers are directly transferred to us by very large financial websites, but these are all information introduction fees, and they don't care whether the final result is success or failure, anyway, we have to pay, and customers don't need to pay.

Those customers who found us through the city's people's life network and forums, they are really in urgent need of money, but most of them have certain problems, and basically they are customers who cannot re-lend money in the bank, but in this case, I also found that the probability of them passing the risk control audit in our company is also very low.

There is also a big way, and I think it is a business source that must not be ignored, and that is the introduction of intermediary companies, especially the introduction between passes.

Like our Xchang microfinance company, there are many microfinance companies in Shencheng, and when a customer needs money, if a credit company successfully passes the final approval, he will definitely be able to pass the approval in other homes, so this kind of customer has become the best quality customer.

There are even some financial consulting companies that do not have microfinance qualifications, they just cheat their customers and then sell them to microfinance companies like us, and they charge intermediary fees.

Although the company has repeatedly stated that it is not allowed to charge handling fees to customers, and has repeatedly stated to customers that there is no need to pay intermediary fees or service fees to other people for loans, in fact, most customers end up paying intermediary fees privately, because they themselves were sold by intermediary companies.

After two weeks of study and exploration, I have begun to grasp the key points of this industry, to put it bluntly, it is a source of high-quality customers.

Sister Wang has a good relationship with the managers of several credit companies, and often treats each other to dinner with them to maintain their relationship, including a credit company of X, which is actually a competitor to us, but Sister Wang is as close as an iron buddy to the credit manager and risk control audit manager of a branch in Shenzhen.