The examiner had a glorious history. In the era of banking, they are the core positions, standing on the tip of money and controlling the decision-making power of lending. Nowadays, risk control has entered the “data-driven†era and the examiner has become a “chicken rib†position.
01 Golden Age
In the financial sector, they are the first wave of people driven to the edge of the cliff.
What drives them is artificial intelligence.
"I want to leave this post and leave Beijing." The judge, Bao Xinxin, has a low tone and is confused and desolate.
He must leave. He has nowhere to escape.
In the era of banking, the judges once enjoyed the scenery and the time put them in an important position and was awarded a medal.
At that time, all the people who applied for the loan to fill in the information will be put in the hands of the judges—they use various means to weigh the loan and let it go.
In other words, they have mastered "birth and murder".
“Judges are a decent job,†said Yao Jinjun, who once worked as a banker at the bank. Many of them are university graduates who can enter the bank to take up this position.
From 2011 to 2015, it was a fierce era. All those who have some business ideas are brave enough to start buying and selling, and the demand for loans is strong.
At this time, the financial tidal wave opened, and local small and medium-sized loan companies stood in a row, and loan officers engaged in offline loans ushered in the golden age.
In the spring of 2014, Bao Xiaoxin after 90 began his career in the North. He entered a small loan company and became an "all-round" loan officer.
"To enter the financial industry, letter and review are undoubtedly the best way. There is not much financial education required. If you have strong skills and dare to learn, you can do it." Bao Xiaoxin said.
Bao Xiaoxin’s company mainly focuses on operating loans. As long as customers have wired down stores and operate for more than one year, they can handle loans of minimum 20,000 and maximum 150,000.
The wind control at that time was extremely primitive and there was no letter and hearing system. The borrower first went to the company to fill in the application information, and the second day the clerk went to the store to visit.
When signing the contract, Bao Xiaoxin took the borrower's cell phone and randomly picked up several contacts.
The information will be contained in an envelope, sealed up, paid back on schedule, and returned to the borrower as it is.
Once the borrower is overdue, the envelope is opened and these people will be contacted for collection.
In borrowing from banks and offline stores, the judges have a “strategic core†status and they are the main backbone of “anti-fraudâ€.
During the visit to the upper house, Bao Xiaoxin can continue to fight with the other party for two hours. “You need to ask him about the operating conditions of the store, when it was opened, how long it took, and how many employees were there, through the electricity bills, the water of the day, A variety of clues to determine whether he is a person with integrity."
In interviews, all kinds of complicated and complicated details will “discharge the open airâ€.
Once, there was a boss who claimed to sell pork to apply for a loan. The other person kept him in a large pork warehouse, dark.
Can be "boss" groping for a long time, but could not find the switch.
"I probably knew in my heart that he was not the boss." Bao Xiaoxin judged.
"Because you have mastered the right to killing and murdering, many borrowers will give red envelopes to credit officers, hoping to put them on the horse," Yao said.
In those days, they were infinite scenery.
02 status sinks
In the golden era of lending, in addition to the rise of offline lending, online online lending platforms have blossomed.
A group of brave elites climbed into the era express train and determined that there will be a miracle ahead of the day and night.
In 2015, the growth of online loan platforms was extremely alarming. According to the data of home loan users, this year, the total number of platforms reached 3,769.
At this time, a lot of offline credit examiners were dug into the Internet platform. Bao Xiaoxin also left the small loan company and joined the online loan industry.
The new office building is the most prosperous CBD in Beijing. Everyone is in a suit and holds a cup of coffee. At that moment, he finally feels that he has found the brilliance of financial practitioners.
But soon he discovered that the so-called bright, just "unique." Online, the work and importance of whistle-blowers is greatly reduced.
With offline loans, the amount of money is high, and individual audits must make every effort to verify the authenticity. On the other hand, online loans are mostly small and there is no time to go through every single review—no need for cost considerations.
They must, fast, fast, fast.
In the high season, a single clerk needs to examine about 50 orders a day, one hour needs to review 4 to 5 orders, and an average of up to 15 minutes.
In order to ensure that the progress of the 15-minute trial progressed smoothly, Bao Xiaoxin accurately calculated: View customer data for 2 minutes, call the customer for 2 minutes, the third-party contact to call 2 minutes, check the customer's credit information on the Internet for 5 minutes , fill in the approval opinion for 2 minutes.
15 minutes to get it perfect.
At this time, most of the most important tasks of the whistle-blowers are through telephone audits. The jargon is called “electricity coreâ€.
Sometimes, in addition to contacting the borrower himself, he will contact the “contact†he left to cross-certify.
For the judge, it is like a "fantasy trip."
“You can meet all sorts of strange people.†Some people will always say that they are not available. On the other end of the phone, mahjong cards are being booed. Some people question whether they are frauds and threatened to call the police. Some speak a dialect. I do not know. The cloud...
And this process does have a few doorways.
The bank where Yao Jinjun is located has also begun to do some online business. He also joined the nuclear power department.
They conclude that although there is no detail in the face-to-face examination, it is also possible to capture some clues from the phone.
For example, the information shows that it is a big boss. At the end of the phone, there are voices of buses coming to the station; sometimes they can hear the sound of “turning informationâ€. “Forgery information is too much to remember. Look through the data." Sometimes the other person couldn't answer it, but he was skeptical, too fluent in answer, and he was skeptical. "Like an endorsement, they are ready answers."
Coco, who had just joined the credit industry, also came up with some doorways. In general, he divided the electricity nucleus into 5 steps, completed one, and hit a tick.
The first verification of customer information, the second verification of the use of the product, the third query the customer repayment method, the fourth assessment of repayment ability, fifth remind customers to repay on time.
It takes at least 5 minutes for a phone call.
Cocoa Questionnaire
The person at the other end of the phone, Cocoa did not know it. In his heart, he drew a portrait of them and was familiar with their life rules.
Name, job, place of work, single or married...
Cocoa tried to find some fun from his work.
He still does not know that the biggest crisis of this profession has come quietly. They are about to be eaten and divided a little bit and become the smallest screws...
03 Screws
Suddenly, the times have changed and the wind has changed.
In 2016, with the rise of cash lending and consumer finance, all online platforms began to “combat customers.â€
Bao Xiaoxin sadly discovered that in the process of rapid impulses, the Judges became the most “low-cost, low-cost†labor force. “Pure physical labor, reading materials every day, making telephone calls, without technical content.â€
His work is endless and he cannot stop.
The company implements three shifts. The morning shift is from 8am to 6pm, the middle shift is 10am to 8pm, and the night shift is from 12:00pm to 12:00pm, and the weekend can only take one day off.
At the busiest time, he had to review 100 orders a day. In the long run, he committed a serious occupational disease: decreased vision, back pain.
"At the peak, the list will be sent to you directly, and you will not be able to go home without trial." Bao Xiaoxin feels that Internet finance is running at a rapid pace, and all are urging you. "Customers are urging money, and supervisors are pushing performance."
When everyone is tired and unsuccessful, “the manager implements a reward policy. The first person who has tried the most is rewarded 5,000, and the second is 3,000. Some people fight for money.â€
At this time, most loan officers can only fill out "recommendations" and even lose the right to make decisions.
The examiner suddenly became the bottom line in the assembly line. They only had a low labor force, repeated mechanical work, and endless overtime work...
The speed of manpower, how could the machine be played?
In order to ensure the daily loan amount, many companies began to introduce pre-lending automated approval systems.
At this point, Coco has become the supervisor of the letter, and he feels himself in an awkward position.
Around him, a new department was established - the modeling group, the anti-fraud department, the data department, and so on. The risk control was split into seven departments.
However, he soon discovered that the original experience was not enough, and the risk control began to be wrapped up in many “tall†words.
Third-party credit data, reptile software, whitelists, blacklists, device fingerprints, various fresh nouns, cocoa never heard of.
For a time, the concepts of big data, artificial intelligence, and quantified risk control seem to be the real standard for wind control.
"Some people claimed to understand big data, Zhang mouth will have to pay 500,000 annual salary, the company does not hesitate to earn millions of salary, to introduce foreign risk control personnel," and cocoa to see their annual salary of just over 10,000, a bit overwhelmed.
In the past, only one day had been audited by hand, but the number of machine audits exceeded 10,000. In high-frequency transactions on the Internet, people almost lost.
Even the offline lending platform has begun to gradually replace machinery with machinery.
“Our manpower for manuscript review has gradually decreased, and it has more than 100 people at most. Now there are only about 60 people. In the future, they will be transformed,†said Li Qiang, deputy director of the Joint Credit Grants Review of the company.
"At present, the quota for automated audits on the market is relatively small, generally less than 10,000, and it is an automatic audit, between one and thirty thousand, which is a manual adding machine, more than 30,000, and there is no way to do a fully automated audit." Li Qiang said. The Czech-Vietnamese united mainly with the loan of 50,000-100,000, and therefore retained some of the staff.
When the machine is strong enough to make large payments, will the certifier be completely eliminated by history?
They have become screws, and they are horrified to find that even this screw is not needed...
04 Where to go
From the core employees who have mastered life and death, to the cheap labor on the periphery, and nowadays optional, credit practitioners have found that the trains of the rumbling times have rushed before them.
In Coco's view, the technology is continuously iterating. He divides it into four eras: Big Data 1.0 era, app, and a letter-and-appraisal system. Customers do not need to wait for the time to fill out the form.
2.0 began to introduce the credit system; to 3.0 received the credit, with advanced technology such as modeling, fingerprint recognition, face recognition; to 4.0, it is completely artificial intelligence, machine learning.
At the moment, there is no doubt that the transition is from 3.0 to 4.0.
Because of the lack of credit information system and the incompleteness of artificial intelligence, there is still a 20% to 30% gray area in this transitional phase that requires manual review. This is undoubtedly the final straw for the judge.
However, many experts have asserted that the time for leaving a personal worker is only 5-10 years.
"The number of future petitions will become less and less," said Li Qiang, deputy director of the Joint Credit Evaluation of Jieyue. In the future, the so-called manpower will only use the establishment, supervision, and maintenance of the risk control system. All decisions will be automated. ".
"We have cut off credit officers and realized full review online," said CRO, a well-known platform, who completely replaced machines with machines.
"We use data and technology to drive and completely solve the drawbacks of manual approval, subjectivity, and low efficiency," the CRO said.
Even Bao Xiaoxin's supervisor secretly told him to let him quickly learn something new. “Automation and inspection of letters and letters is definitely a general trend.â€
Is it really time to abandon them?
Almost all the information is revealed, a definite answer.
There are only two ways in front of all credit practitioners: either take the initiative in transition or passively eliminate them.
Cocoa undoubtedly chose the first one.
He taught himself some knowledge of risk control and also participated in some basic risk control courses. Currently, he finds a new job, responsible for the primary strategy model and data analysis.
"Come on, step by step, since time gives the trajectory of development, we can only follow the time to climb forward," Coco said.
However, Bao Xiaoxin did not come out of desperation and unwillingness. He was disheartened, and he suffered from ruthless whipping and downfall of reality.
"I want to leave this post and leave Beijing." He decided to leave Beijing and leave the credit industry that abandoned him.
Time has always been cruel.
Does not give anyone a chance to breathe.
In the face of the rumbling of the era train, either fight hard, give up all but climb up, or become a sacrifice of the times...
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