[出不出？] 加拿大UBC MMOR运筹和四大咨询工作的纠结。。。。。。。

lisamiooo

没想到遇上了最难的抉择。。。。。
    之前是主要申请出国，工作上投了四大的审计和咨询。
    如果是四大的审计offer那我一定会出国，可是是咨询，风险管理咨询，虽然没有战略咨询高端，四大也比不上MBB,但对于一个**的本科生来说，真的是不错的offer，在北京肯定生活艰辛啊，工作劳累啊，但是我自己喜欢繁忙的工作，也想在工作中积累经验。
    加拿大UBC运筹的硕士，在温哥华，历年就业率都是100%，毕业是做数据分析一类的工作，可以在Public service也可以在advisory工作，移民也相对容易。学费不贵，全读下来，还有奖学金，最多50w RMB。
    自己觉得出国或者不出国，完全是两种未来两种生活，当然有些人会说工作了以后还能出国，出国了也能回来，但这些都是后话，现在我要做出选择。
    温哥华的校区超级美丽，生活质量肯定比在北京工作或者天天出差要好。但一个人在国外打拼，自己要学很难的编程数学课，异国他乡的漂泊，不确定能不能找到工作，或者移民政策会不会变动。。。。国内工作一定能给我很多工作经验上的成长，就是生活质量差，可怜的薪水。。。而且我很难放弃出国学习和移民的大规划。。。。
    希望大家给点建议吧，无所谓对错，想听听大家的想法。谢谢大家~

Jodnsone

Thank you very much for my help in the article mentioned in the article

Jodnsone

Thank you so much for sharing.

jwpangzi

gordonmwu 发表于 2016-4-18 22:42
Basel will remain as a hot area at least through 2019.  That's the target timeline for US banks to ...

Mark一下！               

Jasmine921106

lz决定好了吗 我也在ubc上学呢 这个项目真心不错 你可以考虑

gordonmwu

lisamiooo 发表于 2016-4-19 16:54
U R AMAZING!

Thanks so so much for your reply. Ur career analysis is great both for my present ch ...

glad if i had helped.

lisamiooo

gordonmwu 发表于 2016-4-18 22:42
Basel will remain as a hot area at least through 2019.  That's the target timeline for US banks to ...

U R AMAZING!

Thanks so so much for your reply. Ur career analysis is great both for my present choice and future career path. BTW, I have decided to work by a coin toss

gordonmwu

lisamiooo 发表于 2016-4-18 11:45
对，就是这个岗位。现在重点是Basel，operation，credit advisory，客户以前有BOC,ABC, CCB这种，还有股 ...

Basel will remain as a hot area at least through 2019.  That's the target timeline for US banks to finish Basel III framework implementation and be in full compliance.  If you develop expertise in Basel III within the next 3 - 5 years, you will have a very good shot for mid to senior level risk management jobs within banks.  Believe the Basel III implementation timeline for Chinese banks should be similar.  Just to give you some insider info, a SVP specializing in Basel back in 2011 made all the way to Managing Director within 4 years at top tier US bank.  This promotion will probably take a business person at least 8+ years given s/he can deliver $20+ million revenue on yearly basis.  Someone can argue that a risk MD makes probably half of what a business MD makes, but still.... MD dream a dream at least for me.

Big 4 presumably will have strength in advising credit risk management since it's pretty much driven by the financials, mixed with some industry sector and sovereign views.  If you have a very solid understanding of how to advise the credit risk of individual or portfolio of corporate and maybe some industry knowledge, you will be well prepared to take some key banking functions such as senior risk manager covering some industry and corporate clients, or even as relationship bankers if you are comfortable with and have social skills for client relationship management.

Operational risk is a complete different animal.  I didn't come from an Ops background, but by commonsense and my extensive work relationship with back office ops team, I think you can learn how a financial institution works and how the transactions are processed in back-end systems.  You will be amazed how outdated / underdeveloped the systems are at some major banks.  Your work as a consultant will be very frustrating initially, but as your experience grows, you will start understanding why things are like this and where are the opportunities of optimization.  You can work for a bank as an Ops guy, or you can consider some fintech firms which develop system for the banks to optimize their operations.

lisamiooo

gordonmwu 发表于 2016-4-18 10:24
Financial Service Risk Management？他们advise什么类型的风险？Operations? Market? Credit? 客户对象 ...

对，就是这个岗位。现在重点是Basel，operation，credit advisory，客户以前有BOC,ABC, CCB这种，还有股份行城商行，保险基金信托之类的金融机构，对互联网金融有涉及

我也是看重这是个好起点

gordonmwu

lisamiooo 发表于 2016-4-17 11:29
是金融服务风险管理，现在看来工作需要多出差，建模，还有部分风险管理流程再造方面的咨询。
UBC OR出来 ...

Financial Service Risk Management？他们advise什么类型的风险？Operations? Market? Credit? 客户对象是谁？

纯粹从职业角度来说，我觉得四大会是一个比较好的起点。如果你将来想成为data analyst，对现在的大数据概念很有兴趣，那么一个扎实的在业界如何分析使用数据的岗位培训是非常有意义的开端。