I Risk Manager: umsebenzi omtsha ithembisa

Nawuphi na umsebenzi zabantu ukuba ngandlel 'onxulumene ingozi. Ngokubanzi ethetha, ubungozi - kukholeleka ukuba ilahleko okanye ilahleko. Xa sincokola ngayo ishishini, zonke ezi iziphumo ezingalunganga ezikumila zemali. Ngokupheleleyo uzikhusele wena macala onke nto nje akunakwenzeka. Kodwa izinto ezimbi kungabalelwa yaye, ke ngoko, ukunciphisa amathuba ngelahleko. Nangona kunjalo, kufuneka ukuba ulwazi nezakhono kwicandelo loshishino. Ngaphezu koko, loo nto ngamanye amaxesha ukunceda nangokuvulelekileyo kuphela. Zaba phantsi kwempembelelo zonke ezi mfuno zingummiselo kwimarike yemisebenzi kwakukho amakhono amatsha ngokupheleleyo kwaye ethandwa kakhulu - umphathi lomngcipheko. Ngubani na lo kwaye njani ube onjalo ingcali - umxholo nqaku yanamhlanje.

Iingozi: ziyini

Ukuthetha ngale ndawo esitsha zezinto ezenziwa luluntu, kubalulekile ukukhumbula ukuba eli gama ephambili apha nangoku "ngumphathi". Kwaye ngoko kuphela singathetha ngento kuseza iingozi kunokuba ethile ukufunda. Xa siqwalasela ubume phantse naliphi na ishishini, sinako ukwahlula ezi ntlobo zingozi:

Operational. Iingozi ezinxulumene ukungafezeki kwezibonelelo zoluntu-nkqubo wenkampani, yanyhashwa zokhuseleko, ubuqhetseba, umonakalo kwimpahla njalo njalo. Ngokubanzi, apha iya yonke into inokwenzeka ngexesha imisebenzi ye nkampani.

Financial. Umngcipheko ukuba ngenxa yezizathu ezahlukeneyo, inkampani ukuze bakwazi ukufeza iimfanelo zabo zemali kumaqabane. Oku kuquka ubungozi ezinjalo:

• ngetyala;
• market - ukunciphisa ixabiso lempahla ngenxa yezizathu ezahlukeneyo;
• ibhalansi - ukulingana phakathi ubungozi kunye isambuku-asethi ezikhoyo.

Abanolwazi Risk Manager zemali kufuneka kukwazi ukuphonononga kakuhle ngamnye nokubala iindlela zokunciphisa kubo.

Management. ekunokuthiwa iingozi ezinjalo:

• ukulahleka inkoliseko;
• ekukhetheni okubi izicwangciso zophuhliso lweshishini;
• ukuncipha ixabiso kwinkampani kwimarike efanelekileyo.

Ezinye iintlobo iingozi. Ngokubanzi, kukho malunga ngeentlobo ezilikhulu ezahlukeneyo iingozi ukuba zihlelwe ngokusekelwe kuhlobo lomsebenzi.

umsebenzi Inkcazo

Kukho ubungozi ezininzi. Manager Risk lweshishini nje ukwenza yabo, ukuhlelwa, uhlalutyo kunye nolawulo.

Le yenye izithuba eziphambili ulawulo lwesicwangciso nkampani. Kule meko yangoku le noosomashishini Russian kufuneka rhoqo ukujongana ezahlukeneyo izinto ezahlukeneyo, iyileyo isuka yenze kunokuchaphazela ukusebenza mbutho. Oku kubangelwa ikakhulu utshintsho elibukhali isantya sonaniso kwaye, ngenxa yoko, amaxabiso kwempahla. Kwakhona ngabom "ukuhamba" kunye kwenzala kwimali-mboleko.

Njengoko umthetho, inkqubo yonke ukuchonga nokunciphisa imingcipheko yokwakha amashishini amakhulu-scale. Xa umphathi umngcipheko ezincinci - kaninzi esiphezulu.

Apho loo mfundiso

Ukuqeqesha ingcali yale hlobo kuba nzima kakhulu. Kungenxa yoko le nto kuluhlu kumaziko ezizodwa, amaziko oqeqesho kunye neeyunivesithi ungenza Kunzima ukufumana umsebenzi, njengomphathi lomngcipheko.

Incutshe elungileyo kule entsimini kufuneka isixa enkulu kangangoko ulwazi kwiinkalo:

• kileyo;
• ukuxhomekeka kolungiso ;
• statanaliz;
• Iinkqubo zolwazi;
• ubuchwepheshe computer;
• ezi nkcukacha kwamashishini lweshishini apho ukusebenza.

Amaninzi, abafaki-zicelo kwisikhundla "Managers 'ukuba abaphathi kwiindawo zoshishino kunye namava olwaneleyo. Kwakhona abaphathi abalungileyo ukusebenza kunye 'esiyingozi "zingafumaneka kule izidanga zemfundo yobugcisa kunye zemathematika, kunye namava kuhlalutyo zemathematika kunye manani.

Phantse iziko kuphela uqeqesho olukhethekileyo kule entsimini yeyona Global Association of Professionals Risk (GARP). Iingcali ze iinkampani Ukubonelela ngeenkqubo zoqeqesho kunye noqeqesho embindini ukuba iingcali zolawulo eziphezulu. GARP usebenza kwimarike Russian ukususela ngo-1999 kwaye ibonelela inkqubo isatifikethi kwinkalo yolawulo lomngcipheko. Le Association ofisi yayo kumazwe angaphezu kwama-100 ehlabathini lonke, ilungiselela iingcali-kwinqanaba eliphezulu.

imisebenzi

Risk Manager umsebenzi amaninzi ezinxulumene novavanyo kwemicimbi ekhoyo kule nkampani, ukufumana ubuthathaka kunye nezisombululo zazo. Imisebenzi enjalo ingcali kungafakwa isimangalo malunga kule nkqubo ilandelayo:

• Ukukhangelwa umngcipheko okhoyo;
• uhlolo amathuba nophuhliso egwenxa kule meko;
• kuqulunqwe isicwangciso samanyathelo aza ulawulo inkqubo;
• Ukuqulunqwa kwesicwangciso esiliqili ukunciphisa amathuba umsebenzi elibi le nkampani, kunye ukunciphisa ilahleko;
• kumiliselo lwesicwangciso endimnyulileyo;
• isenzo ulungiso xa kukho imfuneko;
• UPawulos iziphumo zomsebenzi.

Kakade ke, iimfanelo ezicacileyo umsebenzi zixhomekeke ngokuyintloko koko Iiprojekthi isebenza umphathi lomngcipheko.

Yintoni enye ekufuneka uyazi

Ngaphandle ulwazi kunokuba olunzulu zemathematika, ezoqoqosho, amanani, kunye namanye amacandelo yomsebenzi, oyingcali yokusebenza eziyingozi nabo bafuna ukukwazi ukuba:

• amava omsebenzi iminyaka ubuncinane 2 entsimini ingqondo;
• Ukwazi ukusebenza ngeekhompyutha kwinqanaba ungumsebenzisi onamava;
• ulwazi IsiNgesi, zombini zomlomo nezibhaliweyo;
• ulwazi accounting kunye nomthetho Russian endle endimnyulileyo;
• ulwazi kweenkqubo ingxelo zemali;
• ukulungela ukusebenza phantse rhoqo phantsi imo uxinzelelo;
• nako ukubonisa nembono yabo baze bakhusele xa kuyimfuneko.

amathuba

Ngenxa ukuvela kutshanje ngokwentelekiso msebenzi "Umphathi Risk kweprojekthi" boom enkulu kwimarike yemisebenzi akayi ulandelwe. Kunjalo, imfuno ziingcali ezintle kule entsimini uhlale apho. Kwaye ikhula kuphela kunyaka ngamnye. Ngokukodwa kwimfuno ziingcali kwiinkampani abo siceba ukuba sibe nomtsalane kubatyali-mali bamanye amazwe. Njengoko namhlanje - nto iibhanki ubukhulu becala enkulu, iinkampani ingqesho kunye nezinye iinkampani icandelo lezezimali. Kodwa ngonyaka ngamnye uluhlu iinkampani liyenyuka.

Izinga bentlawulo

Ekubeni uninzi zicelo ukufumana isithuba sengqesho - izidanga zakutshanje amaziko emfundo ephakamileyo, kwaye izinga yomrholo ngabo ayinkulwanga kakhulu, malunga 2 amawaka eerandi .. Kodwa emva kweminyaka embalwa, kangangoko ukufumana amava kunye nolwazi practical, nemivuzo kunyuke nge 2.5 amaxesha.

Iinkampani ezinkulu engozini abaphathi ukuvavanya amava kancinane olubiza kakhulu. Ke umvuzo ziya kuqala sele evela kwi-10 zeerandi th. US, kwaye isibiyeli eliphezulu kuyinto engekhoyo. An Risk Manager onamava, ngubani na ukuma siqinile lesiphelo top-, nako ukuphichotha iinkonzo zabo 60-80 amawaka eerandi yaye ngaphezulu.

Abantu abakhetha ukuba wobugcisa, kufuneka nje ube iintlobo ulwazi ezahlukeneyo, kodwa kufuneka isitokhwe umlinganiswa othile. Iingcali Good kahle semvelo, ingqalelo iinkcukacha, ukukwazi ukuba bahlale phambi isixa esikhulu solwazi, ubuchule ukuba umsebenzi ixesha elide phantsi koxinzelelo rhoqo.

Indlela I Ndidinga ingcali

umphathi Indawo kwiimeko ezinobungozi swi n'wi-nkqu zoshishino ezikhoyo, njenge umthetho, indawo sele ithathwe yaqaliswa, iinkampani abaqolileyo. Intshayelelo abasebenzi ingcali yaye mhlawumbi sigwetyelwe ukuba inkampani sele ikhona indlela ethile iinkqubo zoshishino. Kungenjalo kunzima kakhulu ukuba ukusasaza amagunya ibalele butyala ekuqhutyweni kweshishini. Amaxesha amaninzi amashishini ezingenawo oyingcaphephe enjalo, ulawulo lomngcipheko isephantsi. Kulo mzekelo, imisebenzi yolawulo lomngcipheko lidluliselwe kwabanye iiyunithi:

• isebe zomthetho;
• inkonzo yokhuseleko;
• ukwahlulwa ulawulo lwangaphakathi;
• ngezezimali;
• inkonzo ukhuseleko ulwazi;
• nezinye iingcali.

Xa ndiqukumbela, singatsho ukuba ishishini namhlanje ngokwandileyo liqeshe bolwazi ezahlukeneyo, kwaye aziwa ukuba nokuguquguquka ngokukhawuleza. Ngoko ke, akukho siqinisekiso sokuba ubuchule ezifumaneka iingcali yanamhlanje kwinkalo yolawulo lomngcipheko, kuya kuba ngaphezulu okanye ezixabisekileyo ngaphantsi kwiminyaka embalwa. Ngoko ke impumelelo kulo msebenzi, Kakade ke, kuxhomekeke kwinqanaba lophuhliso kunye nemfundo-self abaviwa.