OverviewWe are responsible for developing a big picture of mid/long-term business strategy for the company, and monitoring whether individual business unit operates in line with the strategic directions.
Career PathIn order to develop mid/long-term strategies, you need to have a bird’s eye view of business operations from senior management perspective. You should also have in-depth knowledge and analytical skills to understand specific nature of each business unit and their major challenges. Given this, other core competencies may include logical and critical thinking to analyze and solve problems to be a good strategist. Strong communication skills to interact with management and business units, as well as teamwork and leadership skills to lead conversation with diverse coworkers with an open mind are also required. When you are equipped with the qualities, you should be able to develop into a strategic planning expert capable of shaping the future course of an organization in a rapidly-changing environment and resolving business challenges.
Overviewusiness Innovation Department is responsible for looking for areas of improvement and streamlining business process based on status analysis of each business unit at Hyundai Card and Hyundai Commercial. The scope of improvement covers both business unit and company-wide level, including customer base expansion, marketing efficiency gains, operating productivity assessment, cost savings and corporate culture enhancement. The job thus requires quick learning skills, analytical skills for hypothesis testing, focused execution and holistic perspective with open mindset.
Advice for ApplicantsThe unique experience of building strategies for enterprise and business function-specific strategies and collaborating with different ranks of people should be instrumental in building strong career path, and developing understanding and competencies in financial business based on strategic thinking tested with hypothesis as well as broad perspectives.
OverviewWe are responsible for delivering brand message through different channels in diverse ways for effective communication.
Career PathBrand communication approaches and content are getting increasingly diverse, with technological advances such as smartphone. Gaining branding experiences at Hyundai Card which are always committed to taking up new and innovative opportunities should enable you to be a branding expert effectively interacting with the public in a rapidly-changing environment.
OverviewPremium Marketing Team in Brand Division aims to offer differentiated experiences to premium card customers as we develop and implement products and services.
Advice for ApplicantsBeing a brand and marketing manager for card products means that you can learn and understand all related business processes. Exposure to product, customer management, communication, CRM, partnership and data analysis enables you to gain the broad insights needed to be a product and marketing expert later on.
OverviewWe are responsible for designing space, one of many brand assets of Hyundai Card, and planning and implementing content for that regard. Setting key directions and concepts on space, creating a variety of content fitting each space, and steadily executing branding campaigns for Hyundai Card’s corporate image are also what we do.
Career PathThe job of “branding space” lets you experience both conceptual and physical process, and both planning and execution work.
Advice for ApplicantsEffective branding means delivering consistent message in different voices, while taking steps in line with the corporate values the company pursues.
OverviewUX & Design of Hyundai Card is responsible for visually presenting and designing for the intangible finance, and also visually portraying experiences offered and values pursued by Hyundai Card. At the Design Lab of Hyundai Card, you can acquire more diverse design work experiences than anywhere else, from corporate identity design to rubber glove design, and I am a part of it as a card plate designer. As card design is the core function of Hyundai Card’s design, I feel a grave responsibility, but also I feel proud and want to do my job better, because design is the closest contact point for customers to feel who we are. It may be just a tiny 85.5mm x 54 mm sized piece of plastics, but it contains hours of design works, technologies and service offerings carefully crafted for customers.
Career PathYou can grow into a designer who knows both width and breadth. Moving beyond typical product design, designers at Hyundai Card deal with calligraphy, photography, subculture, printing, video, interior, scent, illustration, advertisement etc., and build diverse experiences in a broader world than design. The opportunity should provide you with the great venue to learn about diverse culture and expand imagination, not being specialized in just one design field.
Overview“While traditional card payment transaction grows at 5% per year (in the US), PLCC is growing at 7 to 8%” (2016, Nomura Securities report)
Advice for ApplicantPLCC is the core business to be the next big driving engine following M-Card. You can gain broad and deep insights into the credit card business as you experience our business insights, big data analysis and relationship management with top-class client brands.
OverviewOur responsibilities include planning and developing auto financing products, managing their P/L and also presenting future directions of business based on market analysis. We are committed to leading and making changes in the largest captive auto financing company in Korea and the market as a whole.
OverviewWe are responsible for developing mid- and long-term strategy for financing business, and planning personal finance products including credit loans, auto loans and housing loans. Marketing strategy for each product is designed based on customer data analysis, and we set up a foundation to make the best offer to each customer.
Career PathYou can have a great opportunity to grow into a financing expert after gaining broad experiences in planning and management for all personal finance products including credit loan, auto loan and housing loan. With modeling, big data analysis and other data capabilities acquired, you can also expand your career into other fields.
OverviewCorporate finance is a broad business of offering credit lines and financial solutions to corporate customers, improving corporate values and generating interest and fee incomes. Due to the larger volume of credit lines offered than personal finance, it requires not just risk management perspectives to prevent defaults, but also strategic perspectives to create stable and sustained income streams. We are like “headquarters” of corporate finance, designing strategies for value creation, developing and implementing products for strategic execution, and supporting sales activities.
Career PathYou can enhance communication skills and analytical thinking skills, as you interact with corporate customers and industry people to identify new business opportunities.
Advice for ApplicantsThe job covers A to Z of corporate finance, and thus requires positive thinking, communication skills and can-do attitude more than anything else.
OverviewHR is the keystone of every corporate strategy. It is because a company’s strategy ultimately hinges on who executes what values. HR at Hyundai Card and Hyundai Commercial serves as a key pillar for business strategy execution.
OverviewAt the center of Hyundai Card and Hyundai Commercial lies our corporate culture which represents our unique way of working which is to ask fundamental questions that really matter and to value autonomy and efficiency. The power of our corporate culture stems from pride. Corporate culture of Hyundai Card and Hyundai Commercial evolves every day to enhance the employees’ sense of pride ranging from working environment to way of working.
Career PathThe corporate culture planning job requires in-depth understanding on corporate strategies, employees’ way of working, thinking and living, and is to plan and implement new programs, policies and ideas for effective working environment.
Advice for ApplicantsBeing a part of Corporate Culture Team means you represent the company both internally and externally. You are expected to attentively listen to organization members, and asking good questions should be a part of your life all the time, rather than just accepting what is given.
OverviewWe strategically deliver message for Hyundai Card and Hyundai Commercial regarding their corporation, products and services via diverse media, with an aim to improve corporate image and brand value, and drive up product sales and marketing impacts.
Career PathPR plays a bridging role between company and media, which is why you can enhance communication skills with external stakeholders as well as internal functions. You will learn how to promote the companies’ products and services to the public, and sell your ideas to different stakeholders. Your analytical and fast problem-solving skills will be also upgraded as you deal with unexpected issues of different kinds.
Advice for ApplicantsPR covers a broad range of areas, and performing an effective role in PR requires steady endeavors to sharpen job competencies, including logical thinking for effective communication and networking skills. You are often required to engage with media as a spokesperson of the companies, and thus should be more careful than anybody else about what you say and how you act. However, it makes you feel so much proud of making meaningful contributions to the organization. The best thing you can get is outstanding communication skills honed amid diverse issues and changing environments, something you cannot gain in other functions.
OverviewFor a credit financing company with no deposit business, financing is one of the most essential functions. Treasury Department oversees overall capital planning and financing, and my job is to facilitate financing by supporting investor relations.
Career PathTreasury Department is the best starting place to get exposure to the capital market as someone seeking finance career. In particular, IR is special in that it connects businesses and the capital market. You are expected to take a balanced perspective, promoting the corporate value to the external audience, but also sharing their feedback with internal stakeholders at the same time.
OverviewFor one single credit card to be issued, multiple layers of operational steps should be taken including application, underwriting and approval. Advanced IT system is a must-to-have for financial institutions to ensure efficient business operations.
Career PathYou can be a global process innovator who leads the planning and implementation of business-IT convergence. Strong understanding into internal IT system supporting different financial products can be leveraged in any function later on, and should be a unique asset in designing and maintaining the products from a user perspective.
OverviewWe are responsible for developing operation strategies for financial businesses in foreign countries where Hyundai and Kia Motors have operations, and designing plans to advance into new markets, in order to promote global sales of the two car manufacturers.
Career PathThe job will equip you with company-wide perspectives on sales, marketing, HR, infrastructure investment, finance, accounting, treasury, tax etc. You can also gain comprehensive insights to assess how each and every business decision affects overall business operations.
OverviewWe are responsible for supporting Hyundai and Kia Motors’ sales overseas by closely collaborating with 9 global entities of Hyundai Capital, and Hyundai and Kia Motors.
Career PathThe job often requires collaborating with Hyundai Capital global entities and Hyundai and Kia Motors. You can get a good opportunity to gain in-depth understanding on local markets, automobile sales and financial business, and to effectively communicate with diverse stakeholders in the course of performing the roles.
OverviewHyundai Capital has been steadily expanding its global business.
Career PathYou can develop into a global HR expert with diverse insights.
OverviewWe are responsible for underwriting new credit card applications based on a customer’s credit rating to maintain optimal business portfolio with balanced risk and profit, and developing risk strategies in setting credit card limits.
Career PathDeveloping risk strategies involves analyzing not just credit rating of customers, but also their ability to pay, card spend patterns and spending patterns from a multi-faceted perspective, and assessing potential risks. You also come up with strategies to rapidly adapt to changes in line with paradigm shift in the industry by taking into account diverse risks.
OverviewWe are responsible for developing and validating credit rating model, with focused efforts on machine learning and big data analysis capabilities in recent days.
Career PathPerforming multiple roles ranging from basic data handling to machine learning, you can develop into a data scientist.
Advice for ApplicantsData modeling is the main job, but it requires not just analytical skills, but also logical decision-making and strong understanding of how things work. So it is not just for a few people majoring in data modeling. All you need is curiosity to learn more about data and new technologies to develop into a modeling expert.
OverviewWe are responsible for managing a model forecasting expected loss (EL) based on historic performance.
Career PathRisk Management is one of the fundamental functions in maintaining financial stability of a company, although its role is not that visible. What we do is to keep giving assurance to internal and external stakeholders on whether we are well responding to current risks and capable enough to deal with future risks as well.
OverviewHyundai Card has a clear goal of creating value as a financial services based on big data and digital. We are working with higly experiened data scientists, AI experts, frontend & backend engineers, PMs, platform engineers and other talented experts with diverse backgrounds and offer new data-driven value enabled by 'Super Customization' to our customers. To this end, we are making efforts such as building a big data platform/data pipeline, developing/applying data frame on marketing, conducting machine learning-based data analysis and developing platforms, getting ourselves prepared for the future business.
Career PathAs regulations on data are easing and technologies are rapidly developing at the same time, tech and data jobs have become the most sought-after jobs now. Hyundai Card is investing in tech and data initiatives internally to bring continuous innovation to the company as we are one of the leaders in digital transformation initiatives in the industry. If you take on a role of leading data-driven engineering projects at a financial company which has large and diverse volume of data, it would work to your advantage because you will be able to try new things that you would not be able to experience in other industries. At the same time, you can increase your level of expertise from research and work experience in key digital areas such as machine learning/algorithm/search/platform development, etc.
OverviewAs the landscape of the digital business has been reshaped, we compete with the old and new - ranging from the existing financial corporations to digital-native brands including ICT portals, internet banks, and mobile payment companies.
Career PathAs digitalization accelerates, boundaries between business are gradually breaking down. In this digital ecosystem, Hyundai Card is taking the lead on achieving digital innovation. As a person in charge of digital services, you will be the insightful who is able to keep up with industry trends while having your feet down on earth with our users. With such experience, you will grow as an all-round digital expert who plays a pivotal role in the era where all businesses, including finance, are going mobile.
OverviewWe look after A to Z to offer the most convenient and safest payment services to our members. We are planning and operating online/mobile/O2O payment services and taking care of the payment system. We are also finding improvement opportunities for/operating Hyundai Card app card and Payshot service and expanding our services by partnering with terminal-based mobile payment & digital wallet services such as Samsung Pay, LG Pay, Android Pay, etc. and on/offline payment services such as Payco, Smile Pay, etc. to improve customer convenience in payments. We plan to expand into Open Payment which aims at finding new payment services that combine innovative fintech technologies including a more secure biometric authentication mechanism Fast Identity Online or FIDO and Connected Car Pay in partnership with Hyundai Motor, moving beyond Hyundai Card payment.
Career PathYou will be able to quickly understand the new digital technology trends and plan/create different services based on your understanding. While taking on a role of looking after/operating Hyundai Card's digital payment services, you can have a full grasp of the entire process from planning to operations of digital payment service and be developed into a fintech expert in the payment/authentication fields. You will be able to take the lead in planning digitalization in payment which is the key function of credit card.
OverviewWe set up/operate AI services to communicate with customers using AI technology such as chatbot and callbot and find diverse use cases based on blockchain technology to validate technological effectiveness and form a business foundation. We are also focusing on further developing our own business/technology capabilities based on close cooperation with the related tech companies home and abroad.
Career PathYou will be able to quickly understand rapidly growing AI and blockchain market/technology trends and also find/plan new business and service opportunities based on state-of-the-art technologies and create/operate customer services. Since your job here will let you experience overall digital service planning/operations which are replacing the existing duties extensively and expanding rapidly, you can be developed into a genuine expert in the new business area.
OverviewInsurance aims to lower risks for individuals by quantifying a variety of risks expected in our life and spreading them out across a large number of people.
Career PathActuaries can build a broad range of experiences in insurance companies in product development, actuarial, risk management, business planning, sales, policy administration etc., and acquire diverse work skills. They can also serve in different key positions and develop into CFO, CRO, COO and CEO.
OverviewHyundai Life’s Asset Management Division develops investment portfolio management strategies and invests in a variety of assets including equities, bonds and alternatives to gain profits.
Career PathAsset management in insurance business involves analysis, review and decision-making by multiple functions. Not just front-office functions leading the investment, but also middle and back office functions, risk management and other business units work together for cross-functional assessment and make the final decision at an internal decision-making body.
OverviewWe are responsible for planning and executing sales strategies for diverse products via face-to-face distribution channel, and managing sales forces.
Career PathThere are two career paths in the card sales function.
OverviewFinancial institutions should inevitably suffer loss from non-performing loans, but Hyundai Capital has one of the lowest loss rates in the industry thanks to its Collection organization as a line of defense.
Career PathAt collection branches, you can eye-witness how collection strategies actually work in the field. You will gain strong understanding on how to develop best strategies by combining strategic execution experiences with insights from data and index.
© HYUNDAI CARD CO.