Established in 1974, BCM has been one of the leading financial institutions in Macau providing comprehensive and consolidated financial products and services, actively serving its customers and contributing to the development of the Territory's economy with 14 branches and self-service banking centres covering all over Macau.
As an employer, BCM emphasizes employer-employee commitment with the aspiration of making BCM not just a bank, but a home. In addition to providing its staff members with a comprehensive remuneration package and benefits, BCM actively advocates and promotes Staff Engagement, Work-Life Balance and two-way Communication through establishing an open and engaging corporate culture. Management of BCM is committed to build the organization as one of the best work places in Macau, such that our staff can be at their best to learn, grow, achieve and contribute, for a fulfilling career. We recognize the hard work of our staff and value their ideas, providing ample opportunities for them to speak up. If you are looking for a career instead of a job, BCM is the right place for you to set off your career path.
We are inviting competent and highly-motivated candidates to join us in providing the highest standard of financial services to our customers. Invest in your future by joining us to invest in your career!
(All information provided will be treated in strict confidentiality and used solely for recruitment purposes and handled by the Human Resources Department of the Group Head office and BCM Bank at the same time.)
SJM Holdings Limited is the holding company of SJM Resorts, S.A. , one of the six companies authorized to operate casino games of fortune and other games of chance in casinos, under the terms of a concession granted by the government of the Macau Special Administrative Region in March 2002. SJM is the only casino gaming concessionaire with its roots in Macau.
Fidelidade – Companhia de Seguros, S.A. (hereinafter referred to as “Fidelidade”) is one of the oldest insurance companies in Europe. Fidelidade arises from the merger between two insurance companies, Fidelidade-Mundial and Império-Bonança whose origins date back to the year 1808.
In the Macau SAR, Fidelidade is duly authorized to perform insurance activities through two branches for life (including private pension funds) and non-life insurance businesses since 1999. Fidelidade has been servicing Macau with a diversified range of solutions for the protection of individual customers and companies.
Management and implementation of Reinsurance Policy and Framework
Technical support to superiors on treaty renewal, system updates and daily operations
Ensure a smooth renewal of treaty reinsurance programs to enable the protection of existing business and alignment of the Company’s standard
Provide timely and accurate statistical reports/data for management’s review on treaty and facultative results
Prepare the regular reinsurance treaty related bordereaux
Monitor the exposure including fire accumulation and underwriting limit checking
To assist in reviewing the update risk profiles, catastrophe data, major loss status summary and other underwriting information package
To assist in identifying system needs, prepare user requirement, follow up with IT and ensure all R/I transactions report generated in system are correct and meet timeline
Managing business relationships with reinsurers and cedents
職位要求 Requirements
工商管理相關學士學位
具備 5 年保險領域的工作經驗
具備再保險知識者優先
持有保險或相關專業文憑
持有ANZIIF/ACII或同等認可的保險專業資格者優先
良好的中英文書寫和溝通能力
具備數據分析與解讀能力
具備紮實的再保險經驗
Degree in Business related studies
5 years’ working experience in the field of insurance
Preferable to have reinsurance knowledge
Diploma holder in insurance and any related discipline
Recognized insurance qualification ANZIIF / ACII or equivalent preferred
Good in spoken and written English and Chinese
Data analysis and interpretation
Experience in reinsurance field with solid background
精算部 - 高級精算師 Actuarial Department - Senior Actuarial Manager
5 + years of experience in life actuarial and at least 3 years of professional experience as a senior actuary
Fellow of the Institute and Faculty of Actuaries, United Kingdom (FIA); or Fellow of the Institute of Actuaries of Australia (FIAA); or Fellow of the Society of Actuaries, United States of America (FSA), or a qualification that may be accepted by the AMCM if it is comparable to those previously mentioned
Solid experience in product development
Experience of working within the scope of the Solvency II Regime (European Framework)
Higher education in Mathematics, Actuarial Science or Statistics
Ability to communicate in English and at least one of the official languages (Portuguese or Chinese) (written and spoken)
人力資源及總務部 - 公司司機 Human Resources & General Affairs – Driver
Ref. no.: FM.02.092026
職位內容 Responsibilities
接載公司管理人員，配合管理人員用車需要
保持車輛整潔和得體，並負責日常維修保養
確保管理人員及乘客在接載期間的安全
規劃高效率路線，避免延誤，準時到達。根據行程變更或交通狀況調整路線
負責派送文件及外勤工作
完成上級安排的其他工作
Provide driving services for company executives as required
Keep the vehicle clean and presentable at all times, and handle routine maintenance
Ensure the security of the executives and passengers during transportation
Plan the best routes to avoid delays and arrive on time. Adjust routes according to schedule changes or traffic status
Handle document delivery and outdoor tasks
Perform any other duties assigned by superiors
職位要求 Job Requirements
中學程度
誠實有禮、守時勤奮和有責任感
良好中英文溝通能力
具良好駕駛記錄
具5年或以上司機工作經驗，有接載老闆經驗者為佳
持澳門居民身份證，本澳私家車、電單車駕駛執照及國內駕駛執照，三年以上駕駛經驗
Secondary school education or equivalent
Honest, polite, punctual, hardworking and highly responsible
Good communication skills in both Chinese and English
Clean driving record with no major traffic violations
At least 5 years of professional driving experience; experience in driving company owners is preferred
Macau Permanent Resident ID holder, with valid Macau driving licenses (light vehicle & motorcycles) and a Mainland China driving license; minimum 3 years of driving experience required
商務部 - 經理 Commercial Department - Manager
Ref. no.: FM.03.082026
職位內容 Responsibilities
監控及管理商務部日常運作, 主要負責發展保險經紀及商業客戶
部署和執行公司業務增長戰略
與客戶經紀人建立並保持良好的關係
尋找不同的業務發展渠道和機會
分析不同銷售報告來到衡量目標實現情況
分析數據並創建報告以確定業務增長領域
激勵團隊成員共同完成銷售目標
Oversee daily operations of the Commercial departments, focusing in corporate and broker channels
Deploy and execute company strategies
Develop and maintain strong relationships with clients and brokers
Identify opportunities for new business development
Review performance and sales reports to measure productivity and goal achievement
Analyze data and create reports to identify areas of business growth
Motivate team members to collectively achieve business objectives
職位要求 Job Requirements
工商管理，金融學相關學士學位
必須擁有最少 4 年管理及保險銷售經驗
有良好溝通和演講技巧
解決問題的能力強
有能力於壓力下工作
精通英語，普通話及粵語
ACII ，ANZIIF或其他保險專業資格者優先
澳門居民優先
Degree holder in Business Administration or related disciplines
Minimum of 4 years’ track record in insurance sales and management skills
Excellent in negotiation, presentation, and communication skills
Strong problem-solving abilities
Ability to work under pressure
Proficiency in English and Chinese (Cantonese and Putonghua)
Professional qualifications such as ACII or ANZIF is an advantage
Develop and execute the company's overall investment strategy, ensuring alignment with the liability profile, risk appetite statement and capital adequacy requirements in support of long-term corporate objectives
Manage the company's investment portfolio across fixed income, listed equities, private debt, funds, structured products and real-estate-related investments, with ultimate accountability for investment performance
Lead asset-liability management (ALM), coordinating asset duration, yield targets and liquidity planning to support the crediting commitments of participating, savings and universal life products
Establish and continuously enhance the investment governance framework, investment policy statement and risk limit system, ensuring compliance with AMCM and group regulatory requirements
Manage investment-related regulatory capital charges (HKRBC/solvency framework), optimizing capital efficiency and risk-adjusted returns within a controlled risk envelope
Select, appoint and oversee external fund managers, custodians and investment advisors, reviewing their performance, fee reasonableness and risk controls on a regular basis
Lead due diligence and transaction structuring for cross-border investments, including European private debt, structured finance, managed accounts and premium-financing-related assets
Work closely with actuarial, finance and risk management teams to support investment valuation, accounting classification and financial reporting under IFRS 9/IFRS 17
Report regularly to the Executive Committee, the Board and the group investment committee on investment performance, risk profile and market outlook
Evaluate innovative investment opportunities (including alternative credit strategies and digital-asset-linked products), driving strategic synergy between the investment and product functions
Degree holder or above in Finance, Economics, Mathematics or related disciplines; CFA, FRM or equivalent professional qualifications preferred
7+ years of experience in asset management, insurance investment or cross-border investment, with at least 5 years in an investment management or team leader capacity and a proven track record
Solid understanding of insurance capital deployment and capital management frameworks (HKRBC/Solvency II); experience in regulatory capital charges and risk appetite statement development preferred
Hands-on experience across asset classes, including fixed income, private debt, structured products and fund investments；experience in global asset managers or insurance asset managers preferred
Familiar with cross-border investment structures and compliance requirements; experience with Hong Kong SFC-licensed businesses and Irish/Luxembourg fund structures preferred
European market investment or due diligence experience preferred; familiarity with Portuguese/European insurance group operations a strong plus
Outstanding financial modelling, valuation and investment analysis skills, with the ability to independently design transaction structures and run sensitivity analyses
Excellent communication and reporting skills, with the ability to clearly present investment strategy, portfolio performance and risk profile to the Board and group level
Proficiency in written and spoken English and Chinese; knowledge of Cantonese and Mandarin would be preferable
Macau ID or Hong Kong residency preferred
商務部 - 助理總經理 / 副總經理 Commercial Department - Assistant General Manager / Deputy General Manager
Ref. no.: FM.01.082026
職位內容Responsibilities
監控及管理商務部和銀行保險部門的日常運作
部署和執行業務增長戰略
與客戶、銀行代理和經紀人建立並保持良好的關係
尋找不同的業務發展渠道和機會
分析不同銷售報告來到衡量目標實現情況
激勵團隊成員共同完成銷售目標
Oversee daily operations of the Commercial and Bancassurance departments
Deploy and execute company strategies
Develop and maintain strong relationships with clients, banks, agents, and brokers
Identify opportunities for new business development
Review performance and sales reports to measure productivity and goal achievement
Motivate team members to collectively achieve business objectives
職位要求Requirements
工商管理，金融學相關學士學位
必須擁有最少 10 年管理及保險銷售經驗
具有最少 5 年管理經驗
擁有豐富銷售管理，渠道開發，直銷和戰略設計方面經驗
有良好溝通和演講技巧
解決問題的能力強
在能力於壓力下工作
精通英語，普通話及粵語
FLMI或AAII其他保險專業資格者優先
澳門居民優先
Degree holder in Business Administration or related disciplines
Minimum of 10 years’ track record in insurance sales and management skills
Minimum of 5 years’ working experience in senior role
Solid experience in sales management, channel development, direct selling, and strategy design
Excellent in negotiation, presentation, and communication skills
Strong problem-solving abilities
Ability to work under pressure
Proficiency in English and Chinese (Cantonese and Putonghua)
Professional qualifications such as FLMI and AAII is an advantage
Develop and implement strategies aiming to promote the organization’s mission
Create complete business plans for the attainment of goals and objectives, participating with is vision for the key strategic plans, ensuring the company fulfills its fiduciary duty, acting in the best interests of its investors and employees
Build an effective team of leaders by providing guidance and coaching to department managers
Ensure adherence of the company’s daily activities and long-term plans to established policies, legal guidelines respecting ethical standards
Direct and oversee investments
Forge and maintain trust with shareholders, partners and external authorities
Act as the public speaker and public relations representative of the company in ways that strengthen its profile
Analyze management reports and decide on measures that add value to the company's financial and non-financial situation
Higher degree in Mathematics, Actuarial Science, Finance or any other relevant fields
Minimum 8-10 years’ managerial experience and proven track record as Executive Director or similar roles
15+ years in actuarial, risk and financial management will be preferable
Diversified technical work experience covering a wide range of area including pricing and risk assessment of insurance products, actuarial valuation and reporting, asset and liability management, enterprise risk management, risk assessment and control, capital management (HKRBC/Solvency II), development of risk appetite statement, IFRS and investment portfolio management
Experience in developing strategies and plans
Strong understanding of corporate finance and measures of performance
In depth knowledge of corporate governance principles and managerial best practices
Strong analytical abilities and problem-solving skills
Outstanding organization and leadership abilities
Proficiency in written and spoken and written English and Portuguese; knowledge of Chinese would be preferable
Strong technical and project management skills
Excellent communication and public speaking skills
Claims Handling in both life and non-life business
To implement, maintain and monitor all claims settlement of portfolio to ensure compliance with company standards and procedures
To monitor and control all claims settlement to ensure adequate provision is made for outstanding claims payment for solvency
To evaluate, and make recommendations on Claims Settlement if claims to management
To monitor trends in claims and provide necessary statistical information and reports for senior management and other departments
Preparation of statistical report to the insurance authority, i.e. claims data of Employees Compensation Insurance, Motor Insurance and Medical Malpractice Insurance, etc.
To provide instruction to external professionals like adjusters, surveyors and lawyers with respect to coverage, investigation and ultimate settlement including direct participation in court/mediation and arbitration in claim settlement
To pursue all avenues of recovery including timely recovery of deductibles from insured and to manage subrogation activities
To review policy on setting reserves on a regular basis to ensure adequacy
Initiating and /or attending courtesy visits to meet with important business partners,
To develop and implement claims guidelines/claims manual to all claims staff
To review policy and procedure regarding claims management on a regular basis to ensure adequacy and efficiency and to update claims manual on a regular basis
To provide training for claims staff
To develop /revamp claims system to ensure company’s effectiveness and efficiency in handling claims
To monitor claims services standard from time to time
職位要求 Requirements
大學畢業或以上學歷
10 年以上理賠管理經驗
良好英文及中文的溝通及書寫能力
良好電腦操作技能及文書處理能力，尤其Word 及Excel
優秀的溝通及人際交往能力
良好的分析及理解能力
以客戶為先、積極主動
細心、主動、獨立，並能在壓力下工作
熟悉保險產品和相關法律知識
University graduate or above
10 years’ experience in claims management
Good command of spoken and written English and Chinese
Good knowledge of PC applications, especially Word and Excel
Effective communication and interpersonal skills
Good analytical and comprehension skills
Customer-oriented, pleasant personality
Detail-oriented, proactive, independent, and able to work under pressure
Familiar with insurance products and legal knowledge
退休金部 - 銷售經理 Pension Fund Department - Sales Manager
Ref. no.: FM.02.092025
職位內容 Responsibilities
制定並執行有效的退休金產品銷售策略
識別並鎖定關鍵客戶群，並專注於企業和個人客戶
達到年度目標
與企業客戶和經銷商建立及維持長期合作關係
向客戶進行退休金計劃的推廣和諮詢
滿足客戶需求和處理客戶顧慮，確保客戶滿意度和保留率
此職位直接匯報給業務發展部及需定時完成業務發展部指派的工作
Develop and execute effective sales strategies for our pension fund products.
Identify and target key client segments, focusing on corporations and individuals.
Achieve annual targets.
Build and maintain long-term partnerships with corporate clients and distributors.
Conduct presentations and consultations of pension schemes to clients.
Ensure client satisfaction and retention by addressing their needs and concerns.
This role requires direct reporting to Business Development Department and shall fulfill duties delegated by Business Development Department.
職位要求 Requirements
大學本科或以上學歷，主修金融、市場營銷、傳播學
3年商業銷售，業務發展/退休基金經驗，具金融服務或人壽保險業優先
對退休金產品和市場動態有深入了解
卓越的溝通和表達技巧
能夠與利害關係人建立並維持良好關係
University degree or above, majoring in Finance, Marketing, Communications.
3 years’ experience in commercial sales, business development/Pension Fund, preferably within the financial services or life insurance industry.
Strong understanding of pension products and market dynamics.
Excellent communication and presentation skills.
Ability to build and maintain relationships with key stakeholders.
申請職位 Application
Interested parties please send a full resume with a recent photo to HR@fidelidade.com.mo OR submit it in our Office Address at Av. Praia Grande 567, BNU Building 14/F, Macau (China), Monday to Friday (09:00 – 17:30).
