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Ping An Insurance Group · 深圳市

# 产品经理（全损车）

深圳市 

Listed on Ping An Insurance Group’s official careers site. Posted September 28, 2026. Check that it is still open and apply there.
[Apply on Ping An Insurance Group’s careers site →](https://talent.pingan.com/recruit/position.html?positionId=3830354EBE30466890D055E71FD9F8D4)

[OpenNash Jobs](https://jobs.opennash.com/) / [Ping An Insurance Group](https://jobs.opennash.com/companies/ping-an-insurance/) / 产品经理（全损车）

## Job description

岗位职责 岗位职责
- 明确产品范围。覆盖推定全损建议、保全入场、残值竞拍、资金回款、车辆过户或报废归档。推定全损结论仅作为决策建议，审批权限归属于产险；残值锚点及服务商选择以现网询价结果为准。
- 建设残值竞拍系统。制定报价资格、开拍时点、锚价应用规则，以及无法承接时退回现网的处理机制。可修复车辆转入现网处置；拆解报废车辆参与残值竞拍，并直接对接具备资质的报废回收企业。成交、提车及证明材料纳入同一工单管理。
- 建设资金管理系统。实现询价、成交与到账数据一致，执行先款后车。建立委托及代收代付、资金进出账、系统回单等机制。款项未到账不得办理提车；对金额不符、超时未达等异常建立追溯机制。
- 衔接保全环节。推定全损确认后，车辆进入合作保全点，实行工单化进出管理及协议限价。
- 组织上线验收。会同运营岗位，以真实案件完成全流程验证，重点核验推定全损准确性、残值款项一致性，以及车辆与证明材料的闭环管理。 任职资格 任职要求 三年以上产品工作经验，具备独立负责业务系统上线的经历。 熟悉车险定损、推定全损、残值及赔付业务。具备全损、残值拍卖或汽车金融处置相关经验者优先。 具备资金、对账或分账类产品经验，能够将资金与车辆处置规则转化为可执行方案。 能够统筹保险公司、残值服务商、保全机构及报废回收企业的业务要求，形成统一产品方案。

## At a glance
- Posted by the employer: Sep 28, 2026
- First seen by OpenNash: Oct 20, 2026
- Last checked: Oct 20, 2026
- Listed for: 22 days
- Location: 深圳市[Apply on Ping An Insurance Group’s careers site →](https://talent.pingan.com/recruit/position.html?positionId=3830354EBE30466890D055E71FD9F8D4)

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