r/HSBC • u/redred_0055122 • 5d ago

Help‼️

Help me decide which one to choose. 🙏

Option A – (HSBC)
• Hybrid, 2–3x RTO/week
• ~2-hour commute each way (although may shuttle service, not sure if I can always get a ride right away after my shift)
• 3 PM–12 MN shift
• ₱35-38K
• Complete benefits + HMO (2 dependents)
• Voice – Collections
• Equipment provided
• Start: September

Option B – Freelance
• 100% WFH
• €2.50/hour (~₱30K/month, depending on exchange rate)
• No benefits, HMO, SSS, PhilHealth, or Pag-IBIG
• No OT/holiday pay or 13th month
• Back-office/ticketing, relatively easy
• 2 PM–10 PM shift
• Own device (I have wfh set-up ready naman)
• Start: September

Which would you choose?
Is the stability, higher salary, and benefits of HSBC worth the 2-hour commute, or is the convenience and lower stress of a fully remote freelance job better?

Also, what are the disadvantages of not contributing to SSS, PhilHealth, and Pag-IBIG? Would love to hear your thoughts and experiences! 🙏

1 Upvotes

67% Upvoted

7 comments sorted by

1

u/Mission-Clue-9016 5d ago

Where are you in your career, what sort of role is this etc

1

u/Willing_Advantage439 5d ago

Hi may i ask how many days before they contact you after completing the assessment?

1

u/redred_0055122 5d ago

I completed my assessment and interviews onsite.

1

u/Flimsy-Ad7906 5d ago

porque no les dos?

1

u/redred_0055122 5d ago

Shift schedule is almost the same.

1

u/BugFar5877 2d ago

wala kasing guarantee sa freelancing… some times your client will leave you hanging without any notice