Human skills you need for a career in finance
AI and new technology are changing how we work. Technical skills still matter, but human (or 'soft') skills are just as important. We look at which ones matter most if you want to get ahead in your finance career.
“AI is coming for our jobs. The robots are taking over.”
You’ve probably heard this. You may even be worried about it.
The truth is, no one knows exactly how much artificial intelligence (AI) and automation will transform the finance industry, but one thing’s certain – change is happening fast.
From risk modeling to customer service, technology is already reshaping the way financial organizations operate.
But here’s the thing: in a world where machines are doing more, the value of human skills is actually increasing. Yep, you read that right. Organizations are placing more value on skills that algorithms can’t replicate.
In fact, these human skills are no longer “nice to have.” They’re essential complements to technical ability.
Why? Because while AI can crunch numbers and generate reports, there are still many things that only humans can do:
- Build trust with clients and colleagues
- Lead teams through change and uncertainty
- Make complex decisions with ethical and emotional context
- Understand nuance in client goals and business needs
- Navigate grey areas in regulation and policy
To stand out—and stay ahead—it’s important to have both technical and human or ‘soft’ skills.
But which matter most in finance? Here are our top picks…
1. Communication
Perhaps an obvious one to start with, but important nonetheless. Being able to communicate – whether it’s with colleagues, clients, investors, or other stakeholders – is vital in all industries but especially in finance.
You might be breaking down a complex investment product for a client or explaining regulatory risks to your team. Whatever the situation, strong communication builds trust and drives better outcomes.
2. Critical thinking and problem-solving
Nothing in life is black and white—and the world of finance is no exception.
Whether you’re client-facing, middle office, or back office, every decision you make involves navigating grey areas, weighing risks, and assessing incomplete or complex information.
Being a critical thinker and problem solver means you’re able to make the best decision for your business or your clients by assessing situations from multiple angles and challenging assumptions.
3. Adaptability
Markets move, regulations change, tools launch, clients change their minds. It’s fair to say in finance, no two days are the same.
You might have a plan—until a sudden global event, new compliance rule, or surprise client call changes everything
There’s no room for panic. You need to be able to think on your feet and stay calm in the face of constant change if you want to do well in the fast-paced financial world.
4. Empathy
Empathy is the ability to understand what others are feeling, see things from their point of view, and imagine yourself in their position.
Whatever your role in finance, empathy will help you do it better.
You’ll build stronger relationships with clients and colleagues, lead with greater emotional intelligence, communicate more effectively by tailoring your message to your audience, and make more thoughtful decisions by considering the human impact behind the numbers.
5. Leadership and decision-making
If you’re aiming for the top, strong leadership and decision-making skills are a must. And it’s not just about managing a team (though that matters too). It’s about guiding people through all the change that comes with this industry—market swings, new technology, evolving regulations.
It’s also about building trust, both inside your business and with your clients. Good leaders set the tone, bring out the best in their teams, and create a clear vision for where things are headed.
6. Conflict resolution
Conflict is inevitable in finance—whether it’s with clients, colleagues, or other stakeholders. With so much on the line (from people’s financial futures to a firm’s bottom line), disagreements are bound to happen.
That’s why strong conflict resolution skills are so valuable. Being able to handle tough conversations calmly and constructively will make you a trusted, go-to member of any team.
7. Collaboration and teamwork
In finance, being able to work well with others is non-negotiable. Decisions are rarely made in a vacuum.
Whether you're in investment banking, compliance, asset management, or advice, collaborating effectively means: better decision making, fewer mistakes, faster execution and better client results.
Hone your skills
These are just a few of the human skills that can really make a difference in your finance career. There are plenty more, of course—but this is a solid place to start.
And the best part is these skills can be learned. Not from a textbook or online course, but through real-life experience—by trying things out, making mistakes, learning from others, and improving as you go.
Explore more articles about essential skills in finance:
In the age of AI, it’s human skills that employers want
The financial sector is undergoing a skills revolution
What skills will finance workers and organizations need in an uncertain future?
How the financial industry is preparing its next generation of leaders
You may also be interested in
16 May 2025
How to support your loved one during exams
Explore our programs and certificates
CFA Institute offers a diverse range of programs and certificates designed to meet the needs of finance professionals across various career stages and specializations.
