Personal Financial Consultant

RHB Group; Johor Bahru; On-site; MYR 60,000 - 90,000; Full time

Job summary

RHB Group in Johor Bahru is seeking a proactive Financial Advisor to identify and onboard new individual clients, perform financial needs analyses, and craft tailored investment plans. The role involves recommending products, educating clients on benefits and risks, and maintaining client portfolios.

You will collaborate with wealth managers to deliver comprehensive solutions, ensure regulatory compliance, and strive to meet and exceed sales targets in a fast-paced retail banking environment.

Qualifications

• Bachelor’s degree in Finance, Economics, or related field.
• 2–3 years of experience in personal financial advisory, sales, or banking.
• Knowledge of investments, insurance, loans, and wealth management.
• Certifications such as FIMM, PCE, CEILI, or TBE are an advantage.
• Strong communication and presentation skills.

Responsibilities

• Identify, acquire and onboard new individual clients via referrals, networking, and outreach.
• Conduct financial needs analysis and risk assessments.
• Develop tailored financial plans and investment strategies.
• Recommend savings, investments, insurance, loans, and wealth products.
• Educate clients on products, features, benefits, and risks.
• Monitor portfolios and provide ongoing advice and reviews.
• Ensure compliance with policies and regulatory requirements.
• Collaborate with product specialists and wealth managers.
• Maintain accurate client records and prepare reports.
• Stay updated on market trends and regulatory changes.
• Achieve sales targets and contribute to branch performance.

Skills

Client acquisition

Financial needs analysis

Investment planning

Sales targets

Communication skills

Regulatory compliance

Education

Bachelor’s degree in Finance/Economics/Business Admin

Tools

Microsoft Office

Job description

• Proactively identify, acquire, and onboard new individual clients through various channels such as referrals, networking, and outreach activities.
• Conduct comprehensive financial needs analysis and risk assessments to understand clients’ current financial position, future goals, and risk tolerance.
• Develop and present tailored financial plans and investment strategies aligned with clients’ objectives.
• Recommend suitable financial products including savings accounts, investment funds, insurance, loans, and wealth management solutions.
• Educate clients on financial products and services, clearly explaining their features, benefits, and potential risks.
• Monitor client portfolios regularly and provide ongoing advice, performance reviews, and adjustments based on market conditions and client needs.
• Ensure all client interactions and transactions comply with internal policies, regulatory requirements, and ethical standards.
• Collaborate with internal teams such as product specialists and wealth managers to deliver comprehensive financial solutions.
• Maintain accurate and updated client records and prepare relevant reports.
• Keep abreast of market trends, economic developments, and regulatory updates affecting financial products and services.
• Achieve individual sales targets and contribute to overall branch and team performance.

Job Requirements

• Bachelor’s degree in Finance, Economics, Business Administration, or a related field.
• Minimum 2–3 years of experience in personal financial advisory, sales, or banking, preferably within a retail banking environment.
• Strong understanding of financial products and services, including investments, insurance, loans, and wealth management.
• Possession of relevant certifications such as FIMM, PCE, CEILI, or TBE will be an added advantage.
• Excellent communication, interpersonal, and presentation skills with the ability to build rapport and trust with clients.
• Strong analytical and problem-solving skills to assess client needs and recommend suitable financial solutions.
• Results-driven with a proven track record of achieving or exceeding sales targets.
• Ability to work independently as well as collaboratively in a fast-paced environment.
• Proficiency in Microsoft Office applications (Word, Excel, PowerPoint).
• Demonstrates a high level of professionalism, integrity, and ethical conduct.