Personal Financial Consultant

RHB Group; Kampung Malaysia Tambahan; On-site; MYR 60,000 - 90,000; Full time

Job summary

RHB Group in Kuala Lumpur seeks an experienced financial advisor to proactively identify and onboard new individual clients. You will conduct comprehensive financial needs analyses, develop tailored plans, and recommend suitable products to help clients achieve their goals.

You will educate clients on features and risks, monitor portfolios, and ensure compliance with policies and regulations while collaborating with wealth managers to deliver holistic solutions.

Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or related field.
• Minimum 2-3 years of experience in personal financial advisory, sales, or banking, preferably in retail banking.
• Excellent communication and interpersonal skills with the ability to build trust with clients.

Responsibilities

• Identify, acquire, and onboard new individual clients through referrals, networking, and outreach.
• Conduct financial needs analysis and risk assessments to understand clients' position, goals, and risk tolerance.
• Develop and present tailored financial plans and investment strategies aligned with clients' objectives.
• Recommend financial products including savings accounts, investment funds, insurance, loans, and wealth management solutions.
• Educate clients on products, explaining features, benefits, and risks.
• Monitor client portfolios and provide ongoing advice, performance reviews, and adjustments as needed.
• Ensure all interactions and transactions comply with internal policies and regulatory requirements.
• Collaborate with product specialists and wealth managers to deliver comprehensive solutions.
• Maintain accurate client records and prepare relevant reports.
• Stay informed on market trends and regulatory updates affecting financial products.
• Achieve individual sales targets and contribute to branch performance.

Skills

Client acquisition

Needs analysis

Financial planning

Regulatory compliance

Communication

Presentation

Team collaboration

Education

Bachelor's degree in Finance/Economics/Business Admin

Certifications such as FIMM, PCE, CEILI, or TBE

Tools

MS 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.

• 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.