Personal Financial Consultant

RHB Investment Bank Berhad; Kuala Lumpur; On-site; MYR 40,000 - 72,000; Full time

Job summary

RHB Bank Berhad in Malaysia is seeking a Personal Financial Consultant to build and nurture client relationships, provide expert financial advice, and tailor banking and investment solutions to help individuals achieve their financial goals.

You will conduct needs analyses, develop personal financial plans, and advise on deposits, loans, investments, and insurance while meeting sales KPIs and ensuring compliant client records.

Qualifications

• Bachelor's degree in Finance, Banking, Business Administration, Economics, or a related field.
• 2–3 years of experience in financial services, preferably in client-facing roles such as financial advisory, wealth management, or retail banking.
• Industry certifications (e.g., FIMM, PCE, CUTE) are advantageous.

Responsibilities

• Proactively engage with clients to understand financial needs and objectives.
• Conduct comprehensive financial needs analysis including risk tolerance and horizons.
• Develop and present personalized financial plans covering savings, investments, insurance, retirement, and wealth management.
• Advise on a range of products including deposits, loans, unit trusts, insurance, and other investments.
• Achieve individual and team sales targets and KPIs for product penetration and client acquisition.
• Regularly review client portfolios to stay aligned with evolving situations and market conditions.
• Maintain accurate client records and comply with regulatory requirements and internal policies.
• Stay informed about market trends and new product offerings to provide timely advice.
• Collaborate with other departments to ensure a seamless client experience and cross-selling opportunities.
• Participate in ongoing training to enhance product knowledge and advisory skills.

Skills

Communication skills

Sales ability

Interpersonal skills

Presentation skills

Education

Bachelor's degree in Finance/Banking/Business Admin/Economics

Tools

MS Office

Job description

Here's a job description for a Personal Financial Consultant at RHB Bank Berhad: Personal Financial Consultant Company:** RHB Bank Berhad

Job Summary

The Personal Financial Consultant at RHB Bank Berhad is responsible for building and nurturing client relationships, providing expert financial advice, and offering tailored banking and investment solutions to help individuals achieve their financial goals.

Job Responsibilities

• Proactively identify and engage with potential and existing clients to understand their financial needs and objectives.
• Conduct comprehensive financial needs analysis, including assessing risk tolerance, investment horizons, and financial aspirations.
• Develop and present personalized financial plans and recommendations covering areas such as savings, investments, insurance, retirement planning, and wealth management.
• Advise clients on a range of RHB Bank's products and services, including deposits, loans, unit trusts, insurance products, and other investment instruments.
• Achieve individual and team sales targets and key performance indicators (KPIs) for product penetration and client acquisition.
• Regularly review and update client portfolios to ensure alignment with their evolving financial situation and market conditions.
• Maintain accurate and up-to-date client records and comply with all regulatory requirements and internal policies.
• Stay informed about market trends, economic conditions, and new product offerings to provide relevant and timely advice.
• Collaborate with other departments within RHB Bank to ensure a seamless client experience and cross‑selling opportunities.
• Participate in ongoing training and development programs to enhance product knowledge and advisory skills.

Job Qualifications

• Bachelor's degree in Finance, Banking, Business Administration, Economics, or a related field.
• Minimum of 2-3 years of experience in financial services, preferably in a client‑facing role such as financial advisory, wealth management, or retail banking.
• Possession of relevant industry certifications (e.g., FIMM, PCE, CUTE) is highly advantageous.
• Strong understanding of financial products, investment principles, and wealth management strategies.
• Excellent communication, interpersonal, and presentation skills with the ability to build rapport and trust with clients.
• Demonstrated sales acumen with a proven track record of achieving targets.
• Ability to work independently and as part of a team in a fast‑paced environment.
• Strong analytical and problem‑solving skills.
• High level of integrity and commitment to ethical conduct.
• Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).
• Fluency in English and Bahasa Malaysia is required; proficiency in other local languages is an added advantage.

A mantra for our clients, customers, partners and every member of the RHB family. Yes, you. Our employees are one of the reasons we are here today. Dynamic, forward‑thinking and progressive, there is a reason why we are an award‑winning financial institution.

Join us today and be a part of a winning family. At RHB, we take pride in our people and our teams. Great relationships built on trust, a 'leading it right' environment, challenging assignments and a culture of excellence are the pillars to the dynamic and diversified workplace we call home.

As we grow towards realising our aspirations, we promise a workplace built on the five pillars – RHB Cares; RHB Leads; RHB Inspires; RHB Progresses; and RHB Rewards.