Personal Financial Consultant

RHB Banking Group; Penang; On-site; MYR 150,000 - 200,000; Full time

Job summary

A leading banking institution is seeking an Account Services Officer in Penang. The successful candidate will promote and sell personal financing products, ensuring compliance with regulations and providing excellent customer service. Candidates should have a diploma or bachelor's degree, ideally with 1–3 years in retail banking sales. Strong sales and communication skills are essential for success in this role.

Qualifications

• 1–3 years experience in retail banking sales or personal financing roles.
• Strong skills in sales, negotiation, and communication.
• Ability to analyze financial information and assess credit risk.

Responsibilities

• Promote and sell personal financing products to achieve targets.
• Assess creditworthiness of applicants and ensure compliance.
• Provide excellent customer service throughout the financing lifecycle.

Skills

Sales skills

Negotiation skills

Communication skills

Analytical ability

Self-motivated

Education

Diploma or Bachelor’s in any field

Finance / business / accounting background preferred

Tools

MS Office

Job description

Account Services Officer (Contract - based in Penang)

Primary Objective

Promote and sell the bank’s personal financing products (secured/unsecured loans) and grow the assets portfolio in line with targets.

Ensure high asset quality (minimising delinquency), adherence to credit policies and regulatory requirements.

Key Responsibilities

Sales & Business Growth

• Achieve individual or team targets for personal financing assets (loan volume, new-to-bank assets).
• Identify prospective customers, generate leads (internal, external), make sales calls/visits.
• Cross-sell related banking / financing products (credit cards, insurance, deposits etc.).
• Prepare and execute sales plans to maximize asset growth.

Credit Assessment & Risk Management

• Assess creditworthiness of applicants (income verification, credit checks, financial analysis).
• Ensure that processes comply with internal credit policies, approvals, regulatory guidelines.
• Monitor asset performance; take preemptive action to mitigate risk of non-performing loans (NPLs).

Customer Service & Retention

• Provide good customer service, manage customer relationships throughout financing lifecycle.
• Ensure compliance with rules, transparent disclosure, terms and conditions.
• Handle customer enquiries, escalate problems or default situations if needed.

Compliance & Reporting

• Maintain accurate documentation and records per bank’s policies.
• Ensure compliance with anti-money laundering (AML), know-your-customer (KYC) and credit regulations.
• Prepare periodic reports (portfolio status, risk, delinquency, sales performance).

Other Duties

• Coordinate with internal stakeholders (credit operations, risk, legal, collections).
• Keep updated on product features, market / competitor financing offerings.
• Participate in training and sales / promotional campaigns.

Required Skills & Qualifications

• Education: At least Diploma / Bachelor’s in any field; finance / business / accounting background preferred.
• Experience: Experience in retail banking sales or personal financing / credit portfolio roles (asset or loan sales), likely 1–3 years (depending on level).
• Strong sales, negotiation and communication skills.
• Analytical ability to assess financial information and credit risk.
• Knowledge of banking / financing product features, regulatory environment.
• Ability to work under targets, self‑motivated and driven.
• Proficiency in computer tools (MS Office etc.).

Performance Metrics / KPIs

• Number / value of new assets (loan / financing) originated.
• Asset quality: Rate of delinquency / non‑performing financing.
• Compliance with credit policy and regulatory requirements.
• Customer satisfaction and retention.
• Cross‑sell ratio; contribution to overall branch / sales unit performance.