Personal Financial Consultant

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

Job summary

A leading banking institution in Malaysia seeks a motivated sales professional for personal financing. The role involves promoting financing products, achieving sales targets, and managing customer relationships. Preferred candidates will have 1–3 years of experience in retail banking sales, strong negotiation and communication skills, and the ability to comply with regulatory guidelines. A diploma or bachelor's degree in any field is required. Competitive performance metrics will be applied.

Qualifications

• Experience in retail banking sales or personal financing roles of 1–3 years.
• Ability to work under targets and be self-motivated.
• Proficiency in computer tools.

Responsibilities

• Promote and sell personal financing products.
• Achieve sales targets for loan volume.
• Assess creditworthiness of applicants.
• Provide customer service throughout financing lifecycle.
• Ensure compliance with AML and KYC regulations.

Skills

Sales skills

Negotiation skills

Communication skills

Analytical ability

Knowledge of banking products

Education

Diploma / Bachelor’s in any field

Tools

MS Office

Job description

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 pre‑emptive 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, elevate 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.