Personal Financial Consultant

RHB Group; Penang; On-site; Full time

Job summary

A leading financial services institution is seeking a Personal Financial Consultant in Penang, Malaysia. Your role involves building client relationships and providing tailored financial advice to help clients achieve their financial goals. You will conduct financial analyses, develop personalized plans, and advise on various banking products. Ideal candidates have a Bachelor's degree, 2-3 years of relevant experience, and strong communication skills. Industry certifications are advantageous. This position offers a dynamic work environment and opportunities for professional development.

Qualifications

• Minimum 2-3 years of experience in financial services, preferably in a client-facing role.
• Possession of relevant industry certifications (e.g., FIMM, PCE, CUTE) is a plus.
• Strong understanding of financial products and investment principles.

Responsibilities

• Identify and engage with clients to understand their financial needs.
• Conduct financial needs analysis and develop personalized financial plans.
• Advise clients on RHB Bank's products including deposits and loans.
• Review and update client portfolios regularly.

Skills

Client relationship management

Financial advisory

Sales acumen

Communication skills

Analytical skills

Integrity

Problem-solving skills

Proficiency in Microsoft Office

Fluent in English

Fluent in Bahasa Malaysia

Education

Bachelor's degree in Finance, Banking, Business Administration, Economics, or related field

Tools

Microsoft Office Suite

Job description

Here's a job description for a Personal Financial Consultant at RHB Bank Berhad.

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.