Personal Financial Consultant

RHB Banking Group; Penang; On-site; MYR 40,000 - 60,000; Full time

Job summary

A leading Malaysian bank is seeking a Personal Financial Consultant to build client relationships and provide expert financial advice. Responsibilities include conducting financial needs analysis, developing personalized financial plans, and achieving sales targets. The ideal candidate has a bachelor's degree in finance, 2-3 years in financial services, and excellent communication skills. This position offers opportunities for professional growth in a fast-paced environment.

Qualifications

• Minimum of 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 highly advantageous.
• Fluency in English and Bahasa Malaysia is required.

Responsibilities

• Identify and engage with potential and existing clients to understand their financial needs.
• Conduct comprehensive financial needs analysis.
• Develop and present personalized financial plans.
• Advise clients on RHB Bank's products and services.
• Achieve individual and team sales targets.
• Review and update client portfolios regularly.

Skills

Financial advisory

Client relationship management

Sales acumen

Analytical skills

Communication skills

Interpersonal skills

Education

Bachelor's degree in Finance

Tools

Microsoft Office Suite

Job description

Personal Financial Consultant

Company: RHB Bank Berhad

Here’s a job description for a Personal Financial Consultant at 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.