Personal Financial Consultant

RHB Bank Berhad; Semenyih; On-site; MYR 60,000 - 100,000; Full time

Job summary

RHB Bank Berhad is seeking a proactive Personal Financial Advisor to identify and onboard new clients, analyze financial needs, and craft tailored investment strategies. You will recommend savings, investment, insurance, and wealth management products while ensuring compliant, ethical client interactions.

The role requires strong communication, sales aptitude, and a proven track record of meeting targets in a retail banking environment.

Qualifications

• Bachelor’s degree in Finance, Economics, Business Administration, or a related field.
• Minimum 2–3 years of experience in personal financial advisory, sales, or banking.
• Strong understanding of financial products and services, including investments, insurance, loans, and wealth management.
• Certifications such as FIMM, PCE, CEILI, or TBE are advantageous.
• Excellent communication, interpersonal, and presentation skills with clients.

Responsibilities

• Proactively identify, acquire, and onboard new individual clients through referrals, networking, and outreach.
• Conduct comprehensive financial needs analysis and risk assessments for clients.
• Develop and present tailored financial plans and investment strategies.
• Recommend suitable financial products including savings, investments, insurance, loans, and wealth management.
• Educate clients on product features, benefits, and risks.
• Monitor client portfolios and provide ongoing advice and performance reviews.
• Ensure compliance with internal policies and regulatory requirements.
• Collaborate with product specialists and wealth managers to deliver solutions.
• Maintain accurate client records and prepare reports.
• Keep abreast of market trends and regulatory updates.

Skills

Client relationship

Communication

Sales targets

Financial analysis

Education

Bachelor’s degree in Finance, Economics, Business Administration

Tools

MS Office

Job description

Proactively identify, acquire, and onboard new individual clients through various channels such as referrals, networking, and outreach activities. Conduct comprehensive financial needs analysis and risk assessments to understand clients’ current financial position, future goals, and risk tolerance. Develop and present tailored financial plans and investment strategies aligned with clients’ objectives. Recommend suitable financial products including savings accounts, investment funds, insurance, loans, and wealth management solutions. Educate clients on financial products and services, clearly explaining their features, benefits, and potential risks. Monitor client portfolios regularly and provide ongoing advice, performance reviews, and adjustments based on market conditions and client needs. Ensure all client interactions and transactions comply with internal policies, regulatory requirements, and ethical standards. Collaborate with internal teams such as product specialists and wealth managers to deliver comprehensive financial solutions. Maintain accurate and updated client records and prepare relevant reports. Keep abreast of market trends, economic developments, and regulatory updates affecting financial products and services. Achieve individual sales targets and contribute to overall branch and team performance.

Job Requirements

Bachelor’s degree in Finance, Economics, Business Administration, or a related field.

Minimum 2–3 years of experience in personal financial advisory, sales, or banking, preferably within a retail banking environment.

Strong understanding of financial products and services, including investments, insurance, loans, and wealth management.

Possession of relevant certifications such as FIMM, PCE, CEILI, or TBE will be an added advantage.

Excellent communication, interpersonal, and presentation skills with the ability to build rapport and trust with clients.

Strong analytical and problem-solving skills to assess client needs and recommend suitable financial solutions.

Results-driven with a proven track record of achieving or exceeding sales targets.

Ability to work independently as well as collaboratively in a fast-paced environment.

Proficiency in Microsoft Office applications (Word, Excel, PowerPoint).

Demonstrates a high level of professionalism, integrity, and ethical conduct.

Company Culture

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.