Personal Financial Consultant

RHB Group; West Coast Division; On-site; MYR 60,000 - 100,000; Full time

Job summary

RHB Bank Berhad is seeking a Personal Financial Consultant to build and nurture client relationships, provide expert financial guidance, and tailor banking and investment solutions to help individuals achieve their goals.

You will analyze client needs, present personalized plans across savings, investments, insurance, and retirement, meet sales targets, maintain records, and stay compliant with regulations.

Qualifications

• Requires strong knowledge of financial products and advisory practices.
• Ability to assess client risk and tailor recommendations accordingly.
• Experience in maintaining compliant client records and reporting.

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 savings, investments, insurance, retirement planning, and wealth management.
• Advise clients on a range of bank products and services, including deposits, loans, unit trusts, insurance products, and other investment instruments.
• Achieve individual and team sales targets and KPIs for product penetration and client acquisition.
• Regularly review and update client portfolios to ensure alignment with evolving financial situations and market conditions.
• Maintain accurate and up-to-date client records and comply with regulatory requirements and internal policies.
• Stay informed about market trends, economic conditions, and new product offerings to provide relevant advice.
• Collaborate with other departments within the 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.

Skills

Financial Advisory

Client Relationship Management

Sales & Target Achievement

Portfolio Understanding

Education

Bachelor's degree in Finance/Banking

Tools

CRM software

Financial planning tools

Job description

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.