Personal Financial Consultant

CIMB Group Holdings Berhad; Shah Alam; On-site; MYR 150,000 - 200,000; Full time

Job summary

A leading financial institution is seeking a Personal Financial Consultant to actively identify and pursue sales opportunities. This role involves maintaining relationships with customers while promoting CIMB’s financial products. Ideal candidates will possess strong sales and customer service skills, with a focus on accuracy and compliance with internal policies. The position is primarily located at the Bandar Setia Alam Branch, serving customers and engaging in community activities to enhance customer experiences.

Qualifications

• Strong ability to identify and pursue sales opportunities.
• Excellent communication and customer service skills.
• Ability to manage sales pipelines and follow up on leads.

Responsibilities

• Identify and pursue sales opportunities by generating new leads.
• Follow up promptly on leads and execute requisite number of calls.
• Participate in sales activities organized by the Branch or HQ.
• Maintain accurate customer and pipeline information.

Skills

Sales skills

Customer service

Networking

Financial product knowledge

Job description

Personal Financial Consultant, Bandar Setia Alam Branch MY

Responsibilities

• To actively identify and pursue sales opportunities by generating new leads through asking for referrals, networking with lawyers, real estate agents, data mining existing depositors for additional opportunities, etc.
• Following up on leads promptly.
• Executing requisite number of con calls.
• Participating in sales activities / customer acquisition activities organised by Branch or HQ.
• To manage sales pipelines by participating in sales management routines where sales activities and results will be reviewed with BM.
• To maintain accurate and updated information by keeping abreast with updated product information and market changes (e.g. revised interest rate of CIMB products and competitors, equity, interest rate markets).
• Maintaining accurate and updated information on customers, leads and pipeline reporting.
• To actively market and sell CIMB's consumer products to all customers by understanding and assessing customers' requirements and recommending appropriate consumer products (using relevant performance support tools such as Tactical Sales Tool, CPMS).
• Actively cross-selling to CIMB's customers.
• To execute sales based on customer request on timing.
• Referring new non-consumer lending opportunities to the appropriate units (e.g. SME desk, Business Banking).
• To work with the branch sales team to execute marketing and sales plans communicated by the Branch Manager, such as attending launch sites (e.g. product roadshows) when required.
• To ensure turnaround time for credit, wealth and bancassurance applications and fulfillment processes in system (straight Through and Forms) are within service levels agreed upon, escalating to Branch Manager when necessary.
• To ensure completeness and accuracy of documentation or data entry upon submission or after sales services to Fulfillment Operations.
• To comply with process and procedures for sales execution, appeals, discounts, redemption, etc.

Customer Relationship & Compliance

• To build and maintain long-term and profitable relationships by providing quality customer service that upholds customer waiting time.
• Obtaining customer's feedback on sales-related matters and informing Branch Manager, where appropriate.
• Resolving customer's problems and complaints on sales-related matters and escalating unresolved complaints to Branch Managers on an exception basis.
• To manage portfolio risk exposure for customers (only applicable when it is technology enabled).
• To ensure there are no discrepancies, exceptions and non-compliance when booking rates (e.g. Unit Trust, Currency and Treasury products).
• To strictly comply with CIMB Bank's policies and procedures, including credit control procedures, audit compliance, BNM Guidelines, etc.
• To comply with sales code of ethics and governance.
• To respond to compliance enquiries from Vertical line (BM, RD & CSD Head) and Horizontal line (Segment Manager and Sales Segment Support Lead).

Team & Brand

• To encourage and promote teamwork within branch sales team by providing assistance (e.g., training, knowledge sharing, covering of duties) to sales team members where necessary.
• Identifying and sharing new ideas and approaches for increasing sales and maximising customer experiences.
• Maintaining a conducive and professional working relationship within the sales team.
• To project a professional business image at all times through high standards of housekeeping and personal grooming.
• To participate in the Continuous Professional Development Program.

Additional Notes

Actively market and sell all core consumer products, primarily to branch walk-in customers, executing a consultative selling process to identify and recommend CIMB products to meet customers’ financial needs.