Personal Financial Consultant

CIMB; Malaysia; On-site; MYR 50,000 - 70,000; Full time

Job summary

A leading financial institution in Malaysia is seeking a sales-focused individual to actively market and sell core consumer products, primarily to walk-in customers. The successful candidate will engage in consultative sales, address customer financial needs, and ensure compliance with banking policies. Effective communication skills and a strong commitment to customer service are essential. This role offers opportunities for professional development within a dynamic team environment.

Qualifications

• Ability to generate leads and respond promptly.
• Strong understanding of customer needs and product offerings.
• Experience in maintaining sales pipelines and customer databases.

Responsibilities

• Identify and pursue sales opportunities.
• Manage sales pipelines effectively with updates.
• Provide quality customer support and maintain relationships.

Skills

Sales Planning

Customer Relationship Management

Compliance Adherence

Team Collaboration

Excellent Communication Skills

Job description

Key Products

• Retail Loan
• ASB Financing
• Personal Financing
• Wealth Management
• Credit Card
• Bancassurance

Key Responsibilities

Sales Planning

• 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 conference 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 of updated product information and market changes (e.g. revised interest rates of CIMB products and competitors, equity, interest rate markets).
  • Maintaining accurate and updated information on customers.
  • Maintaining accurate and updated information on leads and pipeline reporting.

Sales Execution

• To actively market and sell CIMB's consumer products to all customers by:
  • Understanding and assessing customer's requirements and recommending appropriate consumer products (using the relevant performance support tools, e.g. 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 plan 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

• 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.

Compliance

• To manage portfolio risk exposure for customers (only applicable when it is technology enabled).
• To ensure that 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).

People Management

• 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.

Actively market and sell all core consumer products, primarily to branch walk‑in customers, execute a consultative selling process, which involves identifying and recommending CIMB products to meet customers' financial needs.