Personal Financial Consultant, Batu Pahat Branch MY

CIMB; Batu Pahat; On-site; MYR 67,000 - 112,000; Full time

Job summary

CIMB is hiring for a Sales Planning/Execution role in Malaysia. The incumbent will drive lead generation, actively market CIMB consumer products, and collaborate with branch teams to achieve sales targets while ensuring compliance and high-quality customer service.

Responsibilities include managing pipelines, cross-selling opportunities, and maintaining accurate documentation. The position emphasizes teamwork, professional presentation, and adherence to governance standards within the branch

Responsibilities

• Identify and pursue sales opportunities by generating leads and following up on them.
• Manage sales pipelines and report progress with branch management.
• Market and sell CIMB consumer products, assess customer needs, cross-sell.
• Refer non-consumer lending opportunities to SME or Business Banking units.
• Ensure timely credit/fulfillment processes and proper documentation.
• Maintain client relationships and address complaints; escalate as needed.
• Ensure compliance with CIMB policies and governance.
• Foster teamwork and professional conduct within the branch sales team.

Skills

Lead generation

Follow-up

Sales execution

Customer service

Relationship building

Compliance awareness

Job description

Sales Planing

• To actively identify and pursue sales opportunity 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.
  • 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 :
  • Understading 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 atteding launch sites (e.g. produt roadshows) when reqiured.
• To ensure turnaround time for credit, wealth and bancassurance applications and fullfillment processes in system (straight Through and Forms) are within service levels agreed upon. Escalate 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 inform Branch Manager, where appropriate.
  • Resolving customer's problems and complaints on sales - related matters and elevate unresolved complaints to Branch Managers on 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 to the 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