Personal Financial Consultant, CASA Klang Branch MY

CIMB Group Holdings Berhad; Klang City; On-site; MYR 50,000 - 70,000; Full time

Job summary

A prominent financial institution is seeking a Personal Financial Consultant for its Klang Branch, Malaysia. This role involves generating leads, selling consumer products, and providing exceptional customer service. The consultant will actively pursue sales opportunities, manage customer relationships, and comply with the organization's guidelines. Ideal candidates will demonstrate strong networking skills and a commitment to compliance while working collaboratively with the branch sales team.

Qualifications

• Experience in actively identifying and pursuing sales opportunities.
• Strong understanding of CIMB's consumer products.
• Ability to maintain accurate and updated customer information.

Responsibilities

• Generate leads through referrals, networking, and data mining.
• Market and sell CIMB's consumer products effectively.
• Provide quality customer service, resolving problems promptly.

Skills

Sales acumen

Customer relationship management

Networking abilities

Problem-solving skills

Compliance understanding

Job description

Personal Financial Consultant, CASA Klang Branch MY

• 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.
• To actively market and sell CIMB's consumer products to all customers by:
  • Understanding 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. 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.
• 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 escalating unresolved complaints to Branch Managers on exception basis.
• 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)
• 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.