Personal Financial Consultant

CIMB Group Holdings Berhad; Ipoh; On-site; MYR 36,000 - 48,000; Full time

Job summary

A leading financial services provider in Ipoh is searching for a Personal Financial Consultant to actively market and sell core consumer products to customers. This role involves achieving sales targets through network-building and customer service excellence. The ideal candidate will possess strong communication skills, a degree in business or accounting, and relevant banking experience. This position offers the opportunity to build lasting customer relationships in a dynamic banking environment.

Qualifications

• Minimum 4 credits in SPM for graduates and diploma holders.
• 2-3 years banking/sales and marketing experience is preferable.

Responsibilities

• Actively identify and pursue sales opportunities through referrals and networking.
• Maintain accurate customer information and market knowledge.
• Build long-term relationships by providing quality customer service.
• Ensure compliance with bank policies and standards.

Skills

Networking skills

Customer focus

Proactive

Results oriented

Excellent communication

Proficient in English

Proficient in Bahasa Malaysia

Education

University Degree (preferably in business or accounting)

Banking diploma

Tools

Microsoft Office

Job description

Personal Financial Consultant, Ipoh Garden Branch MY

Actively market and sell all core consumer products, primarily to branch walk‑in customers. The Personal Financial Consultant executes a consultative selling process, which involves identifying and recommending CIMB products to meet customers’ financial needs.

Job Purpose

Actively market and sell all core consumer products, primarily to branch walk‑in customers. The Personal Financial Consultant executes a consultative selling process, which involves identifying and recommending CIMB products to meet customers’ financial needs.

Key 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.
  • 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.
  • Maintaining accurate and updated information on customers, leads and pipeline reporting.
• To actively market and sell CIMB’s consumer products by:
  • Understanding and assessing customer’s requirements and recommending appropriate consumer products (using tools: Tactical Sales Tool, CPMS).
  • Actively cross‑selling to CIMB’s customers.
• To execute sales based on customer request on timing.
• To refer 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 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 escalating unresolved complaints to Branch Manager on exception basis.

Compliance

• To manage portfolio risk exposure for customers (only applicable when it is technology enabled).
• To ensure no discrepancies, exceptions and non‑compliance when booking rates.
• 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 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.

Qualifications

• University Degree (preferably in business or accounting). (Graduates and diploma holders are required to have a minimum of 4 credits in SPM)
• Banking diploma with 3 years relevant banking experience may be considered.

Experience

2-3 years banking/sales and marketing experience is preferable. Fresh graduates may be considered.

Skill / Competencies

• Good networking skills, customer focus, confident, proactive and results oriented.
• Excellent communication skills. Proficient in English and Bahasa Malaysia. Mandarin is preferable but optional.
• Good business etiquette and image.
• Computer skills e.g. Microsoft Office.