Personal Financial Consultant, Ipoh Garden Branch MY

CIMB; Malaysia; On-site; MYR 150,000 - 200,000; Full time

Job summary

A leading financial institution in Malaysia is seeking a Personal Financial Consultant to market and sell consumer products while providing excellent customer service. The ideal candidate will have a university degree, relevant banking experience or be a fresh graduate with strong communication and networking skills. The role involves pursuing sales opportunities and maintaining customer relationships within a dynamic branch environment while ensuring compliance with company policies.

Qualifications

• 2 - 3 years banking/sales and marketing experience preferred; fresh graduates may be considered.
• Minimum 4 credits in SPM required for graduates and diploma holders.

Responsibilities

• Actively identify and pursue sales opportunities through networking and referrals.
• Manage sales pipelines and maintain up-to-date customer information.
• Build and maintain long-term relationships by providing quality customer service.

Skills

Good networking skills

Customer focus

Excellent communication skills

Proficient in English

Proficient in Bahasa Malaysia

Computer skills (Microsoft Office)

Education

University Degree (preferably in business or accounting)

Banking diploma with 3 years relevant banking experience

Job description

Personal Financial Consultant, Ipoh Garden Branch MY

Malaysia

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Job Description

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

JOB TITTLE PERSONAL FINANCIAL CONSULTANT (PFC)

Grade

Location Branch

Reports To Branch Manager

Other Reporting Relationship Segment Manager

Subordinates Sales Clerk

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 customer's financial needs.

Key Products

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

KEY RESPONSIBILITIES

• Sales Planning
  • 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: under stading 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 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.
• 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 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.

Key Perfomance Indicators

Qualification

• Note: The qualification indicated are the ideal requirements for the position. Exceptions may apply internally promoted staff based on performance.
• 1. University Degree (preferably in business or accounting)
• 2. Banking diploma with 3 years relevant banking experience may be considered

*Graduates and diploma holders are required to have a minimum of 4 credits in SPM

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

Education & Training (or equivalent)

Skill / Competencies

• To be update based on Competency Modal: 1. Good networking skills, customer focus, confident, proactive and results oriented.
• 2. Excellent communication skills. Proficient in English and Bahasa Malaysia. Mandarin is preferable but optional.
• 3. Good business etiquette and image.
• 4. Computer skills e.g. Microsoft Office.

Job Info

• Job Identification 32798
• Job Category Sales
• Posting Date 11/26/2025, 05:17 AM
• Apply Before 12/26/2025, 05:17 AM
• Job Schedule Full time
• Locations Lot 73207, Ipoh, Perak Darul Ridzuan, 31400, MY