Personal Financial Consultant, Kulai Branch MY

CIMB Group Holdings Berhad; Kulai; On-site; MYR 40,000 - 60,000; Full time

Job summary

A financial services company is seeking a dedicated Personal Financial Consultant in Kulai, Malaysia. The role involves identifying sales opportunities, managing customer relationships, and ensuring compliance with banking regulations. Ideal candidates should have relevant sales experience and possess strong skills in customer service and relationship management. This position offers a chance to grow in a supportive team and make a positive impact on clients' financial lives.

Qualifications

• Experience in sales and financial advisory.
• Strong communication and relationship-building skills.
• Familiarity with regulatory guidelines in the banking sector.

Responsibilities

• Identify and pursue sales opportunities.
• Build and maintain long-term customer relationships.
• Ensure compliance with banking policies and procedures.

Skills

Sales opportunities identification

Customer relationship management

Cross-selling

Regulatory compliance

Education

Relevant sales or financial qualification

Job description

Personal Financial Consultant, Kulai Branch MY

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 etc.
  • Following up on leads promptly
  • Executing the requisite number of con calls
  • Participating in sales activities/customer acquisition activities organized 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 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 and 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 fulfilment 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 Manager 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