Personal Financial Consultant, Parit Buntar Branch MY

CIMB Group Holdings Berhad; Parit Buntar; On-site; MYR 38,000 - 50,000; Full time

Job summary

A leading financial services provider in Parit Buntar is looking for a Personal Financial Consultant. This role focuses on actively marketing and selling core consumer products to customers. Candidates should possess a university degree preferably in Business or Accounting, along with strong networking and communication skills. Experience in banking or sales is preferred, but fresh graduates may also apply. The position requires building long-term relationships with clients and ensuring compliance with company policies.

Qualifications

• University degree preferred in Business or Accounting.
• Banking diploma with 3 years experience may be acceptable.
• Fresh graduates need at least 4 credits in SPM.

Responsibilities

• Identify and pursue sales opportunities.
• Manage sales pipelines proactively.
• Market and sell consumer products to all customers.
• Ensure compliance with CIMB's policies.

Skills

Networking skills

Customer focus

Excellent communication skills

Proficient in English

Proficient in Bahasa Malaysia

Proactive and results oriented

Education

University Degree (Business or Accounting)

Banking diploma with 3 years relevant experience

Minimum of 4 credits in SPM

Tools

Microsoft Office

Job description

Personal Financial Consultant, Parit Buntar 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.

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, 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 rates 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 requirements and recommending appropriate consumer products (using the relevant performance support tools such as 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.

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 informing 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 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.

Qualification

• University Degree (preferably in Business or Accounting).
• 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 preferable.
• Fresh graduates may be considered.

Education & Training (or equivalent)

Skill / Competencies to be updated based on Competency Modal.

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.