Personal Financial Consultant, Pusat Komersil Kuala Kangsar Branch MY

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

Job summary

A leading financial institution in Malaysia is seeking a Personal Financial Consultant (PFC) to actively market and sell consumer products primarily to branch walk-in customers. The role involves managing sales pipelines and generating leads through various channels. Ideal candidates will have a degree in business or accounting and possess strong networking skills, as well as excellent communication abilities in English and Bahasa Malaysia. This position requires a proactive and customer-focused approach to achieve sales targets.

Qualifications

• University Degree preferred in business or accounting; banking diploma with 3 years related experience considered.
• 2-3 years banking/sales marketing experience preferred; fresh graduates may be considered.
• Good networking skills and customer focus are essential.
• Excellent communication skills, proficient in English and Bahasa Malaysia.
• Good business etiquette and image required.

Responsibilities

• Generate new leads through referrals and networking.
• Manage sales pipelines and participate in sales activities.
• Market and sell CIMB's consumer products to all customers.
• Build and maintain long-term profitable relationships with customers.

Skills

Networking skills

Customer focus

Proactive

Results oriented

Excellent communication skills

Computer skills

Education

University Degree (preferably in business or accounting)

Banking diploma with 3 years relevant banking experience

Tools

Microsoft Office

Job description

Personal Financial Consultant (PFC)

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 Responsibilities

• Generate 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, and participating in sales activities / customer acquisition activities organized by Branch or HQ.
• Manage sales pipelines by participating in sales management routines where sales activities and results will be reviewed with BM.
• Maintain accurate and updated information on customers, leads, and pipeline reporting.
• Actively market and sell CIMB's consumer products to all customers by understanding customer requirements and recommending appropriate consumer products using performance support tools; actively cross-sell to CIMB's customers.
• Execute sales based on customer request on timing.
• Refer new non-consumer lending opportunities to the appropriate units (e.g., SME desk, Business Banking).
• 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.
• 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.
• Ensure completeness and accuracy of documentation or data entry upon submission or after sales services to Fulfillment Operations.
• Comply with process and procedures for sales execution, appeals, discounts, redemption, etc.
• 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 problems and complaints on sales-related matters and escalating unresolved complaints to Branch Manager on exception basis.
• Comply with CIMB Bank’s policies and procedures, including credit control procedures, audit compliance, BNM Guidelines, sales code of ethics and governance, and respond to compliance enquiries from vertical line (BM, RD & CSD Head) and horizontal line (Segment Manager and Sales Segment Support Lead).
• Encourage and promote teamwork within branch sales team by providing assistance (training, knowledge sharing, covering of duties) to sales team members, identifying and sharing new ideas for increasing sales and maximizing customer experiences, maintaining conducive and professional working relationship within the sales team, projecting a professional business image, and participating in the Continuous Professional Development Program.

Qualifications

• 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.
• 2–3 years banking / sales and marketing experience is preferable; fresh graduates may be considered.
• 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.

Key Performance Indicators

Not specified in detail; performance evaluated based on sales achievement and customer relationship metrics.