Takaful Specialist

Bank Muamalat; Kuching; On-site; MYR 48,000 - 72,000; Full time

Job summary

Bank Muamalat in Kuching invites applications for a Takaful Specialist role. The incumbent will promote Shariah-compliant Takaful products, engage with branch clients, and perform needs analysis to tailor protection solutions.

You will assist with applications, documentation, and policy servicing while adhering to regulatory standards. The candidate should have a finance-related diploma or degree, strong customer service skills, and a willingness to learn Islamic finance concepts.

Qualifications

• Diploma or degree in finance, business, economics, or related field.
• Strong customer service and relationship-building skills.
• Knowledge of Islamic finance and Takaful concepts preferred or willing to learn.

Responsibilities

• Engage with clients at the branch to understand protection needs.
• Conduct needs analysis and provide product recommendations.
• Assist with applications, documentation, and policy servicing.
• Maintain accurate records and comply with regulatory requirements.

Skills

Customer service

Relationship-building

Communication skills

Sales and advisory

Needs analysis

Documentation

Regulatory awareness

Education

Diploma or degree in finance/business/economics

Tools

Banking systems

i-Muamalat

Job description

Role Description :

This is a full-time, on-site Takaful Specialist role based in Kuching. The Takaful Specialist is responsible for promoting and explaining Shariah-compliant Takaful products to retail and business customers, ensuring their protection needs are met in line with Islamic principles. Daily tasks include engaging with clients at the branch, conducting needs analysis, providing product recommendations, and assisting with applications, documentation, and policy servicing.

Company Description

Bank Muamalat is a leading full-fledged Islamic bank in Malaysia, established in 1999 and governed by the Islamic Financial Services Act 2013 (IFSA). It offers a comprehensive range of Shariah-compliant financial services for individuals, including deposit accounts, asset management, and financing for vehicles, homes, and personal needs. The bank also serves corporate and institutional clients with cash management, payment solutions, trade and export finance, foreign exchange, and capital market products. Bank Muamalat operates through a nationwide network of nearly 68 branches, supported by robust electronic channels such as i-Muamalat internet banking and e-Muamalat terminals at about 240 locations. The bank is part of the DRB-HICOM Berhad Group and is a member of Perbadanan Insurans Deposit Malaysia, reflecting strong backing and regulatory assurance for its customers.

Qualifications

• Strong customer service and relationship-building skills, with the ability to communicate clearly and professionally in face-to-face and telephone interactions.
• Knowledge of Islamic finance and Takaful principles, or willingness to learn and apply Shariah-compliant concepts in daily work.
• Sales and advisory skills, including conducting needs analysis, presenting product solutions, and achieving individual and branch targets.
• Administrative and organizational skills for handling documentation, policy servicing, and accurate record-keeping.
• Proficiency in basic computer applications and banking systems, with the ability to learn new digital tools used by the bank.
• Diploma or degree in finance, business, economics, or a related field is preferred; relevant experience in banking, insurance, or Takaful is an advantage.
• Ability to work collaboratively with branch colleagues, demonstrate integrity, and adhere to regulatory and internal compliance requirements.
• Fluency in English and Bahasa Malaysia; additional local language skills are beneficial for engaging with diverse customers in Kuching.