Business jobs in Malaysia

Promote and sell the bank’s personal financing products (secured/unsecured loans) and grow the assets portfolio in line with targets.

Ensure high asset quality (minimising delinquency), adherence to credit policies and regulatory requirements.

• Achieve individual or team targets for personal financing assets (loan volume, new-to-bank assets).
• Identify prospective customers, generate leads (internal, external), make sales calls/visits.
• Cross-sell related banking / financing products (credit cards, insurance, deposits etc.).
• Prepare and execute sales plans to maximize asset growth.

• Assess creditworthiness of applicants (income verification, credit checks, financial analysis).
• Ensure that processes comply with internal credit policies, approvals, regulatory guidelines.
• Monitor asset performance; take preemptive action to mitigate risk of non-performing loans (NPLs).

• Provide good customer service, manage customer relationships throughout financing lifecycle.
• Ensure compliance with rules, transparent disclosure, terms and conditions.
• Handle customer enquiries, escalate problems or default situations if needed.

• Maintain accurate documentation and records per bank’s policies.
• Ensure compliance with anti-money laundering (AML), know-your-customer (KYC) and credit regulations.
• Prepare periodic reports (portfolio status, risk, delinquency, sales performance).

• Coordinate with internal stakeholders (credit operations, risk, legal, collections).
• Keep updated on product features, market / competitor financing offerings.
• Participate in training and sales / promotional campaigns.

• Education: At least Diploma / Bachelor’s in any field; finance / business / accounting background preferred.
• Experience: Experience in retail banking sales or personal financing / credit portfolio roles (asset or loan sales), likely 1–3 years (depending on level).
• Strong sales, negotiation and communication skills.
• Analytical ability to assess financial information and credit risk.
• Knowledge of banking / financing product features, regulatory environment.
• Ability to work under targets, self‑motivated and driven.
• Proficiency in computer tools (MS Office etc.).

• Number / value of new assets (loan / financing) originated.
• Asset quality: Rate of delinquency / non‑performing financing.
• Compliance with credit policy and regulatory requirements.
• Customer satisfaction and retention.
• Cross‑sell ratio; contribution to overall branch / sales unit performance.