Employer Navigation

Personal Financial Consultant profile banner profile banner

Personal Financial Consultant

The Programme 

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 the customer's financial needs.

Key Products:  

  • Retail Loan.
  • ASB Financing.
  • Personal Financing.
  • Wealth Management.
  • Credit Card.
  • Bancassurance. 

What You Will Do 

Sales Planning

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. 

Sales Execution

To actively market and sell CIMB's consumer products to all customers by:

  • Understanding 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 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 plans 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 feedback on sales - related matters and inform Branch Manager, where appropriate.
  • Resolving customers' problems and complaints on sales-related matters and escalate unresolved complaints to Branch Managers on an exceptional basis.


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 the CIMB Bank's policies and procedures, including credit control procedures, audit compliance, BNM Guidelines etc.
  • To comply with the 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 the branch sales team by:

  • Providing assistance (e.g., training, knowledge sharing, covering of duties) to sales team members were necessary.
  • Identifying and sharing new ideas and approaches for increasing sales and maximizing 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. 

Required Skills and Abilities 

Note: The qualification indicated are the ideal requirements for the position. Exceptions may apply internally promoted staff based on performance.

  • 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 preferrable.
  • Fresh graduates may be considered.  

Skill / Competencies:  

  • To be updated based on Competency Modal.
  • Good networking skills, customer focus, confidence, 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. 
Closing in 10 days
Closing in 10 days
  • Job type:Graduate Jobs
  • Disciplines:

    Accounting, Banking and Finance, Business and

  • Citizenships:

  • Locations:

    Kuala Lumpur

  • Closing Date:27th Oct 2021, 6:00 pm


Enter an employer or university you want to find in our search bar.