Personal Financial Consultant

22 hours ago

Penang, Malaysia RHB Banking Group Full time 60,000 - 120,000 per year

Primary Objective

  • 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.

Key Responsibilities

Sales & Business Growth

  • 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.

Credit Assessment & Risk Management

  • 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).

Customer Service & Retention

  • 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.

Compliance & Reporting

  • 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).

Other duties

  • 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.

Required Skills & Qualifications

  • 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.).

Performance Metrics / KPIs

  • 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.

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