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Personal Financial Consultant

Personal Financial Consultant

RHB Banking GroupPenangMalaysia, Penang, Malaysia
3 hari lalu
Penerangan pekerjaan

Account Services Officer (Contract - based in Penang)

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.
  • #J-18808-Ljbffr

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