Key Responsibilities:

Client Acquisition & Business Development

Identify, acquire, and onboard new clients interested in investment and wealth management solutions.
Leverage leads from branch walk-ins, referrals, and digital channels to build a strong client base.
Actively collaborate with Wealth Specialists to provide investment solutions tailored to clients needs.
Organize and participate in client events, seminars, and financial literacy programs to generate interest in wealth products.

Wealth Management

Conduct financial needs analysis and risk profiling to recommend suitable wealth products.
Provide expert guidance on portfolio management, including risk assessment, diversification, and asset performance monitoring.
Ensure clients understand product benefits, risks, and market conditions to make informed investment decisions.
Conduct periodic reviews of clients investment portfolios and suggest strategies for optimization.
Develop strategies to deepen customer wallet share by identifying opportunities to optimize their financial portfolios and enhance returns.

Relationship Management & Client Retention

Build and maintain long-term relationships with clients to ensure loyalty and continued investment growth.
Act as the primary point of contact for clients, addressing inquiries, concerns, and service requests.
Regularly update clients on market trends, portfolio performance, and new investment opportunities.
Implement proactive client engagement strategies to enhance satisfaction and referral business.
Identify opportunities for cross-selling other financial products, including (but not limited to) takaful, estate planning, and structured investments.

Sales Target Achievement & Performance Management

Meet or exceed individual sales targets for wealth products and overall portfolio growth.
Ensure high product penetration by cross-selling wealth solutions to new and existing clients.
Monitor personal sales performance and take corrective action when necessary to achieve KPIs.

Compliance & Risk Management

Ensure all sales and proposed wealth solutions services comply with regulatory requirements and internal policies.
Conduct proper due diligence, KYC (Know Your Customer), and suitability assessments before recommending products.
Maintain accurate records of client interactions and sales activities in accordance with bank policies.

Key Requirements:

Education

Bachelor's degree in Finance, Business, Banking, Economics, or a related field. Professional certifications such as UT, CFP, RFP, IPPC or investment-related licenses are an advantage.

Experience

Minimum Two [2] years in relationship management, wealth management, or financial advisory.

Skills & Competencies

Strong knowledge of wealth products, including gold accounts, unit trusts, and Banca Takaful.
Excellent sales, negotiation, and client relationship management skills.
Ability to conduct financial planning and investment advisory services.
Strong communication, interpersonal, and presentation skills.
Proactive, results-driven, and customer-focused mindset.
Knowledge of banking regulations and compliance in wealth management.

Key Performance Indicators (KPI):

Number of new wealth clients acquired and total portfolio growth.
Achievement of individual sales targets for wealth solutions.
Customer retention and satisfaction levels.
Quality of financial advisory services provided.
Compliance with regulatory and internal policies.

You'll collaborate closely with internal teams, regions, branches, and external stakeholders, including customers and service providers.

Personal Relationship Banker (Wealth) - USJ Taipan