Conduct in-depth financial needs analysis for individual clients, understanding their income, expenses, assets, liabilities, and financial objectives.
Provide comprehensive advice and recommendations on a range of personal financing products, including personal loans, credit cards, and other relevant banking solutions offered by RHB Bank Berhad.
Educate clients on product features, benefits, terms and conditions, and repayment structures to ensure informed decision-making.
Process loan applications accurately and efficiently, ensuring all necessary documentation is collected and verified in compliance with internal policies and regulatory requirements.
Build and maintain strong, long-term relationships with clients, providing ongoing support and addressing their inquiries and concerns professionally.
Actively participate in sales and marketing activities to acquire new clients and expand the personal financing portfolio.
Monitor market trends and competitor offerings to stay updated and identify potential opportunities or challenges.
Adhere to all internal policies, procedures, ethical guidelines, and regulatory requirements set by RHB Bank Berhad and relevant authorities.
Collaborate effectively with other departments and teams within the bank to ensure seamless customer service and cross-selling opportunities.
Achieve individual and team sales targets and key performance indicators (KPIs).
Job Requirements
A Bachelor's degree in Finance, Business Administration, Marketing, or a related field.
Proven experience in sales, customer service, or a financial advisory role, preferably within the banking or financial services industry.
Strong understanding of personal financing products and services, including personal loans and credit cards.
Excellent communication, interpersonal, and negotiation skills with the ability to build rapport and trust with clients.
Demonstrated ability to analyze financial data and provide sound financial advice.
Results-oriented with a proven track record of achieving sales targets.
Proficiency in using banking software and Microsoft Office Suite.
Ability to work independently and as part of a team in a fast-paced environment.
High level of integrity, professionalism, and commitment to ethical conduct.
Knowledge of relevant financial regulations and compliance requirements is an advantage.
