Personal Financial Consultant, Batu Pahat Branch MY
CIMB
Summary
Job Purpose 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 customer's financial needs. Key Products "
- Retail Loan
- ASB Financing
- Personal Financing
- Wealth Management
- Credit Card
- Bancassurance"
Job Description
Sales Planing
- To actively identify and pursue sales opportunity 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 requisite number of con calls.
─ Participating in sales activities / customer acquisition activities organised 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 :
─ Understading 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 plan communicated by the Branch Manager such as atteding launch sites (e.g. produt roadshows) when reqiured.
- To ensure turnaround time for credit, wealth and bancassurance applications and fullfillment 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's feedback on sales - related matters and inform Branch Manager, where appropriate.
─ Resolving customer's problems and complaints on sales - related matters and escalate unresolved complaints to Branch Managers on exception basis
Compliance
- 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 to the CIMB Bank's policies and procedures, including credit control procedures, audit compliance, BNM Guidelines etc
- To comply with 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 branch sales team by :
─ Providing assistance (e.g. training, knowledge sharing, covering of duties ) to sales team members where necessary
─ Identifying and sharing new ideas and approaches for increasing sales and maximising 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
