全职 Financial Services Consultant 工作, 薪水, CIMB Sarawak 公司招聘中 - Ricebowl

Job Overview

We are seeking a high-performing and customer-centric Financial Services Consultant specializing in Bancassurance to join our team. In this role, you will act as a trusted financial partner to our branch’s retail and high-net-worth clients, delivering tailored protection, savings, and wealth accumulation strategies.

Leveraging the bank's established customer base and cross-referral network, you will evaluate client financial goals, recommend holistic insurance solutions, and contribute directly to branch revenue targets while delivering standard-setting customer service.

Key Responsibilities

Client Advisory & Needs Analysis:

• Conduct thorough financial health checks to identify customer protection gaps, retirement goals, and investment objectives. Recommend tailored bancassurance solutions (life insurance, legacy planning, endowment, medical, and investment-linked plans).

Sales Execution & Business Development:

• Leverage the bank’s internal customer database and branch walk-in traffic to drive bancassurance product penetration. Actively engage in cross-selling initiatives alongside branch relationship managers and frontline staff.

Lead Generation & Pipeline Management:

• Convert warm leads provided by bank officers, build active client referral pipelines, and maintain high conversion rates.

Relationship Management & After-Sales Service:

• Deliver high-touch, ongoing advisory services to existing clients. Handle policy reviews, beneficiary updates, and claims assistance to foster long-term loyalty and retention.

Compliance & Operational Integrity:

• Ensure all advisory and sales processes fully comply with internal bank guidelines, insurance partner standards, and regulatory requirements (e.g., Fair Dealing guidelines, AML/KYC requirements, and anti-mis-selling protocols).

Product Knowledge Mastery:

• Stay continuously updated on market trends, competitive products, economic changes, and underwriting/regulatory updates.

Key Performance Indicators (KPIs)

• Achievement of monthly/quarterly bancassurance revenue and sales targets.

• Product mix diversity (e.g., regular premium vs. single premium life, medical, protection).
• Lead-to-conversion efficiency from branch referrals.
• Customer retention rate, policy persistency, and low cancellation/surrender ratios.
• Zero non-compliance findings in regulatory audits and mystery shopping exercises.

Qualifications & Requirements

• Education: Diploma or Bachelor’s degree in Banking, Business Administration, Finance, Marketing, or a related discipline.

Certifications:

• Required local regulatory certifications for insurance advisory (e.g., PCE/CEILI, CMFAS Module 5/9/9A, or equivalent regulatory licensing for financial planning/insurance sales).

Experience:

• 1–3 years of proven sales or financial advisory experience in retail banking, bancassurance, or insurance distribution.

• High-performing fresh graduates with a strong sales drive and relevant internships are welcome to apply.

Skills & Attributes:

• Strong interpersonal, negotiation, and relationship-building capabilities.
• Demonstrated track record in meeting or exceeding individual sales targets.
• High ethical standards, integrity, and client-first mindset.
• Proficiency in written and spoken English (multilingual capability is an added advantage for local customer demographics).

What We Offer

• Competitive base salary plus uncapped commission and quarterly sales performance bonuses.

• Pre-qualified, warm lead streams directly from the bank's customer ecosystem.

• Comprehensive onboarding, product training, and structured career advancement pathways into Senior Advisory or Management roles.

• Full medical, dental, and insurance coverage benefits.