Personal Financial Consultant

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.