Job Description

Job Category: Sales
:
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Job Title (on name card) * Deposit Relationship Manager (RM)
Corporate Title * Manager Job Grade * U8.S -U6.S
Company * CIMB Bank Berhad
Division * Consumer Banking
Department * Consumer Sales & Distribution
Section * Deposit & CIMB@Work - Business Deposit
Unit * Retail Deposit - Strategy and Business Development
Job location Area & Level 5, Menara CIMB
Job Title of Direct Superior*
Job Title of Matrix Superior(s) *
Indicate if different Company, Division or Department or Country
Job Purpose *

• Drives growth in assets under management (AUM) and expanding new customer base across the branches by actively engaging with existing Preferred clients and reactivating those with lower AUM. This role focuses on building strong client relationships, promoting deposit products, and implementing strategic initiatives to encourage increased deposits. The Deposit RM will also leverage cross-selling opportunities in wealth management, loans, and bancassurance to provide comprehensive financial solutions, ensuring a high level of client satisfaction and loyalty.

Key Responsibilities *

• Identify and engage with unqualified Preferred clients to develop tailored strategies for reactivation and conversion to qualified status.
• Assist customer in opening account and complete the client onboarding journey.

• Regularly review and manage the current Preferred client portfolio to ensure all clients receive adequate attention and services.

• Implement targeted initiatives to encourage existing clients to increase their deposits, helping them qualify for Preferred status.

• Organize and participate in events that support new Preferred/deposit acquisition.
• Actively seek and onboard new clients by promoting deposit products and services tailored to their financial needs.
• Ensure effective sales fulfillment by executing strategies that meet client needs and achieve deposit targets, providing a seamless experience from initial contact to account setup.

• Identify and refer clients to wealth management, loan, and bancassurance products, creating a comprehensive financial service experience.

• Educate clients on the benefits of increasing their deposits and the features of various deposit products.

• Build and maintain strong relationships with clients to foster trust and loyalty, ensuring long-term engagement.

• Attend to assigned leads promptly, ensure they are updated in the 1View/Rubik/Customer Management System, and convert leads into sales.
• Manage customer relationships, attend to feedback/complaints, and help resolve issues.
• Escalate feedback/complaints to the relevant department and ensure they are resolved.
• Stay informed about market trends and competitor offerings to effectively position the bank's deposit products.

• Meet or exceed defined sales targets related to deposit growth and client acquisition that contribute to the overall growth of branch.

• Work closely with other teams (e.g., preferred and wealth) to align strategies and enhance service delivery.

• Address and resolve any client inquiries or issues related to deposit accounts, ensuring high levels of client satisfaction.

• Provide regular reports on client engagement, reactivation efforts, and sales performance to management, using feedback to refine strategies.

• To be well conversant with the changes of competition and marketing environment in order to provide feedback to management for appropriate action.

• Always ensure compliance with banking regulations and internal policies in all deposit-related activities.

Job Specification *

• Bachelor of Degree in Business / Marketing or any equivalent
• At least 2 years banking experience or in any established company
• Possess strong financial and business acuman

Qualifications
(Basic Degree/Diploma etc)
Basic Degree in Business, Banking / Finance or any equivalent with min 2 years work related experience
Professional Qualification and/or Regulatory, Licensing requirements N/A
Relevant Work Experience
Retail Banking, sales, marketing servicing, customer segment management experience is highly desired.
Required Competencies and Skills *
Competencies/Skills
(Essential to succeed in this job)

• Able to work independently, embrace challenges and self-driven.
• To work independently and yet develop strong interpersonal relationships with internal and external responsible person.
• Good communication and presentation skills.
• Incentive-driven.

Travel Requirements (if any)
Frequency
(Incl typical Destinations and Duration)
Minimal depends on area of support.
Headcount *
No. of Direct Subordinates NA
No. of Indirect Subordinates NA
No. of Matrix Subordinates
Total
NA
Subordinates *
Job Title of Direct/Matrix Subordinate(s) and Number
Organisation Chart *
Key Personal Interactions (excluding your Superiors and Subordinates; Direct and Matrix)
Internal or External (indicate) Typical Position Title (HR Director, walk-in customers, government officials) Local, or Regional or Global Reason (e.g. provide info, sell, negotiate, recover debts) Frequency (e.g. daily, weekly, monthly, yearly)
Internal Global
Internal Global
External Local
External Global
Level of Authority (if any)
Typical decisions made Type of Decisions Frequency (e.g. monthly yearly)
As needed
Prepared by Reviewed by Approved by
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