BNI: One-to-One Planner
Biography
Business Information
Business Name:
Citi Pro Management
Profession:
Marketing Manager for Citi Pro Management
Office address:
8-7-2 Rio Tower,Persiaran Rio, Bandar Puteri 47100 Puchong, Selangor
Years with Citi Pro Management:
5 years
Previous Types of Jobs:
Project Co-ordinator, Website Designer, Trainer for Microsoft Words, Microsoft PowerPoint, Deep cleaning machine rental.
Personal Info:
Family Information
Spouse:
Mimmi Suriati Binti Mat Khalid
Children:
Sarah & Saiful
Animals:
Cats
Hobbies:
Listening to music, singing, swimming, open water diving
Other Interest:
flowers, brisk walking, ride motorbike
Hometown:
Melaka
Miscellaneous:
My burning desire is to achieve debt freedom within 3 years.
Something no one knows about is I’m an introvert.
My key to success is persistent, not limited by my age, not afraid to try new things, believe that Allah always love me and giving me the best.
GAINS Worksheet
Goals:
I aim to achieve a commission of RM15,000 every month through promoting Citi Pro’s services to high-quality clients. My target is to secure at least 40 new clients throughout the year, focusing on individuals with a fixed income of more than RM8,000 monthly, without requiring significant debt settlements.
Through BNI, I plan to build strong connections with at least 15 high-quality referral partners, such as Bank Managers and Real Estate Agency Managers, to expand my reach to suitable clients. I am also actively enhancing my skills in FB Ads, SEO, and Google Ads and will effectively utilize my website, Kewangan Hartanah, to attract quality prospects through organic and digital marketing.
I intend to learn and adopt blasting and AI marketing techniques through Myxpert to further strengthen my marketing strategies. Additionally, I am committed to participating actively in BNI activities by delivering engaging weekly presentations, creating professional promotional materials, and conducting consistent one-to-one meetings to foster meaningful relationships with members.
Furthermore, I am working towards becoming debt-free within three years through systematic financial planning while maintaining a monthly savings of 20% from my commission earnings. My ultimate goal is to balance my career, finances, and personal life effectively.
Accomplishments:
I have successfully delivered computers to several school computer labs across Malaysia while working as a Special Project Coordinator at MIMOS Smart Computing.
I have successfully installed Point of Sales systems at several Petronas gas stations while working as a Project Coordinator at Petronas Dagangan Berhad.
In the field of marketing, I have successfully brought in clients for companies such as:
– TM Unifi
– Takaful Ikhlas
– Public Gold
– Amway
Most recently, I have successfully brought in many customers and consequently increased the trust in the company I currently work for, Citi Pro Management Sdn Bhd, transitioning from an agent to a Marketing Manager.
I successfully brought 43 clients to Citi Pro services, generating sales of approximately RM21,500,000 and contributing RM645,000 in profit to the company.
I successfully registered two merchants to accept the use of dinar and dirham currency alongside paper money during my time as an activist for Dinihari Dinar Dirham in 2011.
I have conducted several forex trading classes using the Elliott Wave technique, which was popularized by Mr. Ismail, also known as Soros1 or Papawave, in 2011.
Certified as Open Water Diver from Professional Association of Diving Instructors (PADI) in 2019 with Diver No.: 1910AD4228.
Achieved “Founder” and “Rise UP” badges in Business Network International (BNI) in 2025.In 2024,
Interests:
I love music so much, singing karaoke and live band and sometimes I create own songs using AI.
I like to ride motorbike alone.
I like open water diving.
I enjoy looking at beautiful flowers and aquarium fishes.
Networks:
Petronas,Maybank, Affin Bank, Yamaha Music School, MagneticAura, Astronomer at Ulul Albab Observatory,Klinik Famili
Skills:
Singing, open water diving, FB Ads, web design using WordPress, Elementor and basic html, Microsoft Excel, Microsoft PowePoint, Canva, Microsoft CoPilot AI,video editing using Camtasia.
Contact Sphere
- (not currently presented in chapter)
- (already filled in chapter)
Top 3:
- Certified Financial Planner
- Bank Manager
- Real Estate Negotiator / Agency
Contact Sphere:
- Certified Financial Planner
- Bank Manager
- Real Estate Negotiator / Agency
- Corporate Lawyer
- Tax Consultant
- Accountant
- Insurance Agency Manager
- Branch Bank Manager (Local)
- Dealer Principal (Used / Recond Car)
- Estate Planners
Referral category - Individual (Quick Wins)
| Category | Definition | Example Referral | Who to Ask? | Benefits | Priority |
|---|---|---|---|---|---|
|
Individual Referrals |
Single client needing personal assistance. |
Low income RM3000 – RM5000 / month, low credit score. |
Friends, colleagues. |
Personalized financial solutions tailored to each client’s needs |
Low Priority |
Referral category - Source with access to 10+ potential clients (Mid Wins)
| Category | Definition | Example Referral | Who to Ask? | Benefits | Priority |
|---|---|---|---|---|---|
|
Individual Referrals |
Single client needing personal assistance. |
Low income RM3000 – RM5000 / month, low credit score. |
Friends, colleagues. |
Personalized financial solutions tailored to each client’s needs |
Low Priority |
Customers Case Studies
Case Study Customer 1:
Name:
Shah
How I know Shah:
Facebook Ads
Shah’s financial situation:
Shah is facing serious financial challenges due to a poor loan repayment record, which has led to legal action by the bank. He owns a house that he purchased 10 years ago for RM300,000, and its value has now increased to RM500,000. However, Shah does not want to sell his house because it is his residence.
How we solve Shah’s financial problem:
Solution (Buy Back Method):
Temporary Sale:
Citi Pro bought Shah’s house.
Agreement:
Shah to repurchase the house within 2 years with Citi Pro’s help.
Immediate Cash:
Shah receives cash from the house sale.
Result:
Short-Term:
Shah gets the needed funds immediately.
Long-Term:
After 2 years, Citi Pro helps Shah secure a loan to buy back his house from Ramli.
Outcome:
Shah regains his home and resolves his financial issues.
Similar customer’s case I’m targeting:
– Poor loan repayment record
– Facing legal action from the bank
– Unable to get a new loan
Case Study Customer 2:
Name:
Sarah
How I know Sarah:
Sarah is my friend
Sarah’s financial situation:
Financial Situation:
Sarah has a stable job with a comfortable salary, but due to inflation and rising fuel prices, her living expenses have increased. To maintain her previous lifestyle, she had to rely on her credit card.
Credit Card Debt:
Sarah is worried that her credit card debt will continue to grow due to the compounded interest charged by the bank. As long as she doesn’t pay off the outstanding balance, the interest will keep increasing.
Rental Property:
Sarah owns a rental property, but there are no proper documentation for the rental agreement.
How we solve Sarah’s financial problem:
Citi Pro Management’s Solution (Cashback Method):
Financial Profile Reconstruction:
Citi Pro helps Sarah rebuild her financial profile, ensuring it looks good, and the rental property documentation is complete and organized.
Financial Restructuring:
Citi Pro plans and implements a financial restructuring for Sarah, including paying off all her credit card debt.
Reducing Monthly Commitment:
Using the “Cashback” method, Citi Pro successfully reduces Sarah’s monthly financial commitments.
Property Acquisition:
Sarah acquires a property without any capital investment through Citi Pro Management’s financial program.
Passive Income:
Citi Pro helps Sarah manage and rent out her property, providing her with passive income every month.
Cash in Hand:
Through the “Cashback” method, Sarah receives cash that she can use without needing to repay anyone.
Final Outcome:
– Sarah successfully reduces her monthly financial commitments.
– Sarah receives passive income each month from her property.
– Sarah gets cash that she can use for personal purposes.
This method shows how Citi Pro Management helps clients like Sarah overcome their financial challenges with tailored and effective solutions.
Similar customer’s case I’m targeting:
Individuals initially living comfortably with a stable, fixed salary find themselves in debt due to uncontrollable financial factors, such as rising living costs caused by inflation and increasing fuel prices.
Case Study Customer 3:
Name:
George
How I know George:
FB Ads
George’s financial situation:
George’s Initial Problem:
Financial Struggle:
George’s bank loans became unmanageable, leading him to seek help from AKPK.
Reduced Payments:
AKPK reduced his monthly payments, but George still struggled with overall financial commitments including personal bills and family expenses.
Credit Report Issue:
Using AKPK services marked George’s credit report with a “K,” signaling past financial difficulties and deterring banks from approving new loans.
How we solve George’s financial problem:
Citi Pro Management’s Solution:
Credit Restoration:
George approached Citi Pro for help.
Citi Pro approved George’s application for credit restructuring after an analysis.
Settlement of AKPK Loans:
Citi Pro paid off all of George’s remaining AKPK loans.
George’s credit report (CCRIS) was cleared, removing the “K” mark.
Tailored Financial Profile:
Citi Pro adjusted George’s financial profile to align with the most suitable bank.
They submitted George’s loan application to this bank with a high approval probability.
Successful Loan Acquisition:
George obtained the necessary funds from the bank, resolving his financial problems.
Comparison:
AKPK: Reduces monthly payments but requires ongoing repayments.
Citi Pro: Settles the entire debt, clears the credit report, and eliminates the need for further repayments after restructuring.
This approach shows how Citi Pro Management helps clients overcome debt, restore their credit, and secure necessary funds without ongoing repayments.
Similar customer’s case I’m targeting:
Negative Credit Marks:
Individuals with negative marks on their credit report (e.g., from using services like AKPK) that affect their ability to secure new loans.
Rejected Loan Applications:
Individuals who have been rejected for loans due to poor credit history or low credit scores.
Seeking Credit Restoration:
Individuals looking to restore their credit profile and improve their chances of getting loan approvals.
Case Study Customer 4:
Name: Anisah
How I know Anisah:
FB Ads
Anisah’s financial situation:
Initial Problem:
Anisah needed a personal loan for business capital.
She had no issues paying existing bank loans and decided to clear all her debts to improve her credit score.
After clearing her debts, her CCRIS record showed no active loans, making banks hesitant to approve her personal loan due to lack of credit history.
How we solve Anisah’s financial problem:
Citi Pro Management’s Solution:
Citi Pro suggested Anisah to purchase a house with cashback.
Citi Pro covered all costs, including the 10% down payment, legal fees, insurance, and other expenses.
Citi Pro provided monthly subsidies for 7 years to cover Anisah’s loan repayments.
After 7 years, Anisah could choose to rent out the property or sell it. Proceeds from the sale would pay off the remaining loan balance, with the excess used for her own needs.
Benefits for Anisah:
Business Capital: Anisah used the cashback from the property purchase as business capital.
Passive Income: She acquired a property generating monthly passive income.
Financial Flexibility: Anisah didn’t have to repay the cashback to any party.
Double Benefit: Anisah gained business capital and a long-term investment property, achieving twice the benefit compared to her original plan of getting a personal loan.
Similar customer’s case I’m targeting:
Individuals like Anisah, who face difficulties getting personal loans due to lack of credit history, can benefit from Citi Pro Management’s tailored solutions. By leveraging the “cashback” property purchase method, clients can secure business capital, generate passive income, and achieve financial stability without ongoing repayments.
Case Study Customer 5:
Name: Omar
How I know Omar:
Introduced by my cousin
Omar’s financial situation:
Initial Problem:
Omar is interested in real estate investment but lacks the capital and expertise to manage it.
He is very busy working as a manager at an international company in KLCC.
How we solve Omar’s financial problem:
Citi Pro Management’s Solution:
Omar saw Citi Pro’s ad on Facebook and visited their office for more information.
Citi Pro had a luxury condominium unit next to KLCC that matched Omar’s financial profile.
Omar agreed to Citi Pro’s proposal, which included:
Providing capital to cover all initial investment costs.
Covering the 10% down payment, legal fees, insurance, and other expenses.
Offering monthly subsidies to help Omar pay the bank loan for 9 years.
Managing the property for 9 years.
Benefits for Omar:
Passive Income: Omar receives passive income for 9 years from the rented property managed by Citi Pro.
Property Sale: After 9 years, Omar can sell the property, with 100% of the sale profit going to him.
Reinvestment Opportunity: Omar can choose to reinvest in another property through Citi Pro.
Similar customer’s case I’m targeting:
Omar successfully invested in real estate without upfront costs or management responsibilities, generating passive income and a potential profitable sale in the future. Individuals like Omar, who are busy professionals but interested in real estate investment, can benefit from Citi Pro Management’s comprehensive support and expertise.
Case Study Customer 6:
Name: Din
How I know Din:
Old customer
Din’s financial situation:
Individuals like Din, who face difficulties due to rising living costs and insufficient property values, can benefit from Citi Pro Management’s services. By restructuring credit, securing personal loans, and refinancing properties, clients can reduce their financial burdens and achieve stability.
How we solve Din’s financial problem:
Citi Pro Management’s Solution:
Valuation: Citi Pro found that the house’s value had increased but not enough to cover all debts.
Credit Restructuring: Citi Pro decided to help Din get a personal loan, but first, they needed to restructure his credit.
Din agreed to Citi Pro’s proposal for credit restructuring, securing a personal loan, and refinancing the house.
Process:
Din signed an agreement with Citi Pro.
Citi Pro restructured Din’s credit, secured a personal loan, and refinanced the house.
Din was able to pay off his old debts.
Benefits for Din:
Debt Settlement: Din managed to settle his old debts.
Lower Commitments: Din’s financial commitments are now much lower than before.
Similar customer’s case I’m targeting:
Individuals like Din, who face difficulties due to rising living costs and insufficient property values, can benefit from Citi Pro Management’s services. By restructuring credit, securing personal loans, and refinancing properties, clients can reduce their financial burdens and achieve stability.
Case Study Customer 7:
Name: Amir
How I know Amir:
My former client
Amir’s financial situation:
Businesses whose customers face challenges securing bank loans due to poor credit scores or unfavorable CCRIS records, and who seek expert assistance in credit repair to enhance loan approval rates and drive sales growth.
How we solve Din’s financial problem:
Solution and Benefits:
Credit Counseling:
Whenever Amir’s customers face difficulties securing bank loans due to poor credit scores and CCRIS records, Amir sends their documents to Citi Pro for credit counseling.
Improved Sales:
With Citi Pro’s assistance, Amir’s business has thrived as more customers can now secure loans or receive cash through credit restructuring.
Some customers even purchase luxury motorcycles without using their own money, thanks to the cashback received from Citi Pro’s credit restructuring.
Similar customer’s case I’m targeting:
Businesses whose customers face challenges securing bank loans due to poor credit scores or unfavorable CCRIS records, and who seek expert assistance in credit repair to enhance loan approval rates and drive sales growth. achieve stability.
Case Study Customer 8:
Name: Wan
How I know Wan:
My former client
Wan’s financial situation:
Wan is a business owner managing his company alongside a business partner. Recently, he faced a financial challenge as he needed funds to support his child’s university expenses and simultaneously grow his business. Wan’s financial records are in good standing—he declares and pays his income taxes on time, and his existing debts are minimal, making him eligible for financial solutions.
How we solve Wan’s financial problem:
To assist Wan, we identified a property with a cashback opportunity. By securing a home loan from the bank, Wan was able to access the cashback once the loan was approved. The cashback enabled him to:
1. Cover his child’s university fees.
2. Fund the expansion of his business operations.
3. Allocate a portion of the cashback to cover the monthly loan repayments for the next year.
This strategic solution addressed Wan’s immediate financial needs while also supporting his long-term business growth without overburdening his financial stability.
Similar customer’s case I’m targeting:
I am targeting customers who are:
– Business owners with stable incomes and proper financial documentation, such as income tax declarations.
– Individuals with minimal debts and good financial records.
-Those in need of funds for both personal and business purposes, such as education expenses or business expansion.
– Customers open to leveraging property investment to obtain cashback or other financial benefits.