Overview
Senior Virtual Relationship Manager – Business Banking (SME)
Experience: 3 – 5 Years
About the Role:
– We are seeking a dynamic and driven Senior Virtual Relationship Manager (VRM) to join our Business Banking – SME team.
– This role is ideal for professionals who are passionate about customer relationship management, have a flair for sales, and possess strong communication skills. As a Senior VRM, you will be responsible for managing a large and diverse portfolio of SME clients virtually, ensuring superior client servicing and consistent business growth.
– The ideal candidate should have prior experience handling high-value business clients, deep product knowledge across business banking solutions, and the ability to deliver excellence through remote client engagement channels.
Key Responsibilities
1. Portfolio Management:
– Manage a portfolio of approximately 500600 SME clients, ensuring consistent engagement and relationship deepening.
– Act as the single point of contact for all banking needs of assigned customers, maintaining a strong client connect and trust-based relationship.
– Regularly review client portfolios to identify opportunities for cross-selling and up-selling of banking products.
– Ensure timely resolution of customer queries, requests, and grievances to maintain a high level of client satisfaction.
2. Sales and Revenue Generation:
– Drive revenue growth by actively promoting and selling Liability, CASA, Deposits, Forex, Treasury, Remittances, and Trade Finance products to SME clients.
– Achieve assigned monthly and quarterly sales targets for the portfolio through proactive client outreach.
– Identify new business opportunities within existing relationships and work towards expanding the portfolio base.
– Collaborate with internal product teams to deliver customized banking solutions that cater to specific business needs of clients.
3. Client Engagement (Virtual Relationship Management):
– Establish and maintain continuous engagement with clients through calls, video interactions, and virtual meetings.
– Conduct periodic account reviews and business discussions to understand client requirements and provide tailored banking solutions.
– Ensure all client interactions are recorded and tracked through CRM tools for effective follow-up and pipeline management.
– Maintain consistent communication with clients to improve relationship strength and minimize attrition.
4. Compliance and Risk Management
– Ensure all customer transactions and processes comply with regulatory guidelines, internal bank policies, and audit requirements.
– Adhere to the highest standards of integrity, confidentiality, and compliance while handling client portfolios.
– Monitor client accounts for early warning signals and proactively escalate potential risks.
5. Customer Experience:
– Deliver a superior and seamless virtual banking experience through personalized service and responsiveness.
– Actively collect feedback from clients to enhance service delivery and identify areas of improvement.
– Collaborate with operations and service teams to ensure quick turnaround on client requests and smooth execution of transactions.
Required Skills and Competencies:
Functional Skills:
– Strong sales orientation with proven experience in Business Banking / SME / Commercial Banking.
– Sound understanding of Liability, CASA, Term Deposits, Trade Finance, Treasury, and Forex products.
– Proven ability to handle large portfolios (500600 clients) efficiently.
– Good knowledge of banking systems, customer onboarding, KYC norms, and compliance procedures.
Soft Skills:
– Exceptional communication and interpersonal skills with the ability to engage clients virtually.
– Strong analytical and problem-solving skills to understand client needs and offer relevant banking solutions.
– High customer-centricity and a proactive approach to portfolio management.
– Ability to work under pressure while meeting business targets.
Technical Skills:
– Proficiency in CRM tools, MS Office (Excel, PowerPoint, Word), and digital banking platforms.
– Comfort with using virtual communication tools (Teams, Zoom, etc.) for client interaction.
Candidate Profile:
– Graduate / Postgraduate in Commerce, Finance, Business Administration, or related discipline.
– Minimum 35 years of experience in Relationship Management or Portfolio Management within SME / Business Banking.
– Prior experience in virtual or tele-based relationship management roles will be an added advantage.
– Self-motivated professional with a passion for sales and client engagement.
– Must be target-driven, organized, and capable of handling multiple client relationships efficiently.
Key Performance Indicators (KPI’s):
– Achievement of sales and revenue targets across product lines.
– Client engagement and retention rates.
– Growth in CASA balances and trade business volumes.
– Compliance adherence and zero audit observations.
– Customer satisfaction and feedback scores.
Why Join Us?
– Be part of a fast-growing Business Banking division catering to the SME segment across India.
– Opportunity to work in a modern virtual relationship model, enabling flexibility and scalability.
– Exposure to a wide range of business banking products and client industries.
– Continuous learning environment with strong support for performance-driven professionals.
– Attractive compensation and incentive structure linked to business growth and client success.
Work Environment:
– This is a Virtual Relationship role, requiring proactive telephonic and online engagement with clients.
– You will collaborate with internal teams including Credit, Trade, Treasury, and Operations for service delivery.
– The role demands excellent time management and multitasking ability to handle high client volumes efficiently.
Growth Path:
The Senior Virtual Relationship Manager role serves as a strong foundation for career advancement within the banks business banking hierarchy. High-performing individuals will have opportunities to move into:
Senior Relationship Manager (On-field) roles,
Product Specialist positions, or
Team Leadership roles managing VRMs and client segments.
The organization offers structured learning modules and mentorship programs to support your professional growth.