Job Title: Virtual Relationship Manager (VRM) – Cross Selling
Location: Juinagar, Navi Mumbai
Department: Retail Banking – Virtual Relationship Management
CTC: Up to ₹6 LPA
Experience: 1–5 Years
Job Purpose
We are looking for a customer-focused and sales-driven Virtual Relationship Manager (VRM) to manage customer relationships through phone and digital channels. The role involves engaging with existing customers, understanding their financial needs, cross-selling banking products, providing exceptional service, and achieving assigned sales targets while ensuring compliance with bank policies.
Key Responsibilities
- Manage and strengthen relationships with the bank's existing customer base through outbound and inbound calls.
- Identify customer needs and recommend suitable banking and financial products.
- Cross-sell products such as:
- Savings & Current Accounts (CASA)
- Fixed Deposits (FD)
- Personal Loans
- Home Loans
- Credit Cards
- Insurance
- Mutual Funds
- Digital Banking Services
- Achieve monthly sales and revenue targets.
- Handle customer queries and provide prompt resolution.
- Ensure high customer satisfaction and service quality.
- Maintain accurate customer interaction records in CRM systems.
- Follow RBI guidelines, KYC, AML, and internal compliance processes.
- Coordinate with branch and product teams for customer fulfilment.
- Build long-term customer relationships and improve portfolio value.
Eligibility Criteria
- Graduate in any discipline.
- 1–5 years of experience in Retail Banking, Phone Banking, Virtual Relationship Management, Customer Service, or Banking Sales.
- Freshers with excellent communication skills and strong sales aptitude may also be considered (subject to business requirements).
Required Skills
- Excellent verbal communication in English and Hindi (regional language is an added advantage).
- Robust customer relationship management skills.
- Proven experience in cross-selling and upselling banking products.
- Good understanding of retail banking products.
- Sales orientation with target achievement mindset.
- Customer handling and objection resolution skills.
- Knowledge of CRM systems and MS Office.
- Team player with strong interpersonal skills.
Preferred Candidate Profile
Pay: ₹500,000.00 - ₹600,000.00 per year
Benefits:
- Cell phone reimbursement
- Commuter assistance
- Health insurance
- Internet reimbursement
- Leave encashment
- Life insurance
- Paid sick time
- Paid time off
- Provident Fund