Senior Virtual Relationship Manager - Business Banking - SME

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.