Virtual Relationship Manager

Requirements

Virtual Relationship Manager (VRM)

Fixed Deposit (FD) mobilization, investment product sales, and client relationship management

Key Responsibilities:

• Client Portfolio Management: Handle a portfolio of retail and HNI clients through digital channels such as phone calls, emails, and WhatsApp. Build lasting client relationships with an advisory mindset.
• Fixed Deposit (FD) Sales: Proactively pitch and sell FD products to both existing and prospective customers. Explain features, interest rates, maturity benefits, and safety to generate client interest and conversions.
• Investment Product Sales: Cross-sell a suite of investment and wealth products including mutual funds, bonds, tax-saving instruments, and insurance solutions.
• Lead Generation & Conversion: Identify new sales opportunities through personal network, referrals, and cold calling. Follow up persistently to close sales and achieve daily, weekly, and monthly sales goals.
• Sales Target Achievement: Meet or exceed assigned targets for FD mobilization and other wealth products. Track performance against KPIs and take necessary steps to improve.
• Customer Relationship Management: Ensure high customer satisfaction by providing timely assistance, proactive follow-ups, and tailored product offerings. Maintain regular touchpoints with clients for renewals, top-ups, and cross-selling.
• Compliance & Documentation: Adhere to internal and regulatory compliance requirements including KYC, data privacy, and operational risk. Coordinate with backend and operations teams for smooth account opening, processing, and documentation.
• Data & Call Log Maintenance: Maintain accurate and up-to-date records of all client interactions, sales leads, and follow-ups using CRM tools or Excel trackers.
  

Requirements:

• Bachelor's degree in Finance, Business, or a related field.
• Minimum 3 years of experience in financial sales with a strong focus on FD mobilization and investment products.
• Excellent communication and persuasion skills over phone and digital channels.
• Prior experience handling HNI/retail clients virtually is preferred.
• Solid understanding of investment and wealth products.
• Goal-oriented with a passion for sales and client success.
• Comfortable using CRM tools and managing digital workflows.