Position: Virtual Relationship Officer (VRO)
Location: Andheri East, Mumbai
Department: Retail Banking / Customer Relationship Management
Employment Type: Full-Time
Reporting To: Team Leader / Branch Relationship Manager
Job Summary
We are seeking a customer-focused and result-oriented Virtual Relationship Officer to manage and strengthen relationships with customers through digital and telephonic channels. The role involves servicing existing customers, promoting banking products, resolving customer queries, and achieving sales and service targets while ensuring a superior customer experience.
Key Responsibilities
- Manage a portfolio of customers through calls, emails, and digital platforms.
- Build and maintain strong customer relationships to enhance customer satisfaction and retention.
- Identify customer needs and recommend suitable banking products and services.
- Cross-sell and upsell products such as Savings Accounts, Current Accounts, Fixed Deposits, Loans, Credit Cards, Insurance, and Investment products.
- Handle customer inquiries, service requests, and complaints efficiently.
- Ensure timely follow-up on customer requirements and service requests.
- Achieve monthly sales and productivity targets.
- Maintain accurate records of customer interactions in CRM systems.
- Adhere to RBI guidelines, banking regulations, and internal compliance policies.
- Coordinate with internal teams for quick resolution of customer concerns.
- Promote digital banking services and encourage customers to use self-service platforms.
Qualifications
- Graduate in any discipline (B.Com, BBA, BBM, BA, B.Sc preferred).
- MBA or Postgraduate qualification will be an added advantage.
Experience
- 0-4 years of experience in Banking, Financial Services, Customer Service, Tele-Sales, Relationship Management, or Sales.
- Freshers with excellent communication skills may also apply.
Required Skills
- Excellent verbal and written communication skills.
- Strong customer relationship and interpersonal skills.
- Sales and target-oriented mindset.
- Good knowledge of banking products and financial services.
- Ability to handle customer objections and resolve issues effectively.
- Basic computer proficiency and familiarity with CRM systems.
- Ability to multitask and work in a fast-paced environment.
Key Competencies
- Customer Centricity
- Relationship Building
- Sales & Cross-Selling
- Problem Solving
- Negotiation Skills
- Time Management
- Attention to Detail
Salary & Benefits
- Attractive salary package.
- Performance-based incentives.
- PF, Gratuity, Medical Insurance, and other statutory benefits.
- Career growth opportunities within the banking organization.
- Training and development programs.
Preferred Candidate Profile
- Fluent in English, Hindi, and regional languages.
- Strong telephone etiquette and customer handling skills.
- Experience in banking outbound sales or relationship management is preferred.
- Comfortable working from a centralized banking hub or virtual relationship center.
Pay: ₹30,000.00 - ₹35,000.00 per month
Application Question(s):
- How many years of work experience you have?
- what's your Age ?
- Are you okay with Andheri East location ?
- Are you comfortable for 5.5 days of working ?
- Do you have sales experience into BFSI [Wealth products, Insurance, Mutal Funds, Fixed Deposit] through phone calls?
Work Location: In person
