| Key Responsibilities | Details |
|---|---|
| Portfolio / Customer Management | Manage a portfolio of NRI clients: maintain their accounts, monitor inflows/outflows, address their banking/financial needs. |
| Sales / Cross-Sell | Cross-sell and upsell banking products: investments, asset products, cards, liabilities, remittances, etc. Also deepen CASA (current & savings) balances. |
| New Customer Acquisition (NTB = New To Bank) | Acquire new NRI customers via leads, referrals, overseas branches, etc. |
| Customer Service & Relationship Deepening | Ensure high quality service: respond to queries, provide updates on relevant products, exchange rate fluctuations, etc., maintain contact by calls/emails. |
| Targets / Revenue Goals | Meet monthly/quarterly revenue targets for mapped NRI portfolio: fees, product sales, investment and liability product revenue. |
| Use of Tools & Systems | Use bank tools / CRM / digital platforms to maintain records, track leads, maintain dashboards / MIS. |
| Compliance / Regulatory | Follow internal control policies (KYC, AML etc.), ensure client documentation, maintain regulatory compliance. |
Fixed Salary + Incentives/Commissions based on sales & cross-sell targets.
Performance Bonus (quarterly/annual).
Provident Fund (PF), Gratuity, ESI as per Indian labor law.
Preferential Banking Benefits – lower loan interest rates, special credit card offers, staff accounts with better terms.
Medical Insurance for employee + family.
Accident Insurance & Life Insurance coverage.
Wellness Programs in some banks (health checkups, tie-ups with hospitals).
Paid Leaves – casual, sick, privilege/earned leaves.
Parental Benefits – maternity/paternity leave as per policy.
Public Holidays & Optional Holidays.
In some banks: flexible/remote working, since this is a virtual role.
Training Programs on NRI banking, wealth management, and forex.
Certifications Support – some banks reimburse certifications (like NISM, IRDA, or wealth-related).
Internal Mobility – opportunity to move into Wealth RM, Priority Banking, or Branch Leadership roles.
Fast-track growth for high performers (many Virtual RMs move to Affluent/Wealth segments).
Recognition & Rewards Programs (Star Performer, Incentive Trips).
Employee Assistance Program (EAP) – counseling & stress support.
Networking Exposure – working with international clients broadens career scope.
🏢 Company Name: HDFC Bank Ltd. 📘 Company Summary: HDFC Bank is one of India’s largest and most respected private sector banks. Established in 1994, it was among the first to receive approval from the Reserve Bank of India (RBI) to set up a pri... Read More