A Virtual Relationship Manager (VRM) at Yes Bank is responsible for managing and maintaining relationships with customers through digital channels such as phone calls, emails, and video interactions instead of face-to-face meetings. The role involves handling a portfolio of clients, understanding their financial needs, and providing suitable banking solutions including savings accounts, fixed deposits, loans, insurance, and investment products. A VRM is also expected to cross-sell and up-sell bank products to achieve sales targets while ensuring high levels of customer satisfaction. In addition, they assist customers with queries related to accounts, transactions, and digital banking services, while guiding them in using mobile and internet banking platforms. The role requires strong communication skills, basic knowledge of banking products, and the ability to resolve issues efficiently while following regulatory guidelines and maintaining proper documentation.