Cashier

Position Overview

The Cashier at Ujjivan Small Finance Bank holds the responsibility of managing all cash-related transactions and procedures for the branch, adhering strictly to banking standards and regulations. This role involves maintaining accurate records, performing daily reconciliations, and ensuring smooth cash operations within the branch.

Key Duties and Responsibilities

• Support effective branch functioning through precise and prompt processing of cash transactions and account upkeep.
• Oversee the cash handling functions of the branch, including receipt and processing of cheques, drafts, dividend warrants, pay orders, and similar instruments within authorized limits, issuing acknowledgments accordingly.
• Disburse cash for withdrawal requests and collect cash for deposits, maintaining accurate system entries for EMI repayments.
• Manage and update inward/outward registers, petty cash and assets registers, and submit requisitions to the Regional Head Office.
• Perform daily cash tallies aligned with transaction records and vouchers, reporting outcomes in the 'End of Day' branch report.
• Jointly manage cash handling and vault operations with the Branch Operation Officer.
• Engage customers courteously during transactions, identify opportunities for cross-selling, and inform customers about new products and services offered by the bank.
• Provide excellent customer service by efficiently addressing their needs and escalating grievances appropriately.
• Educate customers about alternate channels for transactions, clarify repayment schedules, and provide contact details for assistance.
• Count and verify cash at start and end of day before vaulting, ensuring secure custody of cash, keys, and valuables alongside the Assistant Branch Manager.
• Ensure compliance with transaction turnaround times, regulatory standards, and internal policies related to cashier operations and cash management.
• Authenticate customer identity during withdrawals and verify accuracy of deposit slips per audit requirements.
• Update passbooks for transactions and prepare cash bundles with note slips for currency chest deposits.
• Maintain up-to-date knowledge of bank products, regulatory requirements, and "Know Your Customer" guidelines, completing all mandatory training and certification programs as scheduled.
• Set and review performance goals periodically in alignment with organizational practices.

Educational and Professional Requirements

• Graduation in any discipline is required, with preference for Finance or Commerce subjects.
• Minimum 1 to 2 years of experience handling high-volume cash transactions.
• Experience with financial systems or ERP modules for transaction entries and accounting consolidation is necessary.

Skills and Competencies

• Proficient cash handling and accounting capabilities, including detecting counterfeit notes.
• Highly organized, attentive to detail, and committed to timely customer service.
• Computer literacy with relevant software proficiency; on-job training provided.
• Strong numerical and multitasking skills.
• Interpersonal and communication skills oriented toward positive customer relations.
• Execution-driven with an emphasis on relationship management and customer focus.

Stakeholder Interaction

• Collaborates with regional operations, FCU officers, service quality executives, neighboring banks, cash management agencies, and BC agents.

Additional Information

• Job Grade: AM-II
• Department: Branch Banking
• Reports to: Branch Operation Officer
• Location: Branch
• Employment Type: Full-time