Cashier

Position Overview

The Cashier role at Ujjivan Small Finance Bank is a full-time position based at the branch in Pattukkottai, Tamil Nadu. Reporting to the Branch Operation Manager, this role involves managing all cash-related transactions and operations according to banking guidelines, ensuring accurate record-keeping and end-of-day reconciliations.

Key Responsibilities

• Accurately process daily cash transactions and maintain account servicing efficiently.
• Manage cash handling, including receipt and processing of cheques, drafts, pay orders, and other payment instruments within authorized limits.
• Disburse cash for withdrawal requests and accept cash deposits, including EMI repayments, while maintaining precise system entries.
• Maintain various registers such as inward/outward register, petty cash, and assets register; prepare and send requisition forms to the Regional Head Office.
• Perform daily cash tallying against transaction records and vouchers; compile and report findings in the 'End of Day' Branch report.
• Oversee the operation and maintenance of the Branch vault alongside the operations officer.
• Engage with customers during transactions to understand their needs, provide superior service, and identify cross-sell opportunities to promote new bank products.
• Explain repayment schedules and contact information to customers during disbursement and respond politely to queries.
• Educate customers on using alternative channels for banking services.
• Count and verify cash at the start and close of the day before vaulting.
• Securely hold cash, keys, and valuables jointly with the assistant branch manager, ensuring smooth operations of the cash department.
• Ensure all transactions adhere to defined turnaround times (TAT) and comply with regulatory and bank policies on cashier operations and cash management.
• Verify loan repayment transactions and validate customer authenticity during cash withdrawals.
• Check accuracy of cash deposit slips as per audit standards and update bank passbooks accordingly.
• Process cash bundles for currency chest deposits with appropriate documentation.
• Maintain up-to-date knowledge of bank products, regulations, and "Know Your Customer" (KYC) principles.
• Complete mandatory certification and training programs as scheduled.
• Participate actively in goal setting, performance appraisals, and reviews within stipulated timelines.

Qualifications & Experience

• Bachelor’s degree in any discipline preferred, with a preference for Finance or Commerce.
• One to two years of experience in high-volume cash handling roles.
• Familiarity with financial modules/ERP systems and experience consolidating accounting data.

Skills & Competencies

• Strong cash handling and accounting aptitude with capability to detect counterfeit notes.
• Meticulous, systematic, and able to deliver timely, courteous customer service.
• Computer proficiency and readiness to learn relevant banking software via on-the-job training.
• Excellent numerical skills and ability to multitask effectively.
• Positive interpersonal skills and a strong orientation towards customer service.
• Effective listening and communication skills.
• Key competencies include execution ability, relationship management, and customer focus.

Key Stakeholder Interactions

Internal coordination with the regional operations team, regional FCU officer, and service quality executives. Externally, interaction with neighboring banks, cash management agencies, and business correspondent agents.