Cashier - Multiple Locations

Position Overview

The position of Cashier at Ujjivan Small Finance Bank, classified as Grade AM-II under the Branch Banking department, is based at the branch location and requires full-time onsite attendance. Reporting directly to the Branch Operation Officer, this role involves managing cash handling and related transactions following bank policies.

Role Objectives

The primary responsibility is to execute all cash transactions accurately and efficiently according to internal and external banking regulations while maintaining precise records and performing daily end-of-day reconciliations in the system.

Key Responsibilities

• Ensure smooth branch operations by processing cash transactions and account maintenance correctly and promptly.
• Take full accountability for cash handling including receipt and processing of instruments like cheques, drafts, pay orders, and dividend warrants within authorized limits, with proper documentation.
• Handle cash disbursement for withdrawal requests and accept deposits, including repayment collections as per EMI schedules, updating system records accordingly.
• Maintain various registers such as inward/outward, petty cash, and assets, and coordinate with the Regional Head Office for requisitions.
• Conduct daily tallying of cash against transaction records and provide comprehensive end-of-day branch reports.
• Co-manage cash and vault operations alongside the operations officer, ensuring secure custody.
• Engage with customers to address withdrawal and deposit transactions, identify cross-selling opportunities, and provide information on new bank products.
• Promote customer service by handling inquiries courteously, educating customers on alternative transaction channels, and escalating grievances promptly.
• Perform operational tasks like counting cash at start and end of day, ensuring compliance with transaction timelines, and following all regulatory and bank policies.
• Validate customer identity on withdrawals, audit deposit slips, update bank passbooks, and manage currency chest deposits.
• Maintain up-to-date knowledge on products, regulatory guidelines, and customer verification processes.
• Complete all mandatory training and certification programs as required by the operations department.
• Participate in performance review processes timely and adhere to training schedules.

Educational and Professional Requirements

• Any undergraduate degree is necessary, preferably in Finance or Commerce.
• Experience of 1-2 years handling significant cash volumes is required.
• Familiarity with financial modules or ERP systems and consolidating accounting data is essential.

Skills and Competencies

• Proficient in cash handling and accounting with the ability to recognize counterfeit currency notes.
• Meticulous, organized, and able to deliver prompt customer service minimizing wait times.
• Mandatory computing proficiency with ability to learn relevant software on the job.
• Strong numerical and multitasking capabilities.
• Exemplary interpersonal skills with customer service focus, effective communication, and listening abilities.
• Competent in execution, relationship management, and maintaining customer focus.

Interactions

• Regular coordination with internal teams including Regional Operations, FCU officers, and Service Quality executives.
• Engagement with external stakeholders such as neighboring banks, cash management agencies, and BC agents.

Additional Information

The cashier holds joint responsibility for the safety and management of branch cash, keys, and valuables with the Assistant Branch Manager. The role demands adherence to turnaround times and compliance with all banking regulations pertaining to cash management.