Cashier

Position Overview

The opening is for a Cashier in the Branch Banking department at branch level. This is a full-time role, graded as AM-II, and the position reports to the Branch Operation Manager. There is no reporting team attached to this role.

Role Purpose

The Cashier is expected to manage all cash-related branch transactions and activities in line with internal and external banking rules. The role also involves making the required system and register entries and completing the end-of-day reconciliation process.

Scope of the Role

The role covers the following operational areas: daily cash transactions, CRL limit, branch audit, and ATM/vault handling.

Key Responsibilities

Ensure smooth branch functioning by processing cash transactions accurately and within the expected timelines, while also supporting account maintenance tasks.

Take ownership of the branch cash-handling function, including:

• Receiving and processing cheques, drafts, dividend warrants, pay orders, and similar instruments, except bill-related withdrawals, within approved limits, and issuing acknowledgements on the counterfoil.
• Paying out cash for withdrawal requests and accepting cash for deposit challans.
• Collecting repayments according to the EMI schedule and updating the necessary system records.
• Maintaining inward and outward registers, petty cash records, and assets registers, and forwarding requisition forms to the Regional Head Office.
• Reconciling cash with transaction books and vouchers every day and reporting the result in the branch end-of-day report.
• Managing cash and jointly handling the branch vault along with the operations officer.
• Interacting with customers during deposits and disbursements, understanding their needs, identifying cross-sell opportunities, and informing them about Ujjivan’s products and services.

Deliver a strong customer experience by providing polite, efficient support and resolving queries appropriately.

Escalate customer complaints and questions to the right authority without delay.

Clearly explain repayment dates and relevant contact numbers during disbursement, and answer customer questions courteously.

Guide customers toward alternate channels for deposits, withdrawals, and inquiries.

Handle operations by counting and verifying cash at the start and end of the day before vaulting.

Safeguard the branch cash, keys, and other valuables together with the Assistant Branch Manager, and help ensure the cash department runs efficiently.

Meet the turnaround time standards for all transactions.

Follow all applicable regulations and bank policies related to cashier operations and cash management.

Verify and account for loan repayment transactions.

Check customer identity carefully during cash withdrawals.

Review cash deposit slips for accuracy as required by audit standards.

Update passbooks whenever transactions are carried out.

Prepare cash bundles for currency chest deposits along with note slips.

Keep up to date with the bank’s products, services, regulations, and KYC principles.

Complete certification programs arranged by the operations department and remain compliant with mandatory training requirements.

Participate in goal setting, mid-year review, and performance appraisal cycles within the prescribed timelines.

Education and Experience

Applicants should be graduates, preferably with a background in Finance or Commerce.

The role requires 1 to 2 years of experience handling high-volume cash operations.

Experience with entries in financial modules or ERP systems is expected, along with exposure to consolidating accounting data.

Skills and Competencies

The role calls for strong cash-handling and accounting ability, careful handling of currency, and the ability to spot counterfeit notes.

Applicants should be systematic, precise, and able to deliver customer service promptly.

Comfort with computers, relevant software, strong numerical ability, and multitasking are important.

Good interpersonal skills, a customer-first attitude, and effective listening and communication are also essential.

Working Relationships

The role interacts with regional operations teams, the regional FCU officer, service quality executives, neighboring banks, cash management agencies, and BC agents.

Additional Information

This is an internal job document. The role is intended for branch-level execution and requires close coordination with operations personnel for vault and cash control responsibilities. No certification is required for entry into the role.