Cashier

Role Overview

This position is for a Cashier in the Branch Banking department at the Branch location in Thrissur, Kerala. The role is graded AM-II and is a full-time position reporting to the Branch Operation Manager.

Purpose of the Role

The cashier is expected to manage all cash-linked branch activities in line with internal procedures and external banking rules. The role also includes maintaining accurate entries in registers and system records, along with completing the daily end-of-day reconciliation.

Core Scope

The role covers daily cash handling, CRL limit management, branch audit support, and ATM/vault-related responsibilities.

Key Responsibilities

Ensure smooth branch operations by processing cash transactions accurately and on time, while also supporting account maintenance activities.

• Handle the branch’s cash operations, including receipt and processing of cheques, drafts, dividend warrants, pay orders, and similar instruments, within approved limits, and issue proper acknowledgements.
• Disburse cash for withdrawal requests and accept cash for deposit challans.
• Collect loan repayments according to the EMI schedule and update the relevant system entries.
• Maintain inward and outward registers, petty cash records, and asset registers, and submit requisition forms to the Regional Head Office when required.
• Reconcile cash with transaction books and vouchers every day, and ensure the same is reflected in the End of Day branch report.
• Share responsibility for cash custody and branch vault operations together with the operations officer.
• Interact with customers during deposits and disbursements, understand their needs, and identify cross-sell opportunities while informing them about Ujjivan’s products and services.
• Deliver courteous and efficient support to customers and resolve queries in a timely manner.
• Escalate complaints and grievances to the appropriate authority without delay.
• Explain monthly repayment dates and contact numbers for clarification during disbursement, and address customer questions politely.
• Guide customers toward alternate channels for deposits, withdrawals, and inquiries.
• Check and count cash at the start of the day and at day end before vaulting.
• Safeguard the branch’s cash, keys, and other valuables jointly with the Assistant Branch Manager, ensuring the cash desk runs smoothly.
• Adhere to turnaround time requirements for all transactions.
• Follow all applicable regulations and bank policies for cash management and cashier operations.
• Verify loan repayment transactions and record them correctly.
• Confirm customer authenticity during cash withdrawals.
• Check deposit slip accuracy as required by audit standards.
• Update passbooks for applicable transactions.
• Prepare cash bundles for currency chest deposits with note slips.
• Keep up to date on the bank’s products, services, regulations, and KYC expectations.
• Complete certification programs arranged by the operations department.
• Participate in mandatory training and meet required training man-days.
• Support goal setting, mid-year review, and performance appraisal timelines.

Requirements

The ideal candidate should be a graduate, preferably from a Finance or Commerce background, with 1 to 2 years of experience handling high-volume cash operations. Experience with entries in financial modules or ERP systems and consolidation of accounting data is required. The role also demands strong computer usage, numerical ability, careful handling of cash, and the ability to identify counterfeit notes. Good multitasking, customer service focus, and effective communication are important.

Working Relationships

Internal coordination is expected with the regional operations team, regional FCU officer, and service quality executive. External interaction includes neighboring banks, cash management agencies, and BC agents.

Additional Information

The document notes that there are no certifications required. It is marked as an internal document.

Administrative Details

Prepared by Priyanka Pal on 20-03-2026, reviewed by Jyothi Mohan on 24-03-2026, and last updated by the TM Team on 27-03-2026.