Cashier

Position Overview

The role of Cashier at Ujjivan Small Finance Bank involves managing all cash-related operations within the branch in accordance with banking guidelines. This includes accurate processing of transactions, maintaining registers, and performing daily reconciliations to ensure financial accuracy.

Key Responsibilities

• Ensure smooth branch operations by processing cash transactions and maintaining accounts accurately and promptly.
• Manage the branch's cash handling functions, including receipt and processing of cheques, drafts, dividend warrants, pay orders, and other instruments within authorized limits, while issuing acknowledgments.
• Disburse cash for withdrawal requests and collect deposits using deposit challans.
• Collect loan repayments as per EMI schedules and record them in the system.
• Maintain various registers such as inward/outward cash registers, petty cash registers, and asset registers; submit requisition forms to the Regional Head Office as required.
• Perform daily cash tallying with transactional records and vouchers, and prepare the Branch's End of Day report.
• Share joint responsibility with the Operations Officer for handling cash and maintaining the branch vault.
• Engage with customers during cash transactions, understand their requirements, and identify cross-selling opportunities by updating them about new bank products and services.
• Provide excellent customer service by addressing queries courteously, escalating grievances to appropriate authorities timely, and educating customers on alternative banking channels.
• Count and verify cash at the start and end of each day before securing it in the vault.
• Safeguard branch cash, keys, and valuables jointly with the Assistant Branch Manager and ensure smooth functioning of the cash department.
• Ensure compliance with defined transaction turnaround times and all applicable regulations and bank policies regarding cash operations.
• Validate authenticity of customers during withdrawals and accuracy of cash deposit slips as required by audits.
• Update bank passbooks for relevant transactions and prepare cash bundles with note slips for currency chest deposits.
• Continuously update knowledge on bank products, regulatory requirements, and KYC principles.
• Complete mandatory training and certification programs organized by the operations department and participate in performance management activities within deadlines.

Qualifications and Skills

• A graduation degree is required, preferably in Finance or Commerce.
• 1-2 years of experience handling significant cash volumes.
• Familiarity with financial modules and ERP software for accounting entries.
• Experience consolidating accounting data.
• Strong cash handling and accounting capabilities, including detection of counterfeit notes.
• Organized, meticulous, and efficient in customer service.
• Proficiency with computer operations and relevant banking software (training provided).
• Strong numerical aptitude and ability to multitask effectively.
• Excellent interpersonal, communication, and customer service skills.
• Competencies include execution, relationship management, and customer focus.

Interactions

Internal collaboration with regional operations teams, financial control unit officers, and service quality executives is vital. Externally, coordination includes neighboring banks, cash management agencies, and BC agents.

Additional Information

This is a full-time, onsite position located at the branch in Latur, Maharashtra. The role reports directly to the Branch Operation Officer and holds grade AM-II within the Branch Banking department.