Cashier

Position Overview

The role is for a Cashier in Branch Banking at the branch level in Pattukkottai, Tamil Nadu. This is a full-time position at grade AM-II, reporting to the Branch Operation Manager. There is no further reporting line specified.

Purpose of the Role

This position exists to handle all cash-related branch activities in accordance with internal and external banking rules, keep the required records in registers and online systems, and complete end-of-day reconciliation accurately.

Core Responsibilities

• Support smooth branch functioning by processing cash transactions and account-related updates accurately and on time.
• Manage the branch cash-handling function, including acceptance and processing of cheques, drafts, dividend warrants, pay orders, and similar instruments within permitted limits, and provide acknowledgement in the counterfoil.
• Pay out cash against withdrawal requests and accept cash deposits through challans.
• Collect loan repayments as per the EMI schedule and update the system entries accordingly.
• Maintain inward and outward registers, petty cash records, and asset registers, and forward requisition forms to the Regional Head Office.
• Reconcile cash with transaction books and vouchers daily and reflect the same in the branch end-of-day report.
• Jointly manage the cash and branch vault operations with the operations officer.
• Engage with customers during deposits and withdrawals, understand their needs, identify cross-sell opportunities, and inform them about Ujjivan’s products and services.

Customer Service Expectations

• Deliver polite, efficient, and helpful service to customers.
• Route customer issues and complaints to the right authority without delay.
• Clearly explain repayment dates and contact numbers for clarifications during disbursement, and respond to customer questions courteously.
• Guide customers toward alternate channels for deposits, withdrawals, and account inquiries.

Operational Responsibilities

• Count and verify cash at the start of the day and at day end before vaulting.
• Safeguard cash, keys, and other valuables jointly with the Assistant Branch Manager, ensuring the cash department runs efficiently.
• Meet the defined turnaround time for all transactions.
• Follow all relevant regulations and bank policies related to cashiering and cash management.
• Account for and verify loan repayment transactions.
• Check customer identity carefully during cash withdrawals.
• Confirm that cash deposit slips are accurate for audit purposes.
• Update passbooks whenever a transaction requires it.
• Prepare cash bundles for currency chest deposit along with note slips.

Learning and Performance

• Stay updated on Ujjivan’s products, services, regulations, and KYC principles.
• Complete certification programs arranged by the operations department.
• Attend all required training and mandatory learning days.
• Complete goal setting, mid-year review, and performance appraisal steps within the required timelines.

Role Size and Scope

The internal role-sizing areas mentioned for this position include daily cash transactions, CRL limit, branch audit, and ATM/vault responsibilities.

Minimum Qualifications and Experience

A graduate degree is required, preferably with a background in Finance or Commerce. The role calls for 1 to 2 years of experience handling cash at volume. Candidates should also have experience using financial modules or ERP systems and consolidating accounting data.

Skills and Competencies

• Cash handling and cash accounting
• Ability to detect counterfeit currency
• Accuracy and attention to detail
• Customer service orientation
• Computer literacy
• Use of business software
• Strong numerical ability
• Multitasking
• Interpersonal communication
• Listening skills
• Relationship management
• Execution focus
• Customer centricity

Key Interactions

Internal and external contacts listed for this role include the regional operations team, regional FCU officer, service quality executive, neighboring banks, cash management agencies, and BC agents.

Additional Information

This document was 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. It is marked as an internal document.