Cashier

Position Overview

The Cashier is a critical role within the Branch Banking department, responsible for managing all cash operations in compliance with banking guidelines. This full-time position reports directly to the Branch Operation Manager and is stationed at the bank branch.

Primary Responsibilities

• Efficiently process cash transactions and maintain accounts, ensuring accuracy and timeliness.
• Manage the branch's cash handling including receipt and processing of various financial instruments (cheques, drafts, pay orders, dividend warrants) within authorized limits, issuing proper acknowledgments.
• Disburse cash for withdrawals and collect deposits against challans; accurately record repayments according to EMI schedules in the system.
• Maintain and update registers such as inward/outward, petty cash, and assets; coordinate with the Regional Head Office for requisition forms.
• Daily cash tally and reconciliation aligned with transaction records; prepare and report daily 'End of Day' summaries.
• Jointly oversee branch vault operations and cash safety with the operations officer.
• Engage with customers during transactions to understand their needs, address queries, and promote bank products and services diplomatically.

Service Excellence

• Provide courteous, efficient customer service and timely escalation of grievances.
• Clarify repayment schedules and support customer inquiries professionally.
• Encourage use of alternative banking channels for deposits, withdrawals, and inquiries.

Operational Duties

• Verify and count cash at start and end of the day before vaulting.
• Safeguard branch cash, keys, and valuables jointly with the Assistant Branch Manager.
• Ensure all transactions adhere to prescribed turnaround times and compliance requirements per bank policies and regulations.
• Authenticate customers during cash withdrawals and validate transaction documents for audit accuracy.
• Update passbooks as necessary and prepare cash bundles with note slips for currency chest deposits.

Learning & Performance Management

• Stay updated with bank products, regulations, and KYC principles.
• Complete required training and certification programs as scheduled.
• Participate in goal setting, mid-year reviews, and performance appraisals within defined deadlines.

Required Qualifications & Experience

• Any undergraduate degree is required; preference given to Finance or Commerce backgrounds.
• At least 1 to 2 years of experience handling significant cash volumes.
• Familiarity with financial modules or ERP systems for recording transactions and consolidating accounting data.

Technical & Behavioral Skills

• Proficient cash handling with the ability to identify counterfeit currency.
• Meticulous and consistent approach to customer service and timely operations.
• Customer sensitivity, particularly regarding wait times.
• Basic computer proficiency; software training provided on the job.
• Strong numeric and multitasking capabilities.
• Positive interpersonal communication and listening skills.
• Customer service focus and strong relationship management.

Key Interactions

• Internal: Regional operations team, Regional FCU officer, Service Quality executive.
• External: Neighboring banks, cash management agencies, BC agents.

Additional Information

All responsibilities and procedures comply with internal and external banking guidelines. This role demands accountability for daily cash operations and the safeguarding of branch financial assets. The position requires collaboration with multiple internal teams and external stakeholders to maintain operational excellence and compliance.