Cashier

Position Overview

The role of Cashier, designated as AM-II grade in the Branch Banking department, is a full-time position based at the branch location and reports directly to the Branch Operation Officer. This position is tasked with managing all cash-related transactions and branch-level accounting in compliance with banking norms, including end-of-day reconciliation.

Role Scope

The Cashier handles significant daily cash transactions and maintains CRL limits, coordinates with branch audits, and oversees ATM and vault operations.

Primary Responsibilities

• Ensure smooth functioning of branch cash transactions and maintenance through accurate and timely processing.
• Take full responsibility for managing all cash handling activities such as receipt and processing of cheques, drafts, pay orders, dividend warrants, and similar instruments within authorized limits.
• Disburse cash for withdrawal requests and accept cash deposits with relevant documentation.
• Collect loan repayments as per scheduled EMIs and record necessary system entries.
• Maintain comprehensive registers including inward/outward, petty cash, and asset registers, and forward requisition forms to the Regional Head Office as required.
• Perform daily cash tallying aligned with transaction books and vouchers and provide reports in the End of Day Branch report.
• Jointly with the Operations Officer, oversee cash handling and upkeep of the branch vault.
• Engage with customers during cash transactions to understand their needs, cross-sell products, and inform them about banking services.

Service Excellence

• Deliver exemplary customer service by addressing queries efficiently and courteously.
• Promptly escalate customer grievances to appropriate authorities.
• Explain repayment schedules and provide contact information for customer support during disbursement.
• Encourage customers to utilize alternative channels for transactions and inquiries.

Operational Duties

• Count and verify cash at start and end of the day before storing in the vault.
• Secure branch cash, keys, and valuables in collaboration with the Assistant Branch Manager.
• Ensure all transaction times meet defined turnaround times.
• Comply with all banking regulations and policies related to cash management and cashier duties.
• Verify loan repayment transactions and validate customer identity during cash withdrawals.
• Check accuracy of cash deposit slips and update bank passbooks accordingly.
• Prepare cash bundles for deposits to currency chest with necessary documentation.

Learning and Performance

• Stay updated on Ujjivan’s product offerings, regulatory guidelines, and KYC principles.
• Complete all mandatory training and certification programs organized by operations.
• Ensure goal-setting, progress reviews, and appraisals occur within scheduled timelines.

Qualifications and Experience

• Graduate degree in any discipline, preferably with a focus on Finance or Commerce.
• 1-2 years experience managing large volumes of cash.
• Familiarity with financial software modules or ERP systems.
• Competency in consolidating accounting data.

Skills and Competencies

• Proficient cash handling and accounting capabilities.
• Ability to identify counterfeit currency notes.
• Service-oriented approach with meticulous attention to detail.
• Proficient computer usage with relevant banking software (training provided).
• Strong numerical and multitasking skills.
• Positive interpersonal and communication skills with focus on customer service.
• Attributes include reliability in execution, relationship management, and customer focus.

Interactions

• Internal collaboration with regional operations teams, FCU officers, and service quality executives.
• External coordination with neighboring banks, cash management agencies, and BC agents.

Additional Information

Prepared by Priyanka Pal on 14-02-2024 and reviewed by Jyothi Mohan on 15-02-2024. Last updated by the Talent Management Team on 17-02-2024.