Cashier

Position Overview

The Cashier role at Ujjivan Small Finance Bank's branch involves managing all cash-related transactions and operations in adherence to banking policies and ensuring accurate record-keeping and reconciliation.

Key Responsibilities

• Ensure smooth branch operations by promptly and correctly processing cash transactions and maintaining accounts.
• Manage cash handling functions including receipt and processing of cheques, drafts, dividend warrants, pay orders, and other withdrawal instruments within authorized limits and issuing acknowledgments.
• Dispense cash for withdrawal requests and accept cash deposits as per accepted procedures.
• Collect repayments as per EMI schedules and update system records accordingly.
• Maintain various registers such as inward/outward register, petty cash register, and asset register; coordinate requisition forms to the Regional Head Office.
• Conduct daily cash tallying against transaction books and vouchers; prepare and submit 'End of Day' branch reports.
• Oversee cash handling and jointly maintain the branch vault with the operations officer.
• Engage with customers during cash transactions, understand their needs, identify cross-selling opportunities, and update them about bank products and services.
• Provide courteous and efficient customer service; escalate complex queries and grievances promptly.
• Clarify monthly repayment schedules and assist customers in using alternative banking channels.
• Monitor cash counts at the start and end of the day before vaulting.
• Secure custody of branch cash, keys, and valuables alongside the Assistant Branch Manager, ensuring smooth cash department functioning.
• Adhere to defined turnaround times for cash transactions and comply with all banking regulations and internal policies.
• Verify and process loan repayment transactions accurately.
• Authenticate customers during cash withdrawals and check accuracy of deposit slips per audit standards.
• Update bank passbooks as required and prepare cash bundles for currency chest deposits with appropriate notes.
• Maintain up-to-date knowledge of bank products, regulatory compliance, and customer identification principles.
• Complete mandatory training and certification programs within specified timeframes.

Qualifications and Skills

• Any graduate degree, preference for Finance or Commerce fields.
• At least 1 to 2 years experience managing high-volume cash transactions.
• Familiarity with financial accounting software or ERP systems and consolidating accounting data.
• Expertise in cash handling, including detection of counterfeit notes.
• Strong numerical aptitude, meticulousness, and timely service orientation.
• Proficient computer skills; relevant software training to be provided.
• Excellent multitasking, communication, and interpersonal skills.
• Positive attitude with a service-driven mindset focused on minimizing customer wait times.

Working Relationships

• Collaborate with regional operations teams, financial control units, service quality executives, and BC Agents.
• Liaise with neighboring banks and cash management organizations.

Additional Information

This full-time position reports to the Branch Operation Officer and requires joint responsibility for the branch vault with operations personnel. Candidates must adhere strictly to operational guidelines and bank policies while maintaining superior customer service standards.