Cashier

Position Overview

The Cashier role at Ujjivan Small Finance Bank in Puttur, Karnataka, is responsible for managing all cash-related transactions and branch operations according to internal and external banking guidelines. The cashier ensures proper documentation and reconciliation of transactions daily, reporting to the Branch Operation Manager.

Key Responsibilities

• Process all cash transactions accurately and timely to support efficient branch functioning.
• Manage cash handling functions including receiving and processing cheques, drafts, pay orders and other withdrawal instruments within authorized limits, providing receipts for transactions.
• Disburse funds against withdrawal requests and collect deposits with proper entries in the system.
• Collect repayments as per the EMI schedule and maintain related system records.
• Maintain various registers such as inward/outward, petty cash, and assets, and coordinate requisition forms with the Regional Head Office.
• Perform daily cash tallying aligning with transaction records, producing an end-of-day branch report.
• Oversee cash management and vault operations alongside the operations officer responsibly.
• Engage with customers during cash transactions, understand their needs, identify cross-selling opportunities, and inform them about new bank products and services.
• Provide exceptional customer service by addressing queries swiftly and escalating grievances appropriately.
• Educate customers on alternative banking channels for deposits, withdrawals, and inquiries.
• Ensure cash counting and verification at start and end of day prior to vaulting.
• Maintain custody of branch cash, keys, and valuables jointly with the Assistant Branch Manager while ensuring smooth cash department operations.
• Comply with transaction turnaround times and regulatory requirements related to cashier operations and cash management.
• Validate customer identity for cash withdrawals and verify cash deposit slip accuracy as per audit standards.
• Update bank passbooks in line with transactions and prepare cash bundles for currency chest deposits.

Qualifications and Experience

• Graduate in any field, preferably with a focus on Finance or Commerce.
• Minimum 1 to 2 years of proven experience handling substantial cash volumes.
• Experience with financial software modules or ERP systems and consolidating accounting data is essential.

Skills and Competencies

• Proficient in cash handling and accounting practices.
• Capable of identifying counterfeit currency notes.
• Meticulous and organized approach with an emphasis on timely customer service.
• Awareness of minimizing customer wait times and operating computer systems effectively.
• Strong numerical aptitude and multitasking abilities.
• Positive interpersonal skills, good listening, and communication capabilities.
• Commitment to execution, relationship management, and customer focus.

Key Interactions

• Internal: Regional operations team, Regional FCU officer, Service Quality executive.
• External: Neighboring banks, Cash management agencies, Business Correspondent (BC) agents.

Additional Information

This is a full-time onsite position based in the branch. The role is graded AM-II within the Branch Banking department. The cashier must adhere strictly to bank policies and regulatory standards to ensure operational efficiency and compliance.