Cashier - Branch Banking

Role Summary

The cashier is responsible for managing all cash-related activities in the branch, ensuring compliance with internal and external banking guidelines. This includes handling transactions, maintaining accurate records, and conducting daily reconciliations.

Key Responsibilities

• Efficiently process cash transactions and maintain accurate account updates.
• Manage cash handling functions including receipt and disbursement of cheques, drafts, pay orders, and dividend warrants within authorized limits.
• Collect loan repayments as per EMI schedules and update records accordingly.
• Maintain registers such as inward/outward, petty cash, and assets; coordinate requisitions with Regional Head Office.
• Perform daily cash tallying against transaction records and generate end-of-day branch reports.
• Ensure secure operation and maintenance of the branch vault jointly with the operations officer.
• Engage customers proactively during cash transactions to understand needs and promote bank products and services.

Service Quality

• Deliver excellent customer service with courtesy and responsiveness.
• Timely escalate customer queries or complaints to relevant authorities.
• Inform customers about repayment schedules and provide assistance for any clarifications during transactions.
• Encourage customers to use alternative banking channels for deposits, withdrawals, and enquiries.

Operational Duties

• Count and verify cash holdings at the start and end of each day prior to vaulting.
• Safeguard branch cash, keys, and valuables jointly with the Assistant Branch Manager.
• Adhere to defined turnaround times for transaction processing.
• Ensure compliance with banking policies, regulations, and cashier operation procedures.
• Authenticate customer identity during cash withdrawals.
• Verify accuracy of cash deposit slips in alignment with audit standards.
• Update bank passbooks for all transactions.
• Prepare cash bundles for deposits to currency chest accompanied by note slips.

Learning and Development

• Stay updated on Ujjivan’s products, services, and applicable regulatory requirements.
• Complete mandatory certification and training programs organized by the operations department.
• Participate in goal setting, mid-year reviews, and performance appraisals within deadlines.

Eligibility and Requirements

• Educational: Graduate in any discipline; preference for finance or commerce backgrounds.
• Experience: At least 1-2 years handling cash transactions at significant volumes.
• Experience using financial software modules or ERP systems and consolidating accounting data.
• Functional skills include strong cash handling and accounting capabilities, ability to identify counterfeit currency, good numerical aptitude, multitasking, and basic computer proficiency (relevant software training provided).
• Behavioral competencies: positive interpersonal skills, customer service focus, effective communication and listening.
• Competencies: strong execution capabilities, relationship management, and customer orientation.

Interactions

• Works closely with regional operations teams, financial control units, service quality executives, neighboring banks, cash management agencies, and business correspondents.