Cashier

Position Overview

The Cashier plays a crucial role in branch banking by managing all cash-related transactions at the assigned branch according to both internal policies and regulatory banking standards. This role requires meticulous record-keeping in registers and online systems, as well as performing systematic end-of-day reconciliations.

Key Responsibilities

• Ensure smooth operation of the branch’s cash handling by accurately processing cash transactions and maintaining customer accounts.
• Handle receipt and processing of financial instruments such as cheques, drafts, dividends, pay orders, and others within permissible withdrawal limits.
• Disperse cash for withdrawal requests and accept cash for deposits following proper documentation.
• Collect loan repayments according to the EMI schedule and update system records accordingly.
• Maintain various registers including inward/outward registers, petty cash registers, and asset registers; coordinate requisitions with the Regional Head Office.
• Conduct daily cash tallying alongside transaction books and vouchers, and report findings in the End of Day Branch report.
• Co-manage branch vault operations with the operations officer, ensuring cash security at all times.
• Engage with customers courteously to process transactions, address their needs, cross-sell products, and inform them about new bank offerings.
• Provide exceptional customer service by responding efficiently and courteously to queries and escalating grievances promptly.
• Educate customers on alternative transaction channels to minimize branch footfall and enhance service efficiency.
• Verify cash at the start and end of each day; maintain safekeeping of branch cash and valuables jointly with the Assistant Branch Manager.
• Adhere to defined turnaround times for all cash and transaction processes in compliance with bank policies and regulatory requirements.
• Validate customer authenticity during withdrawal transactions and verify deposit slip accuracy in line with audit standards.
• Update bank passbooks for relevant transactions and prepare currency bundles for deposits to currency chest.
• Remain informed of bank products, KYC policies, and regulations to ensure compliance and effective service delivery.
• Participate in required certification and training programs, goal setting, and performance review processes timely and diligently.

Required Qualifications and Experience

• Any graduate degree preferred, ideally with specialization in Finance or Commerce.
• At least 1 to 2 years of experience managing high-volume cash transactions.
• Familiarity with financial software modules or ERP systems for transaction entries and accounting consolidation.
• Strong numeric skills, computer literacy, and ability to multitask effectively.

Competencies and Behavioral Attributes

• Excellent cash handling and accounting capabilities, including the skill to identify counterfeit currency.
• Systematic, meticulous approach and awareness of customer wait times to deliver timely service.
• Positive interpersonal communication, customer service focus, and effective listening skills.
• Ability to execute tasks with precision, manage professional relationships, and prioritize customer needs.

Key Interactions

• Internal teams including regional operations, FCU officers, and service quality executives.
• External contacts such as neighboring banks, cash management agencies, and banking correspondent agents.

Document Information

Prepared by Priyanka Pal on 20-03-2026; reviewed by Jyothi Mohan on 24-03-2026; last updated by TM Team on 27-03-2026.