Cashier

Position Overview

The Cashier role at Ujjivan Small Finance Bank involves managing all cash transactions and operations within the Branch following internal and external banking protocols. This includes accurate maintenance of records and performing daily reconciliation of cash accounts.

Key Responsibilities

• Ensure smooth branch operations by timely and correct handling of cash transactions and account management.
• Handle receipt and processing of cheques, drafts, pay orders, and other instruments within authorized limits, issuing acknowledgements as needed.
• Disburse cash for withdrawal requests and accept cash deposits as per challans.
• Collect loan repayments per EMI schedules and record them properly in the system.
• Maintain registers such as inward/outward, petty cash, and assets; send necessary requisitions to Regional Head Office.
• Perform daily cash tallying against transaction records and vouchers, reporting results in the End of Day Branch report.
• Oversee cash handling functions and manage the branch vault jointly with the operations officer.
• Engage with customers to explain transactions, provide excellent service, and promote Ujjivan's products and services.

Service Excellence

• Provide courteous and efficient responses to customer inquiries and grievances, escalating issues when required.
• Inform customers about repayment dates, contact information, and encourage use of alternative banking channels.

Operational Duties

• Count cash at start and end of day prior to vaulting and maintain custody of cash, keys, and valuables jointly with Assistant Branch Manager.
• Adhere to turnaround times and ensure compliance with relevant banking regulations and policies in cashier operations.
• Verify loan repayment transactions and validate customers’ authenticity during cash withdrawals.
• Ensure deposit slip accuracy in line with audit standards and update bank passbooks as applicable.
• Process cash bundles for currency chest deposits including preparation of note slips.

Learning & Performance

• Stay informed about Ujjivan’s product offerings, regulatory requirements, and customer identification procedures.
• Complete mandatory certification and training programs organized by the operations department.
• Participate in goal setting, mid-year reviews, and appraisals within specified timeframes.

Qualifications and Skills

• Graduation in any field, preferably in Finance or Commerce.
• 1-2 years experience managing volume cash handling.
• Familiarity with financial software or ERP systems for data entry and accounting consolidation.
• Strong cash handling skills with ability to detect counterfeit currency.
• Computer proficiency and quick adaptability to relevant software (on-the-job training provided).
• Numerically adept with multitasking capability and strong attention to detail.
• Excellent interpersonal, listening, and communication skills with customer-focused attitude.

Additional Information

• Reports to Branch Operation Officer.
• Works closely with regional operations teams, financial control unit, service quality executives, neighboring banks, cash management agencies, and BC agents.
• Responsible for both financial and non-financial controls related to cash and vault management.