Cashier

Position Overview

The role of Cashier at Ujjivan Small Finance Bank entails managing all cash-centric transactions and operations within the branch, adhering strictly to both internal protocols and external banking regulations. The incumbent is also responsible for maintaining accurate records in relevant registers and completing end-of-day reconciliations within the system.

Key Responsibilities

• Ensure smooth branch operations by accurately and promptly processing cash transactions and maintaining accounts.
• Take charge of the branch's cash handling functions including receipt and processing of cheques, drafts, dividend warrants, pay orders, and similar instruments for authorized withdrawals.
• Handle cash disbursements for withdrawal requests and collect cash for deposits.
• Manage EMI repayment collections and update system entries accordingly.
• Maintain various registers such as inward/outward registers, petty cash, and asset registers; prepare and send requisition forms to the Regional Head Office.
• Perform daily cash tallying in alignment with transaction records and vouchers, reporting results through the branch's end-of-day report.
• Jointly manage cash custody and branch vault operations with the operations officer.
• Engage with customers during transactions, identify cross-selling opportunities, and inform customers about new products and services.
• Deliver exceptional customer service with courteous and efficient responses to customer queries and concerns.
• Escalate unresolved issues to appropriate authorities promptly.
• Educate customers on monthly repayment schedules and alternate transaction channels.
• Ensure cash counting and verification at start and end of the day before vaulting.
• Hold branch cash, keys, and valuables securely in coordination with the Assistant Branch Manager, ensuring smooth cash department operations.
• Comply with defined Turnaround Times (TAT) and adhere to all regulatory and bank policy requirements for cashier and cash management activities.
• Account for and verify loan repayment transactions.
• Authenticate customers during cash withdrawals and verify the accuracy of cash deposit slips as per audit standards.
• Update bank passbooks for any transactions processed.
• Prepare cash bundles and note slips accurately for currency chest deposits.
• Keep abreast of Ujjivan's product offerings, regulatory updates, and KYC protocols.
• Complete operational certification programs and mandatory training within specified timelines.
• Participate in goal setting and performance appraisal processes timely.

Minimum Qualifications and Experience

• Any undergraduate degree, preferably in Finance or Commerce.
• At least 1 to 2 years of experience handling high-volume cash transactions.
• Familiarity with financial software modules or ERP systems.
• Experience consolidating accounting information.

Essential Skills and Competencies

• Proficient cash handling and accounting capabilities.
• Ability to detect counterfeit currency effectively.
• Meticulous, systematic approach ensuring timely service delivery.
• Awareness of customer waiting time sensitivities.
• Basic computer proficiency with relevant software skills (training provided as needed).
• Strong numerical aptitude and multitasking abilities.
• Positive interpersonal skills with customer service focus.
• Effective listening and communication skills.
• Competencies in execution, relationship management, and customer orientation.

Key Interactions

• Internal: Regional operations and finance teams, service quality executives.
• External: Neighboring banks, cash management agencies, business correspondent agents.