Cashier

Position Overview

The Cashier role at Ujjivan Small Finance Bank is a full-time position based at the branch in Pattukkottai, Tamil Nadu. Reporting to the Branch Operation Manager, the role primarily handles all cash-related transactions in compliance with banking regulations, ensures proper recordkeeping in registers and online systems, and performs daily reconciliations.

Key Responsibilities

• Ensure smooth branch operations by accurately processing cash transactions and maintaining account records.
• Take charge of cash handling functions including receipt and processing of cheques, drafts, dividend warrants, and pay orders within authorized limits, issuing acknowledgements.
• Disburse cash for withdrawal requests and collect cash deposits via deposit challans.
• Collect repayments according to EMI schedules and update system entries accordingly.
• Maintain registers such as inward/outward registers, petty cash, and assets, and send requisitions to the Regional Head Office.
• Perform daily cash tally aligned with transaction records and prepare end-of-day branch reports.
• Manage cash custody and branch vault operations jointly with the operations officer.
• Provide courteous customer service during cash disbursement and deposit, identify cross-selling opportunities, and inform customers about new products and services.
• Count and verify cash at the start and end of day before vaulting.
• Safeguard branch cash, keys, and valuables jointly with the Assistant Branch Manager to ensure smooth cash department operations.
• Ensure compliance with prescribed turnaround times and regulatory policies related to cashier and cash management functions.
• Verify loan repayment transactions and validate customer authenticity during withdrawals.
• Verify accuracy of cash deposit slips and update bank passbooks when applicable.
• Prepare cash bundles for currency chest deposits with appropriate slips.

Service Quality

• Deliver superior customer service by addressing clients courteously and efficiently.
• Promptly escalate customer queries or grievances to the appropriate authorities.
• Educate customers on monthly repayment schedules and provide contact information for clarifications.
• Promote use of alternative channels for deposits, withdrawals, and inquiries.

Learning and Performance

• Stay updated with Ujjivan’s products, services, relevant regulations, and KYC principles.
• Complete mandatory certification and training programs organized by the operations department.
• Meet training requirements and participate in goal-setting and performance appraisal processes within deadlines.

Requirements

• Any graduate degree, preferably with a background in Finance or Commerce.
• At least 1-2 years of experience handling cash in significant volumes.
• Familiarity with making entries in financial modules or ERP systems.
• Experience consolidating accounting data effectively.
• Strong cash handling and accounting skills, including detecting counterfeit notes.
• Systematic approach with attention to detail to serve customers in a timely manner.
• Proficient in basic computer operations with relevant software skills; on-the-job training will be provided.
• Excellent numerical abilities and multitasking skills.
• Positive interpersonal skills, with a customer-centric mindset and effective listening and communication abilities.

Interactions

Internally coordinates with the regional operations team, regional FCU officers, and service quality executives. Externally liaises with neighboring banks, cash management agencies, and BC agents.