Cashier

Position Overview

The Cashier role at Ujjivan Small Finance Bank is a full-time position based at the branch location in Koppal, Karnataka. Reporting to the Branch Operation Manager, the individual will oversee all cash-related transactional activities in compliance with internal and external banking policies. This position requires managing accurate record-keeping and ensuring end-of-day reconciliation within the banking system.

Primary Responsibilities

• Ensure accurate and prompt processing of all cash transactions and account maintenance within the branch operations.
• Manage the cash handling functions, including receiving and processing cheques, drafts, pay orders, and other withdrawal instruments up to authorized limits with appropriate documentation.
• Disburse cash for withdrawal requests and collect cash deposits from customers using deposit challans.
• Record repayments according to EMI schedules and maintain corresponding entries in the banking system.
• Keep detailed registers such as inward/outward registers, petty cash, and assets records, forwarding requisition forms to Regional Head Office as needed.
• Conduct daily cash tallying against books of transactions and vouchers, reporting results in the Branch's End of Day report.
• Be jointly responsible for cash custody and the upkeep of the branch vault along with the operations officer.
• Engage constructively with customers during transactions, clarifying their needs and informing them about new products and services for potential cross-selling.

Service Excellence

• Deliver excellent customer service by addressing inquiries and concerns efficiently and respectfully.
• Promptly escalate unresolved customer issues to the appropriate authority.
• Educate customers about repayment procedures, monthly due dates, and customer service contacts, and encourage the use of alternative transaction channels.

Operational Duties

• Count and verify cash amounts at opening and closing of business before securing in the vault.
• Maintain joint responsibility for branch cash, keys, and valuables with the Assistant Branch Manager, ensuring smooth cash department operations.
• Adhere strictly to processing turnaround times (TAT) for all transactions.
• Ensure full compliance with banking regulations and internal policies in all cashier and cash management activities.
• Verify loan repayment transactions and authenticate customers during withdrawals.
• Review cash deposit slips for audit accuracy and update bank passbooks as necessary.
• Process cash bundles for deposits to the currency chest with corresponding documentation.

Learning and Development

• Stay updated with Ujjivan's product portfolio, applicable legal requirements, and customer verification standards.
• Participate and complete training and certification programs organized by the operations department.
• Fulfill mandatory training days and comply with performance appraisal schedules within set timelines.

Required Qualifications and Skills

Education: Graduation in any discipline, preferably in Finance or Commerce.

Experience: 1 to 2 years of experience handling high-volume cash transactions; familiarity with financial modules or ERP systems is essential.

Skills: Proficient in cash handling and accounting practices, ability to identify counterfeit currency, systematic and timely service orientation, customer-sensitive approach, computer literacy with exposure or training in relevant software, strong numerical aptitude, and multitasking capability.

Behavioral Attributes: Positive interpersonal skills, strong customer service dedication, effective communication and listening skills.

Interaction and Coordination

Collaborate internally with regional operations teams, financial control units, and service quality executives. Externally coordinate with neighboring banks, cash management agencies, and business correspondent agents.

Additional Information

This job requires accountability for accurate cash management and maintaining confidentiality and security of branch assets. The candidate must reliably execute duties within prescribed timelines and ensure adherence to banking compliance standards.