Cashier

Position Overview

The Cashier role at Ujjivan Small Finance Bank encompasses all cash handling and transaction processing responsibilities within a branch environment. This full-time position reports to the Branch Operation Officer and is pivotal in managing daily cash operations per banking policies and procedures, ensuring accuracy and compliance.

Key Duties and Responsibilities

• Ensure smooth branch operations by processing cash transactions and maintaining account records accurately and promptly.
• Oversee cash handling activities including receipt and clearance of instruments such as cheques, drafts, dividend warrants, and pay orders within authorized limits, providing proper acknowledgments.
• Disburse cash for withdrawal requests and accept deposits from customers while making corresponding entries in systemic registers and online platforms.
• Manage repayment collections in accordance with EMI schedules, updating system records accordingly.
• Maintain various branch registers including inward/outward, petty cash, and assets; coordinate requisitions with Regional Head Office.
• Perform daily cash reconciliations to confirm consistency between cash on hand and recorded transactions, compiling end-of-day reports.
• Jointly responsible with the Operations Officer for cash handling and vault management within the branch.
• Engage customers courteously during deposits and disbursements, identifying opportunities to introduce additional bank products.
• Promote alternative banking channels to customers for deposits, withdrawals, and inquiries, enhancing service quality.
• Ensure strict adherence to turnaround times for all cashier-related transactions and compliance with banking regulations and internal policies.
• Authenticate customers to prevent fraud during cash withdrawals and verify the accuracy of deposit slips as per audit standards.
• Update passbooks and manage currency chest deposits including cash bundle processing with relevant documentation.

Knowledge and Skills Requirements

• Graduation degree in any discipline, with preference for finance or commerce-related fields.
• 1 to 2 years of experience in high-volume cash handling and accounting activities.
• Familiarity with financial modules or ERP systems for transactional entries and data consolidation.
• Competent in cash management including identification of counterfeit notes.
• Technically proficient in computer operations and relevant banking software (training will be provided).
• Strong numerical aptitude, multitasking capability, and meticulous attention to detail.

Behavioral Competencies

• Positive interpersonal relations and customer service orientation.
• Effective listening and clear communication skills.
• Focused on execution, managing relationships, and delivering customer-centric service.

Additional Information

• The cashier handles branch cash, keys, and valuables in collaboration with the Assistant Branch Manager, ensuring secure management of these assets.
• Interacts with internal teams such as regional operations, FCU officers, and service quality executives, as well as external parties including neighboring banks, cash management agencies, and BC agents.
• Maintains compliance with all regulations and branch policies related to cashier duties.