Cashier

Role Overview

The position of Cashier within the Branch Banking department is based at the branch location and is a full-time role reporting to the Branch Operation Manager. The Cashier is primarily responsible for managing all cash-related transactions and activities in compliance with internal and external banking standards. Additionally, the role requires accurate recording in registers and online systems, plus conducting end-of-day reconciliations.

Main Responsibilities

• Ensure smooth branch operations through prompt and precise handling of cash transactions and account maintenance tasks.
• Manage the entire cash handling process including receipt, processing, and disbursement of various financial instruments within authorized limits with proper acknowledgments.
• Collect loan repayments adhering to EMI schedules and maintain updated system entries.
• Maintain multiple registers such as inward/outward, petty cash, and asset registers, and send requisite forms to the Regional Head Office as needed.
• Daily cash tallying against transaction records and vouchers, and prepare an 'End of Day' report for the branch.
• Hold significant accountability for cash custody and vault operations jointly with the operations officer.
• Provide excellent customer service by addressing deposit and withdrawal needs, identifying cross-selling opportunities, and informing customers about bank products and services.

Service Excellence

• Deliver courteous and efficient customer service to fulfill client requirements.
• Escalate customer concerns and grievances promptly to appropriate authorities.
• Clarify monthly repayment schedules and provide contact information for support during disbursements.
• Encourage customer utilization of alternative channels for banking activities.

Operational Responsibilities

• Verify cash amounts at the start and close of business, ensuring secure vaulting procedures.
• Safeguard branch cash, keys, and valuables jointly with assistant branch management to ensure smooth operations.
• Meet established turn-around-times for transactions and ensure process compliance with banking regulations and policies.
• Validate customer identity during withdrawal transactions.
• Check accuracy of cash deposit slips and update bank passbooks as necessary.
• Prepare cash bundles for currency chest deposits, following correct documentation procedures.

Learning and Development

• Maintain up-to-date knowledge of Ujjivan’s offered products, applicable regulations, and customer identification protocols.
• Complete certification and mandatory training programs organized by the operations department within specified timelines.
• Engage in goal setting and performance review processes as scheduled.

Qualifications and Skills

• Education: Graduate degree preferred in Finance or Commerce disciplines.
• Experience: One to two years of substantial cash handling; familiarity with financial modules or ERP systems and accounting data consolidation expected.
• Skills: Proficient in cash handling and accounting, capable of detecting counterfeit currency, and strong numerical ability.
• Computer literacy is essential along with on-the-job training for relevant software.
• Behavioral traits include positive interpersonal skills, customer service focus, active listening, and communication capabilities.

Key Stakeholders

• Internal: Regional operations team, regional FCU officer, service quality executives.
• External: Nearby banks, cash management agencies, and BC agents.