Cashier

Position Overview

The Cashier role at Ujjivan Small Finance Bank is centered on managing all branch cash transactions and maintaining accurate records as per banking regulations. This full-time position operates under the Branch Banking department and reports to the Branch Operation Officer.

Key Responsibilities

• Ensure smooth branch functioning through timely, precise handling of cash transactions and account updates.
• Oversee all cash functions including cheque processing, withdrawals, deposits, and collection of EMIs; maintain corresponding system entries.
• Manage various registers such as inward/outward, petty cash, and assets; coordinate requisitions with the Regional Head Office.
• Conduct daily cash reconciliations and report findings at the end of each day.
• Safeguard branch cash and vault operations jointly with the operations officer.
• Engage with customers during financial transactions, understand their needs, promote cross-selling of bank products, and keep them informed about new services.

Service Quality

• Deliver exceptional customer service with courteous, effective assistance.
• Promptly escalate customer concerns to relevant authorities.
• Inform customers about repayment schedules and provide necessary contact information.
• Encourage use of alternative banking channels for transactions and inquiries.

Operational Duties

• Count and verify cash at opening and closing times.
• Secure cash and valuables jointly with Assistant Branch Manager and ensure smooth cash department functioning.
• Adhere to transaction timeframes and banking guidelines.
• Ensure compliance with all relevant laws and bank policies related to cashier processes and cash management.
• Verify loan repayment transactions and authenticate customers during withdrawals.
• Update passbooks and prepare currency chest deposits as required by audit standards.

Learning and Performance Expectations

• Stay informed on Ujjivan’s financial products, customer identification norms, and regulatory requirements.
• Complete all mandatory certification and training programs within set timelines.
• Participate actively in goal setting, performance reviews, and appraisals.

Essential Qualifications and Experience

• Undergraduate degree, preferably in Finance or Commerce.
• At least one to two years of experience managing high-volume cash transactions.
• Familiarity with financial software and ERP systems; experience in consolidating accounting data.

Required Skills and Competencies

• Proficiency in cash handling and accounting, including detecting counterfeit currency.
• Strong numerical aptitude and meticulous attention to detail.
• Competent computer and relevant banking software skills with on-the-job training available.
• Ability to multitask, maintain composure, and provide timely customer service.
• Excellent communication, interpersonal skills, and customer-centric attitude.
• Capable of relationship management, focusing on execution and customer satisfaction.

Internal and External Collaboration

• Work closely with regional operations, FCU officers, service quality executives, and branch staff.
• Liaise effectively with neighboring banks, cash management agencies, and banking correspondents.

Additional Information

Prepared by: Priyanka Pal (14-02-2024)
Reviewed by: Jyothi Mohan (15-02-2024)
Last updated by: TM Team (17-02-2024)