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Position Overview

This opening is for a Cashier in Branch Banking at the AM-II grade. The role is based at a branch location and reports to the Branch Operation Officer. It is a full-time position.

Role Purpose

The main objective of this role is to manage all cash-related transactions and branch cash operations in line with internal and external banking rules, maintain the required records in registers and systems, and carry out end-of-day reconciliation.

Key Responsibilities

You will support branch operations by handling cash transactions accurately, maintaining account-related entries, and ensuring smooth daily cash management. The role also includes interacting with customers, supporting service quality, and ensuring compliance with banking processes.

Process cash-related transactions and account updates accurately and within required timelines.
Handle branch cash operations, including receipt and processing of cheques, drafts, dividend warrants, pay orders, and similar instruments, except withdrawal bills within authorised limits, while issuing acknowledgements on the counterfoil.
Disburse cash for withdrawal requests and accept cash for deposit challans.
Collect loan repayments as per the EMI schedule and make the necessary system entries.
Maintain inward and outward registers, petty cash records, and asset registers, and forward requisition forms to the Regional Head Office.
Match cash balances with books, vouchers, and transaction records every day and report the result in the branch end-of-day statement.
Share responsibility for cash handling and branch vault operations together with the operations officer.
Engage with customers during deposits and withdrawals, understand their needs, identify cross-sell opportunities, and inform them about Ujjivan’s products and services.
Deliver courteous and efficient service to customers.
Escalate customer questions and complaints to the right authority without delay.
Explain monthly repayment dates and contact numbers clearly during disbursement, and respond to customer questions politely.
Guide customers toward alternate channels for deposits, withdrawals, and enquiries.
Count and verify cash at the start of the day and again at closing before vaulting.
Safeguard branch cash, keys, and other valuables jointly with the Assistant Branch Manager, and ensure the cash desk runs smoothly.
Adhere to turnaround-time targets for all transactions.
Follow all relevant regulations and bank policies related to cashiering and cash management.
Verify and record loan repayment transactions.
Check customer identity during cash withdrawals.
Validate deposit slips carefully as per audit standards.
Update passbooks whenever a transaction requires it.
Prepare cash bundles for currency chest deposits using note slips.
Keep up to date with the bank’s products, services, regulations, and KYC requirements.
Complete certification programs arranged by the operations team.
Attend mandatory training and meet required training man-days.
Participate in goal setting, mid-year reviews, and performance appraisal cycles within the specified timelines.

Experience and Qualifications

The ideal candidate should be a graduate, preferably with a background in Finance or Commerce. Prior experience of 1 to 2 years in high-volume cash handling is required. Candidates should also have experience using financial modules or ERP systems and consolidating accounting data.

Skills and Competencies

Strong cash handling and cash accounting ability
Ability to identify counterfeit currency notes
Careful, organised, and timely approach to customer service
Awareness of customer waiting time
Comfortable using computers in a work setting
Basic familiarity with relevant software, with on-the-job training provided
Good numerical ability
Ability to manage multiple tasks at once
Positive interpersonal approach
Customer-first mindset
Effective listening and communication
Execution focus, relationship management, and customer orientation

Key Interactions

This role works closely with the regional operations team, regional FCU officer, service quality executive, neighbouring banks, cash management agencies, and BC agents.

Additional Information

Functional scope includes daily cash transactions, CRL limit management, branch audit support, and ATM/vault-related handling. No certification is required for this role.

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

Cashier

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