POSITION DESCRIPTION

JOB TITLE : Cashier

GRADE : AM-II

DEPARTMENT : Branch Banking

LOCATION : Branch

SUB-DEPARTMENT : TYPE OF POSITION : Full-time

REPORTS TO : Branch Operation Officer

REPORTING INTO

NA

ROLE PURPOSE & OBJECTIVE

This role is responsible for executing all cash related transactions and operations for the Branch as per internal / external banking guidelines and manage appropriate entries in relevant registers/online; perform end of day reconciliation in the system

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Daily cash transaction
CRL Limit
Branch Audit
ATM /Vault
KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

Contribute to the efficient operation of the Branch through accurate and timely processing of cash related transactions and account maintenance.
Take overall responsibility for cash handling function of the Branch such as:
Receipt and processing of cheque, drafts, dividend warrants, pay orders and other like instruments other than bills for withdrawals up to authorized limits and giving acknowledgements in the counterfoil
Disburse cash against withdrawals requests and collect cash against deposit challan
Collect repayments as per EMI schedule; maintain necessary entries in system
Maintain inward and outward register, petty cash register, assets register and send requisition forms to Regional Head Office
Perform tallying of cash in line with book of transactions and vouchers on a daily basis; and report the same in End of Day Branch report
Be accountable for handling of cash and operation & maintenance of Branch vault jointly with the operations officer
Interact with customers during disbursements and deposits, understand their requirements and identify opportunities to cross sell; update the customers on new products and services offered by Ujjivan

Service Quality

Demonstrate superior customer service by providing courteous and efficient solutions to their needs
Escalate customer queries and grievances to competent authority in a timely manner
Explain customers the monthly repayment dates & contact numbers to call for any of their clarification during disbursement and answer their questions in a courteous manner
Educate customers to use alternate channels for deposit/withdrawal and inquiries

Operations

Count & check cash at the beginning & day end before vaulting
Hold Branch's cash, keys and/or other valuables in safe custody jointly with Assistant Branch manager and being responsible for the running of the cash department smoothly
Responsible for adherence to defined TAT for all transactions
Responsible for compliance with all applicable regulations and bank policies for all processes related to cashier operations and cash management
Accounting and verifying the transaction for loan repayment
Validate the authenticity of customers while cash withdrawal
Check the accuracy of the cash deposit slips as per audit requirements
Bank pass book updation in case of any transaction
Process cash bundles for currency chest deposit with note slips

Learning & Performance

Maintain current knowledge of Ujjivan's products and services, applicable regulations and know your customer principles
Complete certification programs organized by operations department
Maintain adherence to training man-days/ mandatory training programs for self
Maintain goal setting, mid-year review and performance appraisal processes are completed within specified timelines
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

UG – Any Graduation; preferably in Finance/Commerce subjects

Experience

Minimum 1-2 years in handling cash at volume
Should have exposure of making entries in financial modules/ERP
Should have experience in consolidating accounting data

Certifications

NA

Functional Skills

Cash handling/accounting skills
Prudent handling of cash with ability to detect fake notes
Systematic; meticulous and timely customer service
Sensitive to Customer Wait Time
Mandatory operating knowledge of computers
Relevant software skills (On-Job training to be provided)
Strong numerical skills
Multitasking ability

Behavioral Skills

Positive interpersonal skills
Customer service orientation
Listening and communication skills

Competencies

Execution
Managing Relationships
Customer Focus
KEY INTERACTIONS

INTERNAL

EXTERNAL

Regional operations team
Regional FCU officer
Service Quality executive
Neighboring banks
Cash management agencies
BC Agents

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 - Multiple Location