Cashier - Multiple Location

1. 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

1. 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

1. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Daily cash transaction

• CRL Limit

• Branch Audit

• ATM /Vault

1. 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

1. 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

1. 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