Cashier

Ujjivan Small Finance Bank; Erode; On-site; INR 240,000 - 360,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a Cashier at the branch level in Tamil Nadu. The role requires handling cash transactions, maintaining registers, and ensuring day-end reconciliation with accuracy and speed.

The incumbent will perform cash withdrawals, deposits, EMI collections, and interact with customers to provide courteous service while following banking guidelines. Prior cash handling and ERP exposure are essential for success in this position.

Qualifications

• UG – Graduation in Finance/Commerce.
• 1–2 years of cash handling experience.
• Experience with financial modules/ERP.
• Ability to detect fake notes and ensure cash integrity.

Responsibilities

• Process cash transactions and maintain branch registers accurately.
• Disburse cash and collect deposits within authorized limits.
• Record EMI repayments and perform end-of-day reconciliation.
• Maintain branch cash vault, tills and related registers.
• Interact with customers, explain services, and promote banking channels.

Skills

Cash handling

Account entries

Customer service

End-of-day reconciliation

Banking software

Education

Graduation in Finance/Commerce

Tools

ERP software

Job description

POSITION DESCRIPTION

JOB TITLE : Cashier

GRADE : AM-II

DEPARTMENT : Branch Banking

LOCATION : Branch

SUB-DEPARTMENT : TYPE OF POSITION : Full-time

REPORTS TO : Branch Operation Manager

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

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