Money Officer

AU SMALL FINANCE BANK; Dudu; On-site; INR 300,000 - 420,000; Full time

Job summary

AU Small Finance Bank Limited in India seeks a Money Officer to handle front-desk banking operations, cash handling, customer service, and promotional support. You will assist customers with deposits, withdrawals, and transactions, ensuring accuracy and a positive experience.

The role includes supporting digital onboarding, vault/cash management, and adherence to bank policies to deliver timely, friendly service to customers.

Qualifications

• Excellent verbal and written communication in regional language.
• Strong client-centric service orientation and professional demeanor.
• Ability to handle conflicts and negotiations with tact.

Responsibilities

• Accept and process deposits, withdrawals, loan payments, and CASA transactions.
• Maintain cash drawer accuracy and perform cash reconciliations.
• Assist with currency handling, vault operations, and cash replenishment.

Skills

Professional Communication

Relationship Management

Negotiation Skills

Job description

Group Company:

AU Small Finance Bank Limited

Designation:

Money Officer

Position description:

Handle front-desk banking operations, ensure timely service delivery, and resolve customer queries efficiently. Support sales through product promotion, need identification, and cross-selling of banking services.

Primary Responsibilities

• Accept and process retail/commercial deposits, withdrawals, loan payments, and CASA account transactions.
• Maintain and reconcile cash drawer in accordance with bank policies, ensuring accuracy in cash handling and periodic check batching.
• Buy/sell currency from the vault as needed to maintain adequate cash levels.
• Assist with ordering, receiving, verifying, and distributing cash; manage excess cash and mutilated currency handovers.
• Count, package, and reconcile currency and coins as per bank standards.
• Support dual-control procedures during cash transactions and vault operations.
• Handle teller functions related to safety deposit locker access.
• Ensure all financial transactions comply with operational and regulatory guidelines.

Additional Responsibilities

• Maintain strict confidentiality of customer and bank information.
• Answer customer queries and direct unresolved issues to appropriate departments.
• Participate as a team player in daily operations, coordinating workflow to ensure efficiency.
• Support branch operations such as bank opening/closing and general customer service.
• Represent the bank positively to customers and maintain strong professional relationships.
• Guide customers on digital banking options and assist in onboarding them to digital platforms.
• Contribute to customer experience enhancement through proactive service and assistance.
• Maintain and update customer traffic surveys for operational and service improvement.

Reporting Team

• Reporting Designation:
• Reporting Department:

Educational Qualifications Preferred

• Category:
• Field specialization:
• Degree:
• Academic score:
• Institution tier:

Required Work Experience

• Industry: BFSI/Telecom/Any Industry
• Role: Executive/Officer
• Years of experience: 6 to 7

Key Performance Indicators:

Cash Handling Accuracy, Transaction Volume, Teller Balancing Rate, Customer Service Score, Average Transaction Time, Cross-Sell Conversion Rate, Compliance Adherence, Queue Time Management, Documentation Accuracy, Digital Banking Support, Dual Control Compliance, Report Submission Timeliness

Required Competencies:

1. ownership and accountability for results 2. Customer-centric mindset and actions 3. adept at handling digital business apps and software 4. hard work and detail-orientation 5. eager to learn and grow as a banking professional 6. positive mindset, ethical and high integrity 7. Bias for Action and Urgency

Required Knowledge:

1. Product/domain knowledge 2. Familiarity with Digital applications 3. Target Market Knowledge - Local Area geography familiarity 4. Ability to do detailed data collection/recording

Required Skills:

1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken 2. Relationship Management - Client-Centric Approach, respectful 3. Business tact & Negotiations - resolving Conflict

Required Abilities

• Physical: 1. Physical fitness 2. Mental agility 3. Ability to do extensive field travel/work 4. Ability to handle work pressure and demanding clients
• Other: 1. track record of past employment 2. Positive reference check and clear civil report

Work Environment Details:

100% - Office

Specific Requirements

• Travel: Low
• Vehicle:
• Work Permit:

Other Details

• Pay Rate:
• Contract Types: Permanent
• Time Constraints: Flexibile workhours as per business requirement
• Compliance Related: 1. Aherence to Code of Conduct policy of the bank 2. Non-disclosure of confidential information about bank, clients 3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc. 4. Ensure adherence to all bank policies, procedures, and regulations. 5. Conduct regular audits of tellers' currency for accuracy and compliance.
• Union Affiliation: