Money Officer

AU Small Finance Bank; Gilgit Division; On-site; PKR 400,000 - 650,000; Full time

Job summary

AU Small Finance Bank Limited in Gilgit-Baltistan is seeking a Money Officer to manage front-desk banking operations, process deposits and withdrawals, and resolve customer queries with efficiency and courtesy.

You will support sales through product promotion, need identification, and cross-selling of banking services, while upholding strict cash-handling procedures and regulatory compliance in a busy branch.

Qualifications

• Excellent professional communication in regional language, both spoken and written.
• Strong relationship management and customer-centric approach.
• Negotiation and conflict-resolution skills are essential.

Responsibilities

• Handle front-desk banking operations and ensure timely service delivery.
• Assist with sales through product promotion and cross-selling.
• Adhere to cash handling and compliance requirements during daily tasks.

Skills

Professional Communication

Relationship Management

Business negotiations

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

• 1. Accept and process retail/commercial deposits, withdrawals, loan payments, and CASA account transactions.2.Maintain and reconcile cash drawer in accordance with bank policies, ensuring accuracy in cash handling and periodic check batching.3.Buy/sell currency from the vault as needed to maintain adequate cash levels.4. Assist with ordering, receiving, verifying, and distributing cash; manage excess cash and mutilated currency handovers.5. Count, package, and reconcile currency and coins as per bank standards.6. Support dual-control procedures during cash transactions and vault operations.7. Handle teller functions related to safety deposit locker access.8. Ensure all financial transactions comply with operational and regulatory guidelines.

Additional Responsibilities

• 1. Maintain strict confidentiality of customer and bank information.2. Answer customer queries and direct unresolved issues to appropriate departments.3. Participate as a team player in daily operations, coordinating workflow to ensure efficiency.4. Support branch operations such as bank opening/closing and general customer service.5. Represent the bank positively to customers and maintain strong professional relationships.6. Guide customers on digital banking options and assist in onboarding them to digital platforms.7. Contribute to customer experience enhancement through proactive service and assistance.8. Maintain and update customer traffic surveys for operational and service improvement.

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 results2. Customer-centric mindset and actions 3. adept at handling digital business apps and software4. hard work and detail-orientation5. eager to learn and grow as a banking professional 6. positive mindset, ethical and high integrity7. Bias for Action and Urgency

Required Knowledge

1. Product/domain knowledge2. Familiarity with Digital applications3. Target Market Knowledge - Local Area geography familiarity4. Ability to do detailed data collection/recording

Required Skills

1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken2. Relationship Management - Client-Centric Approach, respectful3. Business tact & Negotiations - resolving Conflict

Required abilities

• Physical: 1. Physical fitness2. Mental agility3. Ability to do extensive field travel/work4. Ability to handle work pressure and demanding clients
• Other: 1. track record of past employment2. Positive reference check and clear civil report

Work Environment Details

100% - Office

Specific requirements

• Travel: Low

Other details

• Contract Types: Permanent
• Time Constraints: Flexibile workhours as per business requirement
• Compliance Related: 1. Aherence to Code of Conduct policy of the bank2. Non-disclosure of confidential information about bank, clients3. 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.