Cashier-DINDIGUL BRANCH

Job Title: Branch Cashier - Accounts Executive

Department: Accounts

Location: Assigned Branch

Reporting To: Branch Manager

Position: Cashier
Department: Branch Operations
Location: Branch Level
Reporting To: Branch Manager / Assistant Branch Manager

1. Purpose of the Role

To handle all cash-related operations at the branch accurately, safely, and efficiently, ensuring proper documentation, customer service excellence, and compliance with company financial policies.

2. Key Responsibilities

A. Cash Handling & Transactions

• Handle cash receipts and payments for all branch transactions.
• Maintain daily cash balance accurately without discrepancies.
• Perform cash counting, verification, and bundling as per company norms.
• Manage petty cash and ensure daily reconciliation.
• Ensure safe handling of gold loan disbursement and interest collections.

B. Documentation & Record Keeping

• Maintain cash register, vouchers, and receipts properly.
• Update transaction entries in the system without delay.
• Maintain cash book, denomination records, and daily transaction register.
• Prepare daily cash reports and send to HO/Accounts department.

C. Compliance & Security

• Follow company SOPs and financial control procedures strictly.
• Ensure cash is secured in the locker as per guidelines.
• Report any cash shortage/excess to BM/ABM immediately.
• Support audit activities and ensure compliance.

D. Customer Service

• Provide polite, quick, and accurate service to customers.
• Assist customers with payment clarifications and receipts.
• Maintain professionalism and customer satisfaction at all times.

E. Branch Support Activities

• Assist Branch Manager with documentation and administrative work.
• Coordinate with field executives for amount updates and entries.
• Support loan processing, interest postings, and MIS updates when required.

3. Skills & Competencies Required

• Strong numerical ability and accuracy.
• Good communication & customer handling skills.
• Knowledge of banking/financial operations preferred.
• Basic computer skills (MS Excel, ERP entry).
• High integrity, trustworthiness, and discipline.

4. Qualification & Experience

• Minimum: +2 / Any Degree.
• Experience: 0–2 years in cashiering, accounts, or finance preferred.
• Freshers with good learning mindset can also apply.

5. Key Performance Indicators (KPIs)

• Zero cash discrepancy.
• Timely completion of daily cash reports.
• Customer service rating.
• Adherence to SOP and audit compliance.

Key Responsibilities:

1. Cash Handling & Reconciliation

• Maintain accurate records of all cash inflow and outflow with zero tolerance for errors.
• Open the locker daily in the presence of the designated authority to verify the cash closing balance and gold inventory.
• Tally the end-of-day cash and gold balance and hand it over to the branch manager.
• Post closing balance details in the branch WhatsApp group daily without fail.
• Ensure proper handling of denominations and counterfeit note detection.

2. Loan & Interest Collection Transactions

• Issue new loans to customers after confirming approval by the operations team.
• Handle interest collection:
• Call customers with overdue payments.
• Update the interest collected in the system and issue receipts.
• Process repledging (refinancing) transactions accurately and issue updated tickets.

3. Refinancing & External Bank Coordination

• Verify ticket amount, customer details, and incoming cash from refinancing (takeover) banks.
• Cross-check and update refinancing details in Excel sheets and CRM accurately.
• Inform the branch manager about any discrepancies or delayed receipts.

4. Cash Planning & Coordination

• Ensure sufficient cash availability for:
• Loan disbursements
• Renewals
• Recoveries
• Coordinate with the central accounts team or the outside operations executive to arrange funds when needed.
• Raise alerts to the branch manager if there is a cash shortage or excess.

5. Repledging List & CRM Updates

• Regularly check the repledging/renewal list and follow up with customers.
• Update all relevant data in the CRM system for:
• Loans issued
• Interest paid4
• Refinancing entries
• Repledged tickets

6. Branch Meetings & Coordination

• Attend daily branch operations and sales meetings to:
• Review day’s cash/loan targets
• Report on repledging and collection status
• Coordinate with other team members for a smooth flow

7. Takeover Support (In Absence of Staff)

• Step in to support loan takeovers from other banks when assigned, including:
• Coordinating paperwork and ticket closure
• Ensuring safe and legal fund transfers

8. Audit Preparedness & Record Keeping

• Maintain manual and digital records as per audit and compliance standards.
• Keep all receipts, bills, interest collection records, and customer acknowledgments securely.
• Assist during internal or external audits by providing cash/balance records and transaction data.

Job Types: Full-time, Permanent

Pay: ₹15,000.00 - ₹20,000.00 per month

Benefits:

• Health insurance
• Paid sick time
• Provident Fund

Work Location: In person