Job Description

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