Purpose of Job

To manage and supervise the cash unit as an in charge and responsible for effectively transacting in cash, strictly in accordance with the policies and procedures lay down by the Bank and State Bank of Pakistan, without compromising on services aspects. Provide efficient and accurate services to customers in minimum time with maximum controls and exhibit highest standards of customer service in developing and maintaining relationships leading to ultimate customer satisfaction.

 Job Responsibilities

• To handle, manage and control branch cash & cash transactions of customers by monitoring deposits and withdrawal accurately with the guidance of SBP regulations.
• To plan and analyze of needs and priorities of customer to ensure superior customer services management prior to the customer’s demands.
• To assess high technical capabilities, to regulate the process & facilitate the customers in time, through the posting of transactions in the system.
• Improve and increase the technical and operational skills to achieve the customer satisfaction regarding ATM operations.
• Ensure timely processing of Cash Receipts & Cash Payments on counters, Responsible for daily balancing of Physical cash and it’s balancing with GL, Hold Cash safe keys, Responsible for cash sorting and disposal and it’s sorting as per circulars/instruction of SBP, Responsible for cash feeding in ATM and ATM management.
• Handle all queries/complaints regarding cash department, Posting of Vouchers, lodging & posting of Outward /Inward Clearing/ Intercity, Daily follow-up of cheque returns. & maintain Cheque Return Register/ Cheque return charges, Balancing of Control Accounts on daily basis, issuance of PO, CDR and transfer of funds.
• Ensure that proper scrutiny of cheque has been done before payment and cancellation. Also responsible to mark stop payments in system as per request of customer. Also help OM & BM for deposit mobilization.
• Adherence to Service Protocols, Service Management Program and Service Indicators Monitoring to achieve organization’s prime objective regarding ultimate customer satisfaction
• Resolving / replying to the queries of the customers, maintain the customer complaints log book, continuous follow-ups and re-directing the customer to the concerned department for resolution of queries to ensure the customer leaves the branch with utmost satisfaction
• Responsible to introduce potential New to Bank accounts & reply to customer queries regarding account opening form. Also provide proper guidance & support regarding procedures and requirements for activation of dormant accounts
• To assist in maintaining audit rating of the branch and liaise with all stakeholders to resolve highlighted audit objections / observations within specified TAT
• Also responsible for proper Customer KYC Updation in system, specimen card scanning and tagging with accounts, issuance of customer related bank certificates, maintenance and record keeping of zakat, dormant accounts activation files & Hold/Undelivered mails. Also responsible to process and check that all cheque books & Debit cards are delivered on time without any printing error.
• Ensure that account closing must be done as per procedure defined in Operational manual and all charges should be deducted and profit (if any) paid before closure. Ensure post sale services to the clients and support BM & OM in deposit Mobilization.

 Secondary/Additional Responsibilities

• Continuous Improvement and Change Implementation
• Posting of all vouchers related to different charges and Cheque book series.
• Responsible for processing loans including gold loans as per Credit policy after completion of requisite details.
• Ensure that vault and ATM cash is closed as per SBP guidelines within advised vault and ATM limits
• Responsible and custodian of cash safe & vault, therefore maintenance of cash vault as per clean note policy
• Responsible of intact gold packets (TPP) in vault and its balancing with system data.

Performance Standard

Achievement of the assigned targets of Liability and asset, high level of compliance, low level of risk and good audit rating.

Technical Competency

• Ability to work under pressure.
• Timely resolution of customer’s queries.

Soft Competency

• Presentation skills
• Good Communication Skills

Experience and Qualification

• Should hold a Bachelor’s Degree in Business, commerce or any related discipline
• 2 years experience in the banking sector