Money Officer

About the Role

Designation: Money Officer

Company: AU Small Finance Bank Limited

Key Responsibilities

• 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.
• 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.
• 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.

Requirements & Tech Stack

• BFSI/Telecom/Any Industry experience.
• Proficiency in handling digital business apps and software.
• Familiarity with Digital applications.
• Knowledge of Target Market Knowledge and local area geography familiarity.
• Ability to perform detailed data collection/recording.
• Professional Communication skills, including regional language proficiency and verbal/written fluency.
• Relationship Management skills with a client-centric approach.
• Business tact Negotiations and conflict resolution skills.
• Physical fitness and mental agility.
• Ability to do extensive field travel/work.
• Ability to handle work pressure and demanding clients.
• Track record of past employment.
• Positive reference check and clear civil report.
• Adherence to Code of Conduct policy of the bank.
• Non-disclosure of confidential information about the bank and clients.
• Responsible handling of bank assets.
• Adherence to all bank policies, procedures, and regulations.
• Conduct regular audits of tellers' currency for accuracy and compliance.

Qualifications

• Role: Executive/Officer
• Years of experience: 6 to 7 years
• Required Competencies:
• Ownership and accountability for results.
• Customer-centric mindset and actions.
• Hard work and detail-orientation.
• Eagerness to learn and grow as a banking professional.
• Positive mindset, ethical, and high integrity.
• Bias for Action and Urgency.

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

Work Environment

• 100% - Office
• Flexible work hours as per business requirement.
• Low travel requirement.