Universal Banker
Kachiguda, Hyderabad
1 year
Cash HandlingDemand DraftFixed Deposits ManagementFund TransferPayment ProcessingCustomer Relationship ManagementDelivery System OptimizationMulticurrency cash reconciliationStationery ManagementVoucher ProcessingSelling TechniquesOnline BankingCode of Conduct ComplianceKYC and Compliance Due DiligenceFraud Transaction ReportingBranch ManagementBanking ComplianceGood Interpersonal SkillsPunctualityTeam training assistance
Job Description:
The role focuses on delivering high-quality customer service by efficiently handling a range of front-office banking transactions. Key responsibilities include processing cash deposits and withdrawals, issuing demand drafts/pay orders, executing fixed deposit break instructions, managing internal account transfers, and processing stop-payment requests. The individual ensures all customer services are delivered with accuracy, warmth, and professionalism.
They support service delivery by managing customer flow, recommending workflow improvements for better efficiency, and ensuring timely execution of all transactions. Operational responsibilities include reconciliation activities, dual control of cash functions, managing security stationery, reviewing vouchers and entries, and contributing to branch performance through sales referrals and effective operational controls. The role also requires educating customers about alternate banking channels such as net banking, phone banking, and ATMs to improve customer convenience.
Compliance is a critical area, requiring adherence to ORMA guidelines, Group Code of Conduct, KYC/CDD/EDD norms, anti–money laundering frameworks, and mis-selling policies. Any suspicious transactions must be escalated immediately. Additional duties include premises management—housekeeping, merchandising, and branch upkeep.
The role carries health and safety responsibilities, ensuring safe work practices, avoiding actions that may put others at risk, reporting hazards, and promoting a safe workplace culture.
Qualifications and Competencies:
– Graduate or postgraduate with 1–4 years of experience
– Strong banking knowledge and understanding of front/back-office processes
– Excellent communication and interpersonal skills
– Customer service orientation and ability to work effectively in a team
– Punctual, diligent, quick learner, and capable of working with operational discipline
This position requires a detail-oriented professional who combines strong service delivery skills with solid operational understanding, compliance awareness, and a customer-first mindset.
