Cash Management & Reconciliation: Entered opening cash balances, posted all receipts and payments, and generated cash balance statements. Ensured daily reconciliation of physical cash with general ledger balances.Custodianship: Acted as custodian of vaults, locker keys, and ATM keys, ensuring secure management and access control.Compliance & Security: Maintained cash reserves in hand and vault in accordance with State Bank's regulations and assigned cash-in-safe limits.ATM Operations: Managed ATM cash loading, balancing, and reconciliation, ensuring accurate record-keeping and operational efficiency.Cheque Processing: Handled inward/outward clearing of cheques, including signature verification, customer communication for rejected cheques, and transaction confirmation.Foreign Remittance: Processed foreign remittances through platforms like Western Union, MoneyGram, RIA, Al Fardan, and Al Ansari.Fund Transfers & Payments: Executed IBFT and RTGS transactions, ensuring compliance with banking regulations. Issued demand drafts, pay orders, and handled utility bill payments according to SOPs.Cheque Book & Back Office Management: Expertly managed cheque books and fund transfer operations, with a strong background in back-office functions.Customer Transactions: Conducted customer transactions including deposits, withdrawals, and check cashing with a 99.5% accuracy rate.Team Training & Mentorship: Trained and mentored six new tellers, improving team performance and reducing transaction errors by 15%.Sales & Cross-Selling: Promoted cross-selling of banking products, contributing to a 20% increase in revenue.Risk & Issue Reporting: Reported suspicious transactions for timely escalation and identified upkeep-related matters, reporting regularly to the Branch Operations Manager.Additional Responsibilities: Completed additional tasks assigned by line management as needed.

Manpower Planning: Generated manpower requirement reports and coordinated with departmental heads to assess staffing needs.Employee Records Management: Managed employee records, including attendance tracking, IN/OUT logs, and issuance of show cause notices, warning letters, and contracts. Handled additional HR tasks as assigned by senior management.Absenteeism & Turnover Monitoring: Maintained and analysed records of employee absenteeism and turnover to support workforce planning and retention strategies.

Market Expansion & Cross-Selling: Explored new markets and business opportunities to drive cross-selling initiatives and increase branch profitability.Customer Financial Advisory: Acted as a financial advisor, assessing customer needs and recommending tailored banking products and services.Loan & BANCA Processing: Reviewed and processed BANCA, credit, and loan applications, ensuring compliance with best practices and legal requirements.Sales Achievement: Consistently met and exceeded sales goals, contributing to the branch’s financial success.Program Promotion & Client Management: Effectively promoted company programs and maintained accurate client records to support customer relationship management.