Teller - Dawakin Kudu MFB at CredPal

Purpose Statement

• We are seeking a detail-oriented and trustworthy Teller to manage daily cash transactions and provide efficient counter services at our Dawakin Kudu branch.
• The successful candidate will be responsible for processing customer deposits, withdrawals, transfers, and other over-the-counter transactions while ensuring accuracy, regulatory compliance, and exceptional customer service. The role requires a high level of integrity, strong attention to detail, and strict adherence to internal controls and cash management procedures.

Cash & Transaction Processing

• Process customer deposits, withdrawals, transfers, loan repayments, and other over-the-counter transactions accurately and efficiently.
• Verify customer identities and transaction documentation before processing.
• Ensure all transactions are posted accurately on the Bank's core banking system.
• Process cash and cheque transactions in accordance with approved operational procedures.

Cash Management

• Maintain an assigned cash till and ensure it balances at the beginning and end of each business day.
• Conduct daily cash counts and reconcile cash balances.
• Escalate cash shortages, excesses, or discrepancies immediately.
• Ensure proper handling, sorting, and safeguarding of cash and other negotiable instruments.

Customer Service

• Provide prompt, courteous, and professional service to customers.
• Respond to customer enquiries relating to transactions and account services.
• Direct customers requiring specialized services from the appropriate department.
• Promote a positive customer experience at every interaction.

Compliance & Risk Management

• Ensure strict compliance with CBN regulations, AML/CFT requirements, KYC policies, and internal operational procedures.
• Detect and promptly report suspicious or unusual transactions.
• Adhere to cash handling limits and operational control procedures.
• Maintain complete and accurate transaction records for audit purposes.

Operational Support

• Assist with daily branch opening and closing procedures.
• Support vault operations in line with approved procedures where required.
• Maintain cleanliness and organization of the teller workstation.
• Participate in periodic cash audits and operational reviews.

Key Performance Indicators (KPIs)

• Transaction Processing Accuracy
• Daily Cash Balancing Accuracy
• Cash Shortage/Overage Rate
• Transaction Turnaround Time (TAT)
• Customer Service Satisfaction
• Compliance with Cash Handling Procedures
• KYC & AML Compliance
• Audit Findings and Exceptions
• 0% Error Rate
• Operational SLA Compliance

Requirements

• Bachelor's Degree or HND in Accounting, Banking & Finance, Business Administration, Economics, or a related field.
• Minimum of 2years' relevant experience as a Teller within a Microfinance Bank (MFB).
• Strong knowledge of cash handling procedures, teller operations, and banking transactions.
• Experience using a core banking application.
• Good understanding of KYC, AML/CFT, and CBN operational guidelines.
• High level of integrity, accuracy, and attention to detail.
• Strong numerical, communication, and customer service skills.
• Ability to work under pressure while maintaining accuracy.
• Fluency in English and Hausa will be an added advantage.
• Must reside in Kano State, preferably within or around Dawakin Kudu and its environs.