Teller – Dawakin Kudu MFB at CredPal

CredPal is an innovative solution that seeks to combat the ever complex loan approval process that has deterred millions from achieving specific gaols over the years. We believe quality of life can be drastically improved if individuals can easily make purchases and pay overtime at their convenience with reduced or no financial pressure, while also increasing their purchasing capabilities.
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.