Executive - Branch Operations (Instarem India Pvt. Ltd.)

Part of NIUM, one of the well-known B2B payments unicorn in Southeast Asia. Instarem has been on a mission of making international payments easy and affordable for everyone since 2014. We are the go-to solution for businesses that need to move money quickly, reliably and at a lower cost than banks.

Instarem is on a mission to make money simple for everyone.

We offer a smarter, faster, and more affordable way to move money across borders. A way without unfair exchange rates, hidden fees, or other complexities. With Instarem, you get peace of mind knowing your money is moving quickly and safely.

Part of Nium, Instrarem India Pvt. Ltd., gives you all the benefits of a cutting-edge payments company and the convenience of a one-stop-shop for all your financial needs abroad. We are an authorised Dealer in Foreign Exchange – Category II. Easily and securely make international payments with our fast and convenient services. Consumers can buy foreign currency, travel cards, and transfer money abroad. With Instrarem India Pvt. Ltd., one can

• Send money oversees and experience fast, low-cost transfers to 60+ countries


• Buy and Sell Foreign Exchange at great rates and low fees


• Buy prepaid Forex Cards for seamless payments overseas

About the Role:

The Executive - Branch Operations (Cashier) is a frontline role responsible for accurately processing foreign exchange transactions, servicing retail and corporate clients, and supporting smooth branch operations. This position involves handling currency exchanges (buy/sell), remittances, and travel card issuance per RBI or central bank guidelines, while ensuring compliance with KYC/AML regulations and maintaining high standards of customer service and cash integrity.

• Execute foreign currency transactions accurately—including purchasing and selling forex—based on real‑time rates.
• Issue prepaid travel cards and process AD‑II and INMT remittance requests, ensuring adherence to documentation standards.
• Validate authenticity of banknotes using manual inspection, UV detectors, or currency‑counting machines.
• Maintain accurate cash balances at start/end of each shift; perform daily reconciliation of tills, forex inventory, and receipts.
• Handle cash safely, deposit excess floats as per procedure, and report any discrepancies immediately.
• Greet and assist customers, guide them through forex products, rates, and required documentation.
• Provide accurate information on services; resolve complaints professionally and escalate when needed.
• Upsell-related products—e.g. travel insurance, forex cards, remittance services—to enhance customer value and branch revenue.
• Perform KYC checks and verify documents before processing transactions; enforce internal policies and RBI guidelines.
• Adhere to AML/CFT policies; identify and report suspicious activities or attempted fraud promptly.
• Record all transactions accurately in the company’s forex software (e.g. EON); ensure data integrity and timely updates.
• Assist in preparing daily cash/reporting sheets, participate in internal audits and branch inventory counts.
• Coordinate with branch manager and back-office teams to resolve anomalies, replenish currency stock, and ensure operational efficiency.

• A graduate degree or equivalent required. A degree in Finance, Commerce, or related field is preferred.
• Previous experience of minimum 1-2 years as a cashier, teller, or in cash-handling environment, with exposure to forex or banking operations preferred.
• Excellent numerical accuracy and attention to detail in cash transactions.
• Strong customer service and communication skills; ability to explain rates, procedures, and resolve queries professionally.
• Basic computer proficiency and familiarity with fintech or remittance software, MS Office/Excel for transaction logging.
• Knowledge of forex products, exchange rate dynamics, KYC/AML procedures, and regulatory compliance frameworks.
• High integrity, trustworthiness, and ability to handle large cash volumes securely.
• Ability to work under pressure in a fast-paced retail environment while maintaining accuracy and composure in a fast-paced retail environment while maintaining accuracy and composure.

We Value Performance: Through competitive salaries, performance bonuses, sales commissions, equity for specific roles and recognition programs, we ensure that all our employees are well rewarded and incentivized for their hard work.

We Care: The wellness of Nium’ers is our #1 priority. We offer medical coverage along with 24/7 employee assistance program, generous vacation programs including our year-end shut down. We also provide a flexible hybrid working environment (3 days per week in the office).

We Upskill Ourselves: We are curious, and always want to learn more with a focus on upskilling ourselves. We provide role-specific training, internal workshops, and a learning stipend.

We Constantly Innovate: Since our inception, Nium has received constant recognition and awards for how we approach both our business and talent opportunities. Check out CNBC World’s Top Fintech Companies 2024.

We Celebrate Together: We recognize that work is also about creating great relationships with each other. We celebrate together with company-wide social events, team bonding activities, happy hours, team offsites, and much more!

We Thrive With Diversity: Nium is truly a global company, with more than 33 nationalities, based in 18+ countries and more than 10 office locations. As an equal opportunity employer, we are committed to providing a safe and welcoming environment for everyone.

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