Open to opportunities

Sapna Vishwakarma

@sapnavishwakarma

Message

I lead compliant banking operations, branch teams, cash management, and AML/KYC controls.

India

Message

What I'm looking for

I'm seeking senior banking and operations roles in the UAE, Bahrain, Saudi Arabia, Qatar, Kuwait, or Oman, where I can lead branch operations, AML/KYC compliance, audit controls, teams, and service delivery.

I've led branch operations at HDFC Bank and Muthoot Finance Group, managing cash, vaults, gold loan documentation, customer service, audits, and AML/KYC controls with zero regulatory breaches.

Across banking, government finance, and Bahrain-based HR and accounts operations, I've managed reconciliations, financial documentation, team training, recruitment, MIS reporting, and cross-functional delivery. I'm seeking senior banking and operations opportunities across the Gulf.

Experience

Work history, roles, and key accomplishments

Current

Senior Sales Executive / Team Leader

Current

TPIPAY Fintech Ltd

Jul 2026 - Present (1 month)

Leading a sales team to drive customer acquisition and revenue growth for fintech payment solutions. Managing client relationships, sales pipeline, and target achievement across assigned territory.

Sales Leadership Customer Acquisition Revenue Growth Sales Pipeline Management Fintech Solutions Customer Relationship Management

HR, Admin & Accounts Coordinator

AKM Business Consultant

Jun 2025 - Mar 2026 (9 months)

Managed end-to-end recruitment, employee induction, and exit formalities in compliance with local labour laws. Maintained accounting records, handled accounts payable/receivable, and prepared HR MIS reports.

Recruitment Onboarding Compliance Accounting Accounts Payable Accounts Receivable Bank Reconciliation Cash Reconciliation Vendor Payments

Branch Manager

Muthoot Finance Group

Jan 2025 - May 2025 (4 months)

Oversaw complete branch operations including gold loan disbursement, documentation verification, and daily cash management. Ensured AML compliance and KYC verification for all customer transactions, maintaining zero regulatory breaches.

Branch Operations Gold Loan Disbursement Cash Management AML Compliance KYC Sales Reporting Audit Compliance Team Leadership

Branch Operations Manager

HDFC Bank

Jan 2023 - Jul 2024 (1 year 6 months)

Supervised daily branch cash operations, ATM cash loading/unloading, vault management, and end-of-day reconciliation. Led AML compliance and KYC verification ensuring zero regulatory breaches across all customer accounts.

Branch Operations Cash Management ATM Operations Reconciliations AML Compliance KYC Customer Service

Teller / Customer Service Manager

IDFC First Bank

Aug 2018 - Apr 2023 (4 years 8 months)

Handled high-volume daily teller transactions, cash reconciliation, and branch cash management with exceptional accuracy. Performed KYC verification, account opening documentation, and compliance checks as per RBI regulations.

Cash Reconciliation Cash Management KYC Account Opening Compliance Customer Service Training

Cashier cum Accounts Assistant

Army Medical Corps

Jun 2014 - Jul 2018 (4 years 1 month)

Managed daily cash transactions, fund disbursement, and cash reconciliation with high accuracy. Maintained accounting records, financial documentation, and ledger updates for government audit requirements.

Cash Management Disbursal Reconciliations Accounting Financial Documentation Ledger Management Reporting Internal Controls