SHAIK SADIK
Al Qouz, Dubai,UAE
Summary
Banking operations and risk compliance expert with over 10 years of experience in branch management and financial crime analysis. Proficient in cash management, high-value remittances, and risk mitigation strategies. Demonstrated success in optimizing cash flow, enhancing internal audits, and implementing AML/KYC frameworks. Extensive knowledge of GCC fiscal compliance, including UAE corporate tax regulations, resulting in consistently high audit ratings and zero financial losses.
Overview
4
4
Languages
10
10
years of professional experience
Work history
MANAGER – OPERATIONS / AUTHORIZER / BRANCH OPERATIONS MANAGER
AXIS BANK LTD
Bangalore
04.2022 - 06.2026
- Directed retail and branch banking operations for 4.3+ years cash tasks and remittances.
- Processed teller functions and multi-million remittance volumes to deliver uninterrupted service.
- Completed daily branch reconciliations for 3 central ATMs matching cleared accounts with SBI.
UNIT MANAGER – BRANCH OPERATIONS MANAGER
FINCARE SMALL FINANCE BANK LTD
Bangalore
12.2020 - 03.2022
- Drove the corporate five-S programme across branch assets to cut wait times by 20%.
- Aligned branch metrics to regional leadership mandates for staff productivity benchmarks.
- Streamlined operations and implemented efficient work systems to improve branch performance.
DEPUTY MANAGER / CUSTOMER SERVICE OFFICER -SALES
AXIS BANK LTD
Chittoor & Bangalore
05.2016 - 12.2020
- Managed retail and branch banking operations for teller and customer service teams.
- Coordinated remittance and lobby management while meeting bank compliance standards.
- Processed cash transactions accurately and completed end-of-day reconciliation confidently.
- Drove cross-selling models across frontline staff to raise fee-based income 15% year-on-year.
- Delivered sales performance against client growth across all products and services.
- Improved conversion rates by designing and delivering innovative selling strategies.
- Built customer rapport to increase repeat business over time.
- Managed client relationships from initial sales stages through post-sales follow-up.
- Presented product information to prospects to increase sales conversions.
- Completed cash postings and reconciliations to minimise end-of-day discrepancies.
- Conducted market research to spot expansion opportunities.
- Managed daily office operations to keep branch activities running smoothly.
Education
MASTER OF BUSINESS ADMINISTRATION (MBA) - FINANCE
SRI VENKATESWARA COLLEGES OF ENGINEERING
TIRUPATISkills
- Treasury management
- High-volume remittances
- CTS clearing
- Outstation cheques
- Liquidity optimization
- Customer relationship management
- Performance metrics evaluation
- Motivational leadership
- Diverse environment leadership
- Interpersonal effectiveness
- Diplomatic communication
- Effective delegation
- Technical proficiency
- Financial analysis and modeling
- Risk management and credit assessment
- Regulatory compliance and KYC expertise
- Data analytics and Excel proficiency
- Digital banking and fintech literacy
- Communication and presentation skills
- Loan structuring and underwriting
- Cash management strategies
- Sales and cross-selling expertise
- Financial reporting and IFRS knowledge
- Fraud detection and AML expertise
- Strategic thinking and market awareness
- Negotiation and deal-closing skills
- Team collaboration
Languages
ENGLISH
HINDI
TELUGU
KANNADA
Custom
- Dubai Retail & Corporate Banking Compliance
- Central Bank Regulatory Alignments
- DIFC & ADGM Operational Frameworks
- 9% UAE Corporate Tax Regime Integration
Personal Information
- Passport Number: I0099448
- Date of birth: 04/09/93
- Gender: Male
- Nationality: Indian
- Marital status: Married
- Religion: Islam
- Visa status: Visit Visa
Timeline
MANAGER – OPERATIONS / AUTHORIZER / BRANCH OPERATIONS MANAGER
AXIS BANK LTD
04.2022 - 06.2026
UNIT MANAGER – BRANCH OPERATIONS MANAGER
FINCARE SMALL FINANCE BANK LTD
12.2020 - 03.2022
DEPUTY MANAGER / CUSTOMER SERVICE OFFICER -SALES
AXIS BANK LTD
05.2016 - 12.2020
MASTER OF BUSINESS ADMINISTRATION (MBA) - FINANCE
SRI VENKATESWARA COLLEGES OF ENGINEERING