Khushboo Bhojwani
Bengaluru
Summary
Senior Manager with 6 years of experience in the banking sector, currently serving as a Working Capital Relationship Manager. Skilled in managing client portfolios, optimizing working capital, and providing tailored financial solutions. Proven ability to build strong client relationships, drive business growth, and deliver strategic financial advice. Strong leadership and in-depth knowledge of financial products, ensuring high-quality service and operational efficiency.
Overview
8
8
years of professional experience
Work History
Senior Manager, Working Capital
Axis Bank
12.2024 - Current
- Conducted branch visits across Bengaluru to introduce and promote working capital products, fostering strong relationships with branch managers and staff.
- Engaged with financial consultants throughout Bengaluru to present and discuss working capital products, including tailored payout schemes, ensuring alignment with client needs and market demands.
- Successfully sourced and facilitated loans exceeding ₹10 crores by identifying and approaching potential clients, managing negotiations, and ensuring timely execution of financing solutions.
- Met with clients to understand their unique financial requirements, providing tailored working capital product pitches to address their specific business needs and growth objectives.
Working Capital Relationship Manager
YES BANK LTD
04.2022 - 11.2024
- Sourcing potential customers from open market
- Conversion of Leads generated by Branch Members
- Preparation of CAM for the cases above 5 crore
- Exception Management
- Cross sell of all products
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Consistently exceeded quarterly loan goals by cultivating a strong network of professional contacts and referrals.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
Credit Manager Commercial Vehicles
Shriram Finance Corporation Private Limited
01.2019 - 03.2022
- Responsible for leading a team of credit controllers who are responsible for collections, customer analysis and Business Development
- Assessment of Credit Worthiness of Borrower
- Preparation of Cash flow
- Assessment of Borrower’s Profile as per Companies policy
- Preparation of various reports related to Business Development
- Leading and monitoring team of `5 people and guiding them for MSME Business sourcing.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Negotiated payment plans with delinquent customers to minimize losses while maintaining positive client relationships.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Maintaining low Delinquency portfolio and better collection efficiency through guiding and monitoring team
Articleship Trainee
Samvad and Associates (CA Firm)
11.2016 - 12.2018
- Acted as the primary liaison between the company and financial institutions, ensuring smooth communication and timely updates on financial matters.
- Developed comprehensive and concise executive summaries for various reports and business proposals to highlight key insights and decision-making points.
- Prepared and analyzed detailed Credit Monitoring Arrangement (CMA) reports to assess the company’s financial health, facilitating smooth loan sanctioning processes.
- Created and designed company profiles to effectively communicate business goals, operations, financials, and market position to investors, partners, and financial institutions.
- Represented the company in consortium meetings, collaborating with stakeholders, financial institutions, and other partners on joint ventures and funding arrangements.
Education
Executive MBA - Financial Analysis
O.P. Jindal University
Remote03-2026
Bachelor of Commerce - Commerce
Pandit Ravishankar University
Raipur, India01.2016
Class 12th - Commerce
Kendriya Vidhyalay
Manendragarh, India01.2012
Class 10th - Commerce
Kendriya Vidhyalay
Manendragarh, India01.2010
Skills
- Resilience in High-Pressure Situations
- Effective Prioritization Ability
- Adherence to Established Protocols
- Detail-Oriented Approach
- Proficient in MS Office Suite
- Strategic planning
- Operations management
- Cross-functional team coordination
Accomplishments
- Qualified Q2 TPP contest ISTP to Almaty, Europe.
- Qualified Q2 TPP contest ISTP to Karabi, Thailand.
- Qualified Power of 1 contest in Q1.
- Part of SME talent pool for FY 23.
- Pan India Rank 2 performer of the year
Languages
Hindi
English
Disclaimer
I hereby declare that the above written particulars are true to the best of my knowledge and belief.
Timeline
Senior Manager, Working Capital
Axis Bank
12.2024 - Current
Working Capital Relationship Manager
YES BANK LTD
04.2022 - 11.2024
Credit Manager Commercial Vehicles
Shriram Finance Corporation Private Limited
01.2019 - 03.2022
Articleship Trainee
Samvad and Associates (CA Firm)
11.2016 - 12.2018
Executive MBA - Financial Analysis
O.P. Jindal University
Bachelor of Commerce - Commerce
Pandit Ravishankar University
Class 12th - Commerce
Kendriya Vidhyalay
Class 10th - Commerce
Kendriya Vidhyalay
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