Shreya Bhowmik
Relationship Manager - Corporate Banking
Bengaluru
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
7
7
years of professional experience
Work History
Corporate Banking Relationship Manager
Citibank
09.2021 - Current
- Directed a high-value client portfolio of 60+ multinational subsidiaries across sectors including Technology, Industrials, Airlines, Publishing, Consumer, and Healthcare, contributing over USD 15M in annual revenue.
- Defined and executed strategic client acquisition and retention plans, significantly enhancing market share and wallet penetration in the MNC subsidiary vertical.
- Advised senior client stakeholders on complex cross-border payment structures and FDI compliance, positioning the bank as a trusted strategic partner.
- Championed end-to-end delivery of integrated transaction banking solutions, including supply chain finance, trade receivables, dynamic collections (Payer ID, dynamic QR), and commercial card programs.
- Collaborated with cross-functional leadership teams across product, compliance, operations, and risk to drive solution innovation and client success.
- Institutionalized a client-first service model by leading issue resolution frameworks and driving initiatives that improved satisfaction and retention metrics.
- Spearheaded internal strategic initiatives, including the rollout of client feedback programs and the publication of thought leadership content through monthly newsletters.
- Recognized for strengthening the bank’s position as a preferred banking partner to global corporations operating in India.
Asset Business Developer
Citibank
05.2019 - 09.2021
- Consistently exceeded sales targets through disciplined pipeline management, strategic prospecting, and high-conversion client engagement.
- Contributed significantly to asset book growth by structuring customized lending solutions (working capital, term loans, trade finance) and delivering persuasive proposals aligned with client needs.
- Led end-to-end credit processes including lead generation, financial analysis, credit memo preparation, compliance checks, documentation, and loan disbursal.
- Ensured 100% compliance with internal credit policies and regulatory guidelines (C&C, KYC, AML) during client onboarding and transaction execution.
- Facilitated internal capability building by conducting training sessions for branches and channel teams on business development best practices.
- Drove cross-sell initiatives by identifying client opportunities and coordinating with internal product teams to offer mortgages, credit cards, insurance, and investment products.
- Partnered with cross-functional stakeholders including credit, operations, legal, and compliance to deliver seamless client experiences and operational efficiency.
Sales and Strategy Intern
L&T Financial Services
04.2018 - 06.2018
- Formulated and helped in the implementation of new frameworks to achieve higher disbursement targets.
- Led, motivated and drove the Front line officers to productivity.
- Conducted competition analysis in the microfinance industry, acquired knowledge of the market structure, work practices to enable development of effective plans and processes.
- Interacted with customers with an objective of understanding their current and future requirements to ensure steady response.
Education
MBA - Marketing
T.A. Pai Management Institute
Manipal, India 04.2001 -
Bachelor of Science - Microbiology
University of Calcutta - Ashutosh College
Manipal, India 04.2001 -
Skills
Sales forecasting and strategy
Client engagement strategies
Deal Structuring & Credit Assessment
Financial & Cash Flow Analysis
Corporate Lending & Trade Finance Solutions
Cross-Border Payments & Regulatory Compliance (KYC, AML, FDI)
Portfolio Management & Revenue Growth
Customer Engagement & Retention Strategies
Pipeline & Opportunity Management
Competitive Market Analysis
Internal Stakeholder Collaboration
Business Process Improvement & Team Enablement
Accomplishments
- Among the Top 5 performing Asset BD's - 2020
- Inducted in TAPMI Achievers Club - (2017-2018)
- Secured 3rd Position in Research and Poster Presentation in a National level Seminar held in Scottish Church College, Kolkata - 2017
Projects
Kraft Heinz India (2018)
- Recommended solutions to improve the trade loyalty program by benchmarking against other competitor trade loyalty programs
Karnataka Cooperative Milk Producers Federation (KMF) 2018
- Did competitor analysis of KMF products under brand name "Nandini" by gauging the importance of different factors that motivate people to buy dairy products. Also measured brand awareness and price sensitivity of dairy products.
Jet Airways (2017)
- Worked on a project to understand factors which would lead to increased student bookings via Eduletter program
Positions of Responsibility
Content Writer - Literary & Media Committee, TAPMI (2017-19)
- Branding and promotion of college events on social media handles of TAPMI to increase brand visibility and awareness
- Content writer of the official TAPMI Blog and annual college magazine Interface
- Involved in the conception and conduct of the first literary and arts festival (MERAKI) at TAPMI
House Captain, Loreto Day School (2010-11)
- Co-chair of the Student Executive Council and was actively involved in the implementation of all Inter and Intra school events - Quiz, Debate, Elocution, Dramatics, Sports.
Timeline
Corporate Banking Relationship Manager
Citibank
09.2021 - Current
Asset Business Developer
Citibank
05.2019 - 09.2021
Sales and Strategy Intern
L&T Financial Services
04.2018 - 06.2018
MBA - Marketing
T.A. Pai Management Institute
04.2001 -
Bachelor of Science - Microbiology
University of Calcutta - Ashutosh College
04.2001 -