About Citrus Circle

Founder & Managing Director — Citrus Circle

Rowen David is a seasoned economist, trade finance and banking professional with over a decade of experience spanning credit risk, financial planning, and international trade instruments. He built a reputation for structuring compliant, real-economy financial solutions that strengthen liquidity and reduce counter-party risk.

As Trade Finance Specialist at Euro Exim Bank, Rowen has helped businesses access working-capital funding and facilitate international trade agreements through regulated banking instruments such as Letters of Credit (LCs), Standby LCs (SBLCs), and Bank Guarantees (BGs). His earlier career in retail and corporate banking gave him a grounded understanding of financial systems from both institutional and client perspectives.

Rowen holds a Master of Business Administration (MBA) in International Business, Trade & Tax Law from ENEB – European Business School of Barcelona, a Bachelor of Commerce in Finance from the University of South Africa, and advanced CFA postgraduate training in Financial Modelling, IFRS, and GAAP Accounting Principles. He has also completed the Financial Regulatory Exam 5 through Moonstone Business School of Excellence, underscoring his commitment to compliant and ethical financial practice.

At Citrus Circle, Rowen brings together his academic insight and professional mastery to pioneer a new model of ethical, profit-sharing finance. His mission is clear: to restore integrity, transparency, and partnership to modern banking — ensuring that prosperity circulates, rather than concentrates.