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Tsitohina RatsimanohatraTR

Tsitohina Ratsimanohatra

Finance & Subsidiary Management Consultant Madagascar

€400/day
Tananarive, MG
8-15 years

Average response time: 1 hour

Freelancer profile translated to English.
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About Tsitohina

Secure your financing, optimize your key accounts, and manage your operations in Madagascar with the expertise of a Corporate Banking professional.

With over 14 years of experience in commercial banking and Corporate Banking, I assist SME leaders and private investors in financial structuring and business development.

My background in leading financial institutions has enabled me to master risk analysis, corporate financing, and the management of large corporate client portfolios. Based in Antananarivo, I also act as a trusted liaison for international companies looking to supervise, audit, or establish private subsidiaries (BPO, services, industry) in Madagascar.

Here are my areas of expertise:
  • Corporate Finance & Financing :
Critical review and optimization of Business Plans, financial modeling, structuring and preparation of commercial bank credit and financing applications.
  • Key Account Management (Large Accounts) :
B2B commercial strategy consulting, high-level negotiation, and business partnership management, particularly for the industrial, oil, and corporate sectors.
  • Subsidiary Supervision & Local Establishment :
Part-time local representation, administrative and financial coordination, aligning your Malagasy subsidiary's processes with performance standards and headquarters' requirements.

Why work together?

My results-oriented approach, combined with the rigor of banking standards and a thorough understanding of the Malagasy private economic landscape, guarantees you sharp analyses, a strong sense of compliance, and concrete solutions to secure your operations and profitability.

Let's discuss your objectives during an initial conversation!
  • French

    Native or bilingual

  • Malagasy

    Native or bilingual

  • English

    Fluent

Can work on-site
Tananarive (up to 20km)

Experience

  • BMOI (Groupe BCP)
    Business Relationship Manager
    BANKING AND INSURANCE
    July 2018 - March 2026 (7 years and 8 months)
    Tananarive, Madagascar
    • Business Development :
    Proactive management of a diverse corporate portfolio; execution of growth plans to achieve Net Banking Income (NBI) objectives.
    • Credit Engineering :
    In-depth financial analysis of balance sheets and income statements for structured financing.
    • Risk Management :
    Rigorous monitoring of commitments and ensuring portfolio profitability through systematic risk assessments.
    Budget and Treasury Management Financial Analysis (Financial Structure and Operating Profitability)
  • Middle Office
    Credit Analyst
    January 2014 - January 2018 (4 years)
    • - Loan Application Processing: Conducting economic and financial studies for the Credit Committee to facilitate loan approval and renewal.
    • - Strategic Advice: Formulating recommendations on credit lines and profitability indicators.
  • de
    Quality & Efficiency
    January 2012 - January 2014 (2 years)
    • - Investigations and Corrective Actions: Conducting in-depth investigations into customer complaints and operational issues to identify root causes (Root Cause Analysis).
    • - Process Optimization: Implementing curative and preventive action plans to secure processing circuits and improve customer satisfaction.
    • - Standardization (ISO 9001): Writing and updating Standard Operating Procedures (SOPs) for the Domestic Operations Division.
    • - Incident Management (Migration): Resolving operational anomalies during the migration from the Atlas system to Amplitude.

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Education

  • Master in Media Communication
    University of Antananarivo
    Journalisme
  • Master in Management
    University of Antananarivo
    2005
    Finance et comptabilité

Certifications

  • MEAL Training
    Hyppocamp
    2026
    Social and Sustainable Development Project Management MEAL
  • Becoming an Individual Consultant
    Acor
    2026

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