About Tsitohina
- Corporate Finance & Financing :
- Key Account Management (Large Accounts) :
- Subsidiary Supervision & Local Establishment :
French
Native or bilingual
Malagasy
Native or bilingual
English
Fluent
Experience
- BMOI (Groupe BCP)Business Relationship ManagerBANKING AND INSURANCEJuly 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. - Middle OfficeCredit AnalystJanuary 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.
- deQuality & EfficiencyJanuary 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 CommunicationUniversity of AntananarivoJournalisme
- Master in ManagementUniversity of Antananarivo2005Finance et comptabilité
Certifications
- MEAL TrainingHyppocamp2026
- Becoming an Individual ConsultantAcor2026