Manoa Ramaro

Credit Officer | Client Relationship & Loyalty Expert via Bloom'in

Professional Summary

Finance and commerce professional with strong analytical skills and a customer-centric mindset. With solid experience across industrial free-zone companies, international offshore service providers, and primary banking institutions, Manoa Ramaro has developed deep expertise in credit analysis, customer acquisition, and long-term client relationship management.

Recognized for her rigor, teamwork, and interpersonal skills, she specializes in customer satisfaction and loyalty strategies, building sustainable relationships that ensure portfolio stability and long-term business growth. And she is  available as a dedicated employee through Bloomin

Professional Experience

Credit Officer – Industrial Free-Zone Companies
3 years

• Personalized client reception and structured handling of financing requests
• Creditworthiness analysis to secure company commitments
• Active portfolio management and repayment monitoring

Commercial Services – Offshore Company
2 years

• Customer relationship management for international service clients
• Active prospecting and development of client satisfaction
• Contribution to customer loyalty strategies

Credit Officer – Primary Banking Institutions (2 banks)
3 years

• In-depth credit file analysis and financial risk assessment
• Client follow-up and trust-based relationship management
• Field visits to identify needs and strengthen customer retention
• Implementation of loyalty actions to maintain an active client portfolio

Key Responsibilities & Achievements

• High-quality customer reception and relationship management
• Credit analysis and financial risk evaluation
• Portfolio monitoring and repayment follow-up
• Customer satisfaction and loyalty strategy implementation
• Prospecting and acquisition of new clients
• Field visits and needs assessment
• Long-term client relationship development

Skills & Competencies

Core Skills

• Customer Satisfaction & Retention
• Credit Analysis & Risk Assessment
• Client Relationship Management
• Commercial Prospecting
• Portfolio Management

IT Skills

• Microsoft Office Suite (Word, Excel, Access)

Education

Master’s Degree in Commerce and Marketing

Languages

• Malagasy: Native
• French: Fluent
• English: Intermediate

Why Hire This Profile with Bloomin

Start Hiring with Bloomin Today
Whether you need a Dedicated Credit Officer, a Client Relationship Manager, or a Credit Analysis Expert in Madagascar, Bloomin provides flexible and secure offshore hiring solutions.

By choosing Manoa Ramaro as a dedicated employee through Bloomin, companies benefit from:

• A reliable and experienced credit professional
• Strong customer loyalty and relationship expertise
• Proven experience in banking, offshore services, and industrial sectors
• A cost-effective, committed, and long-term remote resource based in Madagascar