Pamela Nobre
Thonon-les-Bains
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Skilled at independently achieving objectives while rapidly acquiring new competencies in HR manager with a focus on Diversity, Equity, and Inclusion (DEI), credit analysis, banking operations, customer relationship management, and banking industry understanding.
Overview
20
20
years of professional experience
Work History
Credit Analyst
Cofidis
Lisbon
05.2023 - 12.2024
- Conducted B2B credit analysis ensuring fairness and ethical decision-making in financial assessments.
- Collaborated with business partners to create transparent and inclusive communication channels.
- Supported data accuracy and process improvements in partner onboarding and documentation management.
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Interpreted complex financial data such as balance sheets, cash flow statements and income statements.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.
- Collected and organized loan documents before submission to underwriting.
- Reviewed credit reports to determine applicant eligibility and creditworthiness.
- Developed risk assessment models to enhance credit approval processes.
- Data entry
Customer Relationship Manager
Cofidis
Lisbon
01.2023 - 05.2024
- Financial advice and credit management
- Credit retention, payment agreements, contractual changes
- Issuance of debt and settlement statements
- Credit recovery and complaints
- Clients' credit eligibility and financial status analysis and evaluation
- Managed client relationships to enhance customer satisfaction and loyalty.
- Resolved client inquiries promptly to ensure a positive customer experience.
- Responded promptly to emails, phone calls and chat.
- Data entry
Credit Manager
Easygest Finance
04.2022 - 01.2023
- Market research for credit operations
- Opening and handling with credit cases
- Customer service, archives and process training
- Process controlling and reporting
- Reviewed and analyzed financial statements to determine borrower creditworthiness.
- Collaborated with sales teams to align financing solutions with customer needs.
- Evaluated customer applications for credit limits in accordance with established guidelines.
- Prepared monthly departmental reports summarizing the status of outstanding receivables.
- Data entry
Business Manager
Linhas D'Aço
08.2020 - 03.2022
- Clients and partners intermediation
- Restructuring and contracting processes handling
- Internal recruitment processes
- Utilized data analysis tools to inform decision-making and optimize processes.
- Maintained financial records, prepared budgets, and monitored expenditures for multiple departments.
HR Manager
Hotel Praia do Sol
Charneca da Caparica
10.2017 - 05.2019
- Developed and implemented HR policies to support hotel operations.
- Facilitated training programs for staff to enhance service quality and compliance.
- Coordinated employee relations initiatives to maintain a positive work environment.
- Created and maintained personnel records, such as hiring documents, benefits information and payroll data.
- Conducted recruitment process for new hires, including job postings, interviews and background checks.
- Managed compensation, insurance and vacation days within employee benefits programs.
Customer Relationship Manager
BES / Novobanco SA
07.2004 - 07.2017
- CRM management
- Private and corporate accounts management
- Individual and home loans
- Insurance and complaints management
- Quality reports
- Developed tailored solutions to meet diverse client needs and requirements.
- Coordinated training sessions for staff on customer relationship best practices.
- Monitored account performance to maintain high standards of service quality.
- Responded promptly to emails, phone calls, and other forms of communication from customers.
- Identified opportunities for cross-selling products or services.
- Ensured compliance with relevant regulations, laws, and policies related to customer relationships.
- Helped customers open accounts, make deposits, update information, and carry out range of routine actions.
Education
Bachelor's Degree - Social Sciences Minor in Social Intervention
Universidade Aberta
Lisbon07-2026
Skills
- Problem solving
- Organizational leadership
- Effective listening
- interpersonal skills
- Adaptability
- Emotional intelligence
- Collaboration / teamwork
- Social Media
- Microsoft Office
- Credit analysis
- Banking operations
- Continuous improvement
- Microsoft Excel proficiency
- Customer evaluation
- Banking Industry Understanding
- Customer relationship management
- Data entry
Certifications
- Leadership and Resilience, 03/23
- Administrative Human Resources, 10/25
- HR Foundations: Core Human Resources, 10/25
- SQL, 08/25
- Introduction to Good Cybersecurity Practices, 05/25
- Digital identity: Digital Footprints, 05/25
- Introduction to Classified Information Security, 03/25
- Supplementary Course on Classified Information Security, 03/25
Education
Universidade Aberta, Lisbon, Social Sciences minor in Social Intervention Bachelor, final year (October 2023 - June 2026)
Personal Information
Hobbies: Family, Friends, Volunteering, Travel, Books, Hiking, Meditation, Cinema and Music.
Languages
Portuguese
Native
Native
English
Advanced (C1)
C1
French
Elementary (A2)
A2
Timeline
Credit Analyst
Cofidis
05.2023 - 12.2024
Customer Relationship Manager
Cofidis
01.2023 - 05.2024
Credit Manager
Easygest Finance
04.2022 - 01.2023
Business Manager
Linhas D'Aço
08.2020 - 03.2022
HR Manager
Hotel Praia do Sol
10.2017 - 05.2019
Customer Relationship Manager
BES / Novobanco SA
07.2004 - 07.2017
Bachelor's Degree - Social Sciences Minor in Social Intervention
Universidade Aberta