Career Openings at the Concept Group

Role Summary

• We’re looking for a Portfolio Risk Analyst to monitor, analyze, and improve the performance of our loan and lease portfolios. This role focuses on identifying credit risk, tracking trends, strengthening collections, and providing clear, data-backed insights to management to improve returns and reduce losses.

Key Responsibilities

• Analyze loan and lease portfolios to identify risk, trends, and opportunities
• Monitor key risk metrics (PD, LGD, EAD) and recommend adjustments
• Track defaults, concentration risk, and stress losses
• Prepare regular portfolio performance and risk reports for management
• Monitor compliance with credit and risk policies
• Oversee the collections team and improve debt recovery processes
• Provide insights and recommendations to improve credit quality and processes
• Train team members on risk trends and best practices.

What Success Looks Like

• Improved portfolio performance and reduced risk exposure
• Clear, accurate, and timely risk reports
• Stronger debt collection outcomes
• Better compliance with credit policies
• Actionable insights that management can actually use.

Key Requirements

• Bachelor’s degree in Finance, Accounting, or a related field with a minimum of 5 years’ experience in portfolio risk, credit risk, or collections (financial services preferred)
• Strong understanding of credit risk management and loan portfolios
• Advanced Excel skills and strong reporting ability
• Experience supervising or working closely with collections teams
• Strong analytical, communication, and decision-making skills.

Salary Budget
N380,000 / Month.

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Scope and Impact

• The candidate will Perform and control the full audit cycle including risk management and control management over the company’s operations and effectiveness.
• He/She must ensure financial reliability and compliance with all applicable directives and regulations.
• The candidate will also conduct a System review of credit transactions on a daily basis, and frequent call over of postings in the books of account and customers’ ledger for credit risk transactions.

Duties & Responsibilities

• Objectively review the organization's business processes
• Evaluate the efficacy of risk management processes in place.
• Make recommendations on how to improve internal controls.Identify loopholes and recommend risk mitigating measures.
• Review of petty cash.
• Protect against fraud and theft of the organization's asset.
• Call-over of postings by the collections team to assess correctness, promptness and completeness.
• Call-over of ledger postings by the Accounts department to ensure correctness and adherence to accounting principles and guidelines.
• Periodic risk assessment of internal processes in order to identify loopholes and proffering appropriate solutions.
• Conduct investigations into identified and reported cases as required.
• Ensure and monitor compliance to internal and regulatory policies.
• Anticipate emerging risks through data and regular assessments.
• Other relevant roles as ordered by the Head of department and senior officers in the department.
• Carry out internal control tasks as assigned by the manager.

Qualifications / Requirements

• Candidates should possess a University Degree in Accounting or Finance.
• ICAN/ACCA certification (or in view).
• Proven work experience as Internal Auditor/control officer.
• Advanced computer skills on MS Office, accounting software and databases.

Salary
N200,000 - N250,000 / Month.