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  • Posted: Apr 30, 2024
    Deadline: Not specified
  • Never pay for any CBT, test or assessment as part of any recruitment process. When in doubt, contact us

    The genesis of The Concept Group was initially borne from a functional and structural approach, simply delivering better effectiveness through shared services of back office functions for its more market facing organizations. As the organization grew, the Group along with its member subsidiaries have evolved to embody much more. As a tested guiding light,...
    Read more about this company


    Portfolio Risk Analyst

    Scope and Impact

    • The Portfolio Risk Analyst examines and analyzes the mix of company loan product activities, with the purpose of making decisions that are expected to improve overall return.
    • He/she is primarily tasked with conducting detailed portfolio analysis and reports on loan and lease portfolio to anticipate, identify and mitigate credit risk exposure related to portfolio management activities in the organization.
    • He/she will be grossly responsible for offering risk management analysis on business portfolio and research into business expertise area.

    Job Summary

    • The Portfolio Risk Analyst will determine risks and opportunities within credit portfolio processes and strategy, conduct risk analysis, track trends, understand risks associated with all product portfolios and create corresponding reports on projects, documenting same accordingly to present to senior management.
    • He/she is also responsible for overseeing the credit collection unit, ensuring that appropriate steps are taken to collects payments on debts, all payments data are well recorded and subsequently, using the generated data to the perform the necessary analysis and provide corresponding reports.

    Duties & Responsibilities

    • Analyses transactional risk measures including defaults, correlations and stress losses to enhance concentration risk views.
    • Estimates the probability of defaults, loss given default in order to validate risk parameters (PD, LGD, EAD/CCF) calculated for internal credit risk management.
    • Identifies adjustments required to risk parameters (PD, LGD, EAD/CCF) calculated for internal credit risk management.
    • Analyses and monitors the company’s lease portfolio.
    • Assessing all other credit risks and making recommendation.
    • Periodically analyses quantitatively and qualitatively the loan portfolio of the company based on sector concentration, volume concentration, product concentration, etc.
    • Periodically performs default/principal at risk assessment, measuring the impact of guarantors/collaterals and impact of group loan on risk exposure.
    • Monitors compliance to credit and risk policies of the company.
    • Prepares report on analytics of portfolio performance, emerging trends and areas of opportunity.
    • Prepares comprehensive report on all repossessed lease assets identifying principal outstanding, loan-assetvalue, number of rentals outstanding, date asset is expected to be disposed and estimation of depreciation in asset value.
    • Mitigates credit risk exposure related to portfolio management activities.
    • Prepares report on probability of default using information from direct debit, cheque lodgement report and returned cheque report
    • Suggests initiative to ensure consistency and compliance with credit policies and improve credit qualities.
    • Proposes evolutions in the policy, process, procedure, methodology, collaterals related to the risk identified.
    • Makes recommendations for process improvement, addressing gaps and areas for additional or improved reporting and data.
    • Responsible for training the department on identified trends and recommendations.
    • Responsible for compiling and evaluating information needed to collect delinquent accounts, supervise field collections and perform other collection duties as required.

    Qualifications / Requirements

    • A Bachelor's Degree in Accounting, Finance or a related field.
    • Advanced Degrees, Certifications and / or professional membership will be an added advantage
    • Minimum of 5 years working in similar field, with cognitive experience as a Portfolio risk Analyst.
    • Good understanding of industry laws and regulations
    • Excellent organizational and leadership skills
    • Ability to present and communicate analysis and recommendations
    • Ability to measure financial data to evaluate financial performance and position

    Job Knowledge:

    • Knowledge of all practices and procedures involved in credit and risk management.
    • Expert experience handling and working efficiently with Microsoft Office Suite, Google
    • Suite and other statistical and analyticalsoftware.
    • A good understanding of business trends, situations, practices, procedures and models.
    • Ability to review, analyze and report credit and risk activities.
    • Knowledge of all practices and procedures involved in credit and risk management and how they can be implemented in a way that minimizes financial loss.
    • A track record of proven experience in the above key accountabilities, specifically within a high volume and fast paced environment.
    • Proven track record of experience in supervising, leading and coaching a team within a busy and effective credit control, collections or debt risk analysis function.
    • Extensive collection and portfolio risk analysis experience with a financial institution
    • In-depth knowledge of financial rules and guidance covering financial reporting in relation to Portfolio analysis.
    • Excellent use of Microsoft office packages.

    Skills / Competencies:

    • Ability to review, analyze and report credit and risk activities and data in a way that is easily understood to make better decisions.
    • Ability to identify gaps within the credit policies.Ability to anticipate and identify financial and economic trends as regards loan and lease portfolio.
    • Ability to measure financial data to evaluate financial performance and position
    • Demonstrates a commitment to teamwork through own actions.
    • Ability to communicate complex concepts and issues effectively.
    • Demonstrates high standards of conduct which are not compromised even under highly stressful circumstances.
    • Ability to handle and work efficiently with Microsoft Office Suite, Google Suite and other statistical and analytical software or application especially Microsoft Excel and PowerPoint.
    • Fosters a climate that supports respect for others
    • Ability to function within defined guidelines and procedures to resolve routine issues
    • Demonstrable ability to understand business trends,situations, practices, procedures and models
    • Motivates team members to achieve their personal and professional best.
    • A good ability to present and communicate analysis and recommendations to business leaders by supported facts.

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    Business Operations Analyst

    Job Summary

    • Business Operations Analyst is responsible for developing operational KPIs and ensuring all process and polices are understood and adhered to by all stakeholders.

    Duties & Responsibilities

    • Create and monitor Operational KPI’s of process owners.
    • Effectively communicate newly developed process/policies to the necessary stakeholders
    • Help drive the implementation of all process and policies across all sales related unit
    • Work directly with stakeholders to create implementation plans and complete milestones
    • Work with learning and development to organize trainings for staffs to help them better understand business processes and policies
    • Independently implement, administer and evaluate day-to-day activities across all sales related departments
    • Identify and execute given tasks and objectives, making recommendations that impact policies and processes
    • Review analyzed data to explain trends; formulate and evaluate alternative solutions
    • Analyze and interpret policies; review and implement procedures for program or function
    • Give optimal reports and escalate when necessary.

    Qualifications / Requirements

    • BSc / HND in any field
    • Experience in Operations is an advantage

    Skills / Competencies:

    • Interpersonal and verbal communication skills
    • Time management and prioritization skills
    • Organizational skills
    • Assertiveness

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    Head, Business Operations

    Job Summary

    • The Head Business Operations has the primary responsibility of managing all business operations and setting goals across the organization.
    • Tracking business results, performing cost-benefit analyses and monitoring business KPIs is critical to the role.
    • The Head of Business Operations will drive operational excellence, manage business risks, optimize processes and resources, monitor business performance, and contribute to the strategic direction of the organization.

    Duties and Responsibilities

    • Strategic Planning: Developing and implementing the overall strategic direction and operational plans for the organization, aligning them with the firm goals and objectives.
    • Business Process Improvement: Identifying opportunities for process optimization, efficiency enhancements, and cost reduction across different operational areas.
    • Risk Management: Assessing and managing operational risks, including compliance, regulatory requirements, and internal control frameworks.
    • Monitor financial data and recommend solutions that will improve profitability.
    • Coordinate with the HR department to ensure hiring plans meet business needs.
    • Financial Management: Collaborating with finance teams to develop and manage budgets, monitor financial performance, and analyze financial reports.
    • Operational Excellence: Driving operational excellence initiatives to enhance productivity, customer satisfaction, and service delivery. This may involve developing and monitoring key performance indicators (KPIs), setting performance targets, and implementing continuous improvement practices
    • Regulatory Compliance: Staying updated with relevant regulations, industry standards, and legal requirements.
    • Reporting and Analysis
    • Crisis Management


    • Minimum education level - First Degree in Business, Management Science, Administration or other relevant field from a reputable academic institution.
    • A Master’s in Business Administration, post-graduate qualification(s) or professional membership is relevant.
    • 7+ years of experience in Business Management.
    • Proven experience working within the financial sector.

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    Commercial Pricing Manager

    Job Summary

    • The Commercial Pricing Manager plays a pivotal role in driving profitability and revenue growth for the company by developing and implementing effective pricing strategies.
    • They are responsible for analyzing market dynamics, assessing competitor pricing strategies, and optimizing pricing models to maximize profitability while maintaining competitiveness.
    • The role requires a strong analytical mindset, strategic thinking, and excellent communication skills to collaborate across departments and drive alignment with overall business objectives.

    Scope and Impact

    • The Commercial Pricing Manager's role encompasses the strategic development, analysis, and optimization of pricing strategies within a company.
    • They are tasked with assessing market dynamics, competitor pricing strategies, and internal cost structures to set prices that maximize profitability while maintaining competitiveness.
    • Their responsibilities span across various aspects of pricing, including product pricing, discounting strategies, contract negotiations, and revenue management. Additionally, they collaborate closely with cross-functional teams such as sales, marketing, finance, and product management to ensure alignment with overall business objectives.
    • The impact of their work is significant, directly influencing the company's financial performance, market position, and customer relationships.

    Duties & Responsibilities
    Market Analysis:

    • Conduct thorough market research to understand customer demand, industry trends, and competitor pricing strategies.

    Price Setting:

    • Develop pricing strategies across all products that align with business goals and objectives, considering factors such as costs and desired profit margins.

    Price Optimization:

    • Continuously monitor pricing data and performance metrics to identify opportunities for price optimization and revenue maximization.

    Competitive Analysis:

    • Analyze competitor pricing strategies and adjust pricing tactics accordingly to maintain competitiveness in the market.

    Revenue Management:

    • Collaborate with sales, product and Research and Development teams to develop pricing tactics that drive sales volume and revenue growth.

    Performance Monitoring:

    • Track key performance indicators (KPIs) such as sales volume, revenue, profit margins, and market share to assess the effectiveness of pricing strategies.

    Cross-functional Collaboration:

    • Work closely with cross-functional teams to ensure alignment of pricing strategies with overall business objectives and market dynamics.

    Strategy Development:

    • Develop and implement pricing strategies for new product launches, promotional campaigns, and market expansions.

    Process Improvement:

    • Identify opportunities to streamline pricing processes and systems to enhance efficiency and accuracy.
    • Any other task as assigned by the Line manager

    Qualifications / Requirements

    • Bachelor's Degree in Business Administration, Finance, Economics, Marketing, or a related field. A Master's degree or MBA may be preferred for some positions.
    • 3-5 years of experience in pricing analysis, revenue management, or related roles, preferably in the financial service industry.
    • Professional certifications such as Certified Pricing Professional (CPP) or Certified Pricing Strategy Analyst (CPSA) may be advantageous.
    • Experience with pricing strategy development, implementation, and optimization.
    • Demonstrated track record of success in driving revenue growth and profitability through effective pricing strategies.
    • Experience in cross-functional collaboration with sales, marketing, finance, and product management teams.
    • Familiarity with regulatory and compliance requirements related to pricing and contracts.
    • Proficiency in statistical analysis, financial modeling, and forecasting techniques to assess pricing strategies and their impact on profitability


    • Ability to analyze complex data sets, interpret trends, and derive actionable insights to inform pricing decisions.
    • Proficiency in statistical analysis, financial modeling, and forecasting techniques to assess pricing strategies and their impact on profitability.
    • Capacity to think strategically and develop innovative pricing strategies that align with business goals and market dynamics.
    • Excellent verbal and written communication skills to effectively convey pricing strategies, negotiate

    Job Knowledge:

    • Comprehensive knowledge of various pricing strategies such as cost-plus pricing, value-based pricing, competitive pricing, and dynamic pricing. Understanding when and how to apply these strategies based on market conditions, customer segments, and product/service attributes.
    • Proficiency in conducting market research, including gathering and analyzing data on customer demand, competitor pricing, market trends, and regulatory factors. Ability to interpret market insights to inform pricing decisions and identify opportunities for growth.

    Method of Application

    Interested and qualified candidates should forward their Applications to: using the Job Title as the subject of the email.

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