Jobs at The Concept Group

Job Description

• 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.
• 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.

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.

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 2 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.

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Job Summary

• The Head, Human Resources is directly responsible for the overall administration, coordination and strategic evaluation of the human resources department for the entire group.
• He/she will be responsible for all Human Resources related solutions that influence business decisions.
• The Head, HR will also improve HR initiatives, enhancing staff morale and relations between staff and management, contribute to attaining business goals,promote good HR practices and attract talented recruits to meet the organization’s needs.

Responsibilities

• Develops organization strategies by identifying and researching human resources issues; contributing information, analysis, and recommendations to organization strategic thinking and direction; establishing human resources objectives in line with organizational objectives.
• Implements human resources strategies by establishing department accountabilities, including talent acquisition, staffing, employment processing, compensation, health and welfare benefits, training and development, records management, safety and health, succession planning, employee relations and retention,and labor relations.
• Manages human resources operations by overseeing recruitment, selection, orientation, training, coaching,counseling, and disciplining of staff; planning, monitoring, appraising, and reviewing staff job contributions, maintaining compensation, determining production, productivity, quality, and customer-service strategies, designing systems; accumulating resources; resolving problems; implementing change.
• Develops human resources operations budgets and financial strategies by estimating, forecasting, and anticipating requirements, trends, and variances; aligning monetary resources; developing action plans,measuring and analyzing results; initiating corrective actions; minimizing the impact of variances.
• Accomplishes special project results by identifying and clarifying issues and priorities; communicating and coordinating requirements; expediting fulfillment; evaluating milestone accomplishments; evaluating optional courses of action; changing assumptions and direction.
• Supports management by providing human resources advice, counsel, and decisions; analyzing information and applications.
• Guides management and employee actions by researching, developing, writing, and updating policies, procedures, methods, and guidelines; communicating and enforcing organization values.
• Complies with federal, state, and local legal requirements by studying existing and new legislation; anticipating legislation; enforcing adherence to requirements; advising management on needed actions.
• Updates job knowledge by participating in conferences and educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
• Enhances department and organization reputation by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments.
• Lead and support the development and implementation of HR policy across all units of the department, and areas of the organization including improving performance, maximizing attendance and providing effective management of change and development.
• Direct and work with the HR team to develop, co-ordinate, implement and audit all HR activity within the department and across the organization.
• Assists executive management in the annual review, preparation and administration of group’s salary productivity target.
• Works directly with department managers to assist them in carrying out their responsibilities on personnel matters.
• Participates on committees and special projects and seeks additional responsibilities.
• Maintain effective employee relations including participation, consultation and negotiation with representative bodies and ensure maintenance of productive working relationships with all colleagues.
• Ensure effective implementation of the disciplinary and grievance procedures for all employee groups.
• Effectively oversee all human resources activities, authorizations and approvals.
• Ensure smooth, seamless operations and coherence both intra and inter-departmentally
• Periodically receives and collates reports from all unit heads, and sends to management accordingly.
• Any other tasks as may be deemed necessary by management.
• Measuring and analyzing results; initiating corrective actions; minimizing the impact of variances.
• Accomplishes special project results by identifying and clarifying issues and priorities; communicating and coordinating requirements; expediting fulfillment; evaluating milestone accomplishments; evaluating optional courses of action; changing assumptions and direction.
• Supports management by providing human resources advice, counsel, and decisions; analyzing information and applications.
• Guides management and employee actions by researching, developing, writing, and updating policies, procedures, methods, and guidelines; communicating and enforcing organization values.
• Complies with federal, state, and local legal requirements by studying existing and new legislation; anticipating legislation; enforcing adherence to requirements; advising management on needed actions.
• Updates job knowledge by participating in conferences and educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
• Enhances department and organization reputation by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments.
• Lead and support the development and implementation of HR policy across all units of the department, and areas of the organization including improving performance, maximizing attendance and providing effective management of change and development.
• Direct and work with the HR team to develop, co-ordinate, implement and audit all HR activity within the department and across the organization.
• Assists executive management in the annual review, preparation and administration of group’s salary productivity target.
• Works directly with department managers to assist them in carrying out their responsibilities on personnel matters.
• Participates on committees and special projects and seeks additional responsibilities.
• Maintain effective employee relations including participation, consultation and negotiation with representative bodies and ensure maintenance of productive working relationships with all colleagues.
• Ensure effective implementation of the disciplinary and grievance procedures for all employee groups.
• Effectively oversee all human resources activities, authorizations and approvals.
• Ensure smooth, seamless operations and coherence both intra and inter-departmentally
• Periodically receives and collates reports from all unit heads, and sends to management accordingly.
• Any other tasks as may be deemed necessary by management.
• Processes planned and streamlined.
• Significant input and participation in the deployment of new policies.
• Turnover rate of high performers.
• Average time to achieve set goals.

Requirements

• A Bachelor’s Degree in Human Resources Management or any other related field.
• At least 7 years post-graduation experience, with cognitive experience in full-cycle HR experience
• 4 additional years of relevant experience may be substituted in lieu of degree.
• Excellent knowledge of MS Office, more importantly, Excel with an ability to analyze data.
• Recognized professional qualification (e.g. CIPD, CIPM, PHRi, SPHRi).