The Concept Group

Portfolio Risk Analyst

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The Concept Group is recruiting for Full time Portfolio Risk Analyst

Job Description

The Concept Group is a holding company for companies established in 1992. Subsidiaries under the Group include: Rosabon Financial Services - Nigeria’s Leading Equipment Leasing and Financial Intermediary Company, Concept Nova - Bespoke Enterprise Software Development Company, Percy Aitkins - Bureau De Change.

We are recruiting to fill the position below:

Job Title: Portfolio Risk Analyst


Job Description

  • Conducts detailed portfolio analysis and reports. The analysis a report on loan and lease portfolio to anticipate, identify and mitigate credit risk exposure related to portfolio management activities.

Key Accountabilities

  • Analyses transactional risk measures including default, 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 loan and lease portfolio
  • 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-asset value, 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


Job Requirements
Minimum years of experience


Other Requirements

Skills & Knowledge

  • Ability to review, analyse and report credit and risk activities and data in a way that is easily understood to make better decisions.
  • Ability to handle and work efficiently with Microsoft Office Suite, Google Suite and other statistical and analytical softwares or application especially Microsoft Excel and Powerpoint.
  • Ability to present and communicate analysis and recommendations to business leaders by supported facts.
  • 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.
  • 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 understand business trends, situations, practices, procedures and models
  • Ability to function within defined guidelines and procedures to resolve routine issues
  • Ability to measure financial data to evaluate financial performance and position

Educational Qualification & Experience

  • B.Sc/M.Sc in Economics, Accounting, Finance, Statistics, Mathematics or any other relevant discipline.
  • At least 1-2 years of relevant experience

Application Closing Date
31st December, 2018.

How to Apply
Interested and qualified candidates should send their CV to email with job role as the email subject

This job is no longer accepting applications.

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About The Concept Group
We are a holding company for three innovative and standard redefining subsidiaries: Rosabon Financial Services - Award winning bespoke finance company, Concept Nova - one of Nigeria's fastest-growing Information Technology service and Software Development companies, Percy Aitkins - Top notch Bureau De Change.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 it...
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Job Summary
November 16, 2018
Offer Type
Full time
Minimum of 1years
December 31, 2018
Risk Management / Compliance
Internet / Software
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