Portfolio Risk Analyst

Job Description

Company Overview
The Concept Group is a holding company established in 1992, with subsidiaries including Rosabon Financial Services, Nigeria’s leading financial intermediary and equipment leasing company; Concept Nova, a bespoke enterprise IT solutions provider; and Percy Aitkins, a Bureau De Change.

Job Title
Portfolio Risk Analyst

Location
Lagos

Employment Type
Full-Time

Job Purpose
The Portfolio Risk Analyst is responsible for examining and analyzing the company’s loan product activities to improve overall returns. This role involves conducting detailed portfolio analysis, identifying and mitigating credit risk exposure, and providing reports to senior management. The analyst will also oversee the credit collection unit, ensuring payments are tracked and analyzed to support informed decision-making.

Responsibilities

• Analyze transactional risk measures, including defaults, correlations, and stress losses.

• Estimate and validate risk parameters (PD, LGD, EAD/CCF) for internal credit risk management.

• Identify necessary adjustments to risk parameters.

• Monitor and analyze the company’s lease and loan portfolio by sector, product, and volume.

• Perform default/principal at risk assessments and measure guarantor/collateral impacts.

• Ensure compliance with company credit and risk policies.

• Prepare portfolio performance reports highlighting emerging trends and opportunities.

• Document details of repossessed lease assets, including principal outstanding and depreciation estimates.

• Conduct risk mitigation related to portfolio management activities.

• Provide reports on the probability of default using payment data such as direct debit and cheque lodgement.

• Recommend policy, process, and methodology improvements.

• Train the department on identified trends and findings.

• Oversee delinquent account collections, supervise field collections, and compile relevant reports.

Qualifications & Requirements

• Bachelor’s Degree in Accounting, Finance, or related field.

• Advanced degrees, certifications, or professional memberships are an added advantage.

• Minimum of 2 years’ experience in a similar role as a Portfolio Risk Analyst.

• Strong knowledge of industry laws and regulations.

• Excellent organizational and leadership skills.

• Ability to analyze financial data and evaluate performance.

• Strong communication and presentation skills.

Key Skills & Competencies

• Analytical and critical thinking ability.

• Attention to detail and accuracy.

• Strong problem-solving and decision-making skills.

• Ability to work under pressure and meet deadlines.

• Team leadership and training ability.