Recruitment at Concept Group

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

We are recruiting to fill the position below:

Job Title: Portfolio Risk Analyst

Location: Nigeria
Employment Type: Full-time

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.

Application Closing Date
1st October, 2025.

Method of Application
Interested and qualified candidates should send their CV to: careers@conceptgroup-ng.com using the Job Title as the subject of the email.

Job Title: Brokers Sales Executive

Location: Nigeria
Employment Type: Full-time

Job Summary

• The Brokers Sales executive uses the customer service and marketing functions to nurture leads through the sales funnel, from the addition of leads on the portal down through purchase (and repeat purchases).
• Brokers use various methods to reach clients, including email, phone, social media, direct mail, and even the old-fashioned door-to-door tactic.
• Brokers’ sales executives manage, support, and communicate with clients to ensure all leads are effectively managed and their transactions are successfully consummated.
• They are expected to follow up solely with all leads transferred to them, work on all the stages following the set policy and procedures, and ensure all transactions are successfully consummated.
• They communicate all issues encountered during processing stage and feedback from client to the Head Brokers admin for swift resolution.

Duties & Responsibilities

• Acquisition and retention of brokers and clients through offline marketing
• Aggressively following up with all leads referred by brokers and ensuring successful closure of fall leads
• Handles B2B and B2C leads assigned, following all set procedures and ensuring the transaction is successfully consummated.
• Handle client’s inquiries via phone calls,emails, live chats, and social media channels.
• Resolve client issues or problems by clarifying the complaint, determining the cause of the problem, and selecting and explaining the best solution to solve the problem. accelerating correction or adjustment; following up to ensure resolution.
• Acquisition of brokers through referral methods from both existing and potential clients.
• Effectively cross-market Rosabon’s products to existing and potential clients when the need arises.
• Sourcing for optimal leads can refer customers to do business with us.
• Identify and assess clients needs. to achieve satisfaction
• Managing, supporting, and communicating clients satisfaction levels with regard to Rosabon Financial Services Brokers Products
• Engage clients at the beginning of their subscription; ensure successful take-up and management of fall incidents throughout their transaction phase, from which there might be a risk of dissatisfaction.
• Communicate detailed reports on clients requests and feedback to aid strategic and management decisions.
• Sending status and summary report of the broker’s admin for update on the broker’s portal on a weekly basis
• Any other task as assigned by the line manager

Qualifications / Requirements

• Previous experience working in a similar role
• BSc in marketing or any related field of study.

Skills / Competencies:

• Excellent communication skills
• Good negotiation/Sales skills
• Core Competencies in the Use of Microsoft Tools
• Great Interpersonal and Relationship skills

Salary
N120,000 – N170,000 Monthly.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should send their applications to: sales.careers@conceptgroup-ng.com using the Job Title as the subject of the email.

Job Title: Head, Human Resources

Location: Nigeria
Employment Type: Full-time

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).

Salary
N700,000 / Month.

Application Closing Date
Not Specified.

Method of Application
Interested and qualified candidates should send their CV to: careers@conceptgroup-ng.com using the Job Title as the subject of the email.