Portfolio Risk Analyst at the Concept Group

Accounting / Finance
Lagos State
January 6, 2026
Full Time

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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 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: Yaba, Lagos
Employment Type: Full-time
Reports To: Head, Credit & Risk Management
Team Supervised: Collection Officers

Role Summary

  • We’re looking for a Portfolio Risk Analyst to monitor, analyze, and improve the performance of our loan and lease portfolios. This role focuses on identifying credit risk, tracking trends, strengthening collections, and providing clear, data-backed insights to management to improve returns and reduce losses.

Key Responsibilities

  • Analyze loan and lease portfolios to identify risk, trends, and opportunities
  • Monitor key risk metrics (PD, LGD, EAD) and recommend adjustments
  • Track defaults, concentration risk, and stress losses
  • Prepare regular portfolio performance and risk reports for management
  • Monitor compliance with credit and risk policies
  • Oversee the collections team and improve debt recovery processes
  • Provide insights and recommendations to improve credit quality and processes
  • Train team members on risk trends and best practices.

What Success Looks Like

  • Improved portfolio performance and reduced risk exposure
  • Clear, accurate, and timely risk reports
  • Stronger debt collection outcomes
  • Better compliance with credit policies
  • Actionable insights that management can actually use.

Key Requirements

  • Bachelor’s degree in Finance, Accounting, or a related field with a minimum of 5 years’ experience in portfolio risk, credit risk, or collections (financial services preferred)
  • Strong understanding of credit risk management and loan portfolios
  • Advanced Excel skills and strong reporting ability
  • Experience supervising or working closely with collections teams
  • Strong analytical, communication, and decision-making skills.

Salary Budget
N380,000 / Month.

Application Closing Date
30th January, 2026.

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

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