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: Data / Potfolio Risk Analyst

Location: Yaba, Lagos
Employment Type: Full-time

Role Summary

• We’re looking for a Portfolio Risk Analyst who combines strong data analysis skills with hands-on portfolio and credit risk experience.
• You’ll monitor, analyze, and improve our loan and lease portfolios, identify credit risks, track trends, strengthen collections, and deliver clear, data-backed insights that drive smarter decisions and reduce losses.

Key Responsibilities

• Analyze loan and lease portfolios using data-driven methods to identify risk, trends, and opportunities.
• Monitor key credit risk metrics (PD, LGD, EAD) and recommend portfolio adjustments.
• Track defaults, concentration risk, and stress losses to inform risk strategies.
• Build, maintain, and deliver high-quality dashboards and reports for management.
• Ensure compliance with credit and risk policies.
• Collaborate with and oversee collections teams to optimize debt recovery processes.
• Provide actionable insights that improve credit quality, portfolio performance, and decision-making.
• Train team members on emerging risk trends, data tools, and best practices.

Key Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Data Science, or a related field.
• 5+ years experience in portfolio risk, credit risk, or collections, with strong data analysis background.
• Expertise in credit risk management, portfolio analytics, and loan performance monitoring.
• Advanced Excel skills; experience with data visualization tools (Power BI, Tableau) is a plus.
• Proven ability to combine analytical insights with practical risk management actions.
• Experience supervising or collaborating closely with collections teams.
• Strong analytical thinking, problem-solving, communication, and decision-making skills.

Core Skills:

• Risk Management
• Portfolio Management
• Credit Risk Analysis
• Data Analysis / Reporting
• Collections & Debt Recovery

What Success Looks Like:

• Portfolio risk exposure reduced and performance improved.
• Accurate, timely, and actionable data-driven risk reports.
• Optimized collections outcomes and stronger compliance.
• Insights that management can confidently act on to improve credit quality.

Salary
N3,500,000 – N4,000,000 annually.

Application Closing Date
6th February, 2026.