Job Opportunities at Concept Group

Job Summary

• The Underwriting Analyst will maintain the credit quality and the credit analyses strategies, processes and policies of the company, as well as the flow of operations within the unit.
• Work with the performance management and business operations teams in designing the right structure, flow and proper execution of identified processes and policies. Monitor these flows and operations to ensure optimality, adherence and compliance.

Duties & Responsibilities

• Help manage daily workflows to increase understanding of processes and pain points
• Work closely with our Operations and Underwriting teams to identify process improvement opportunities
• Utilize analytics to monitor process performance and support policy change
• Identify and resolve gaps in current operational processes and policies to mitigate operational errors
• Identify the key levers that have the greatest impact on operational efficiencies
• Maximize efficiency in an environment where the process is fluid and creative solutions are expected
• Build strong relationships with Disputes, Recovery, Fraud, Customer Support, and Account Management teams to maximize success
• Constantly ensure a balance between profitability and growth for the organization.
• Ensure and maintain a well and clearly defined business structure for proper decision making.

Requirements

• B.Sc in Finance, Accounting or any relevant field.
• Minimum of 2 years and above experience with a financial background.
• A knack for figures and passionate about analysis and process optimization.
• In-depth knowledge of IFRS principles and changes.
• Ability to effectively lead and direct a team and drive developed strategies.

go to method of application »

Job Summary

• The Underwriting Policies and Process Strategist will carefully monitor the underwriting unit and constantly define necessary policies and process optimization for effective performance.
• Translating and communicating high-level directions for ‘front line’ underwriters, i.e., underwriters assessing risks on individual accounts, to follow.
• This opportunity is also responsible for effectively guiding every single intermediary step and decision in the underwriting process, resulting ultimately, to a perfectly executed underwriting strategy.

Duties & Responsibilities

• Articulate, design and implement highly effective underwriting processes and translate same into actionable pieces of information that can be leveraged on by the underwriters
• Develop strategies to determine loan risk and customer behavioral trend.
• Partner with business units and other stakeholders to develop credit strategies to meet business goals
• Monitor the existing policies and develop new ones to ensure that the portfolio quality is within expectations while enabling business growth.
• Ensure optimal performance of all automated processes, review same periodically and recommend launches, improvements and changes when necessary.
• Keep abreast of latest analytical tools and techniques and use them to develop strategies
• Develop strong analysis framework that will guide underwriting process.
• Ability to detect and understand competitive differentiators that makes the difference from other processes.
• Ability to build and develop processes that can align the goal and focus of the business.
• Act as gatekeepers to ensure adequately priced and fairly selected exposures are entering the company’s books.
• Monitor competition’s contracts and strategies and with it, ensure adequate benchmarks in line with the company’s risk appetite.
• Assist the sales department to understand how and why certain product features and customers help or hinder risk mitigation and may influence the books.
• Liaise with the product department to analyze all products and product features, and consequently, design an effective strategy around first level analyses before disbursement.
• In this role, you will be responsible for documenting, monitoring, and improving our end-to-end process to manage chargeback risk.
• Develop strategies that can enable risk control.
• Demonstrate a high degree of empathy for the business and customers, and bring creativity and structured thinking towards our processes and procedures.

Requirements

• B.Sc. in Finance, Accounting or any relevant field.
• Have 2+ years of experience managing credit for unsecured lending portfolios
• Highly analytical and love to analyze data to generate information
• Excellent communicator with ability to present and explain your strategies to multiple internal stakeholders
• In-depth knowledge of IFRS principles and changes.
• High proficiency level in excel.
• Ability to effectively lead and direct a team and drive developed strategies

go to method of application »

Details

• The lease executive will build and preserve trusting relationships with our clients to get quality risk assets being Corporate Loans, operating and finance leases. We’ll rely on you to find ways to outperform our competition and maintain our company’s positive image.
• Ultimately, you’ll maintain strong relationships with the company’s clients to boost our brand and profits.

Job Description / Responsibilities

• Generate High-Quality Risk Assets
• Identify key staff in client companies to cultivate profitable relationships
• Resolve clients complaints quickly and effectively
• Understand clients’ needs and develop plans to address them
• Promote excellent customer service.
• Aim to preserve customers and renew contracts
• Approach potential clients to establish relationships
• Gain solid knowledge of competitors to build new profitable products
• Building positive relationships with customers
• Identifying opportunities for greater profits
• Intuitive to customers’ needs
• Strategic thinker and ability to analyze and solve problems quickly
• Attentive to detail and organized
• Must be self-motivated, flexible, and able to manage other assigned tasks
• Prepare reports as at when due or assigned.
• Other activities assigned by the head of the unit for better team productivity.

Skills / Competencies / Requirements

• B.Sc / BA in Business Administration or similar field
• A minimum of 4 years work experience.
• Proven experience in Sales and Business Development
• Knowledge of customer management practice
• Experience in Risk Assets creation
• Experience in leasing
• Problem-solving attitude
• Excellent communication skills
• Aptitude for fostering positive relationships
• Teamwork and good work ethics.

go to method of application »

Job Summary

• The Underwriting Fraud Analyst will largely be responsible for monitoring, avoiding and mitigating risk to ensure that the organization is not exposed to fraud.

Duties & Responsibilities

• Interacts with members as needed who are reporting fraudulent activity.
• Reviews suspicious accounts for potential fraud.
• Reviews suspicious documentation submitted for both new transactions and loans.
• Review and Process all consumer statements on credit bureaus.
• Assist the Compliance department in compiling relevant information and narrative to make the determination if needed.
• Analyzes and conducts investigations of potentially fraudulent activity, to ensure minimal loss to the organization.
• Coordinates cross-functional communication, to resolve fraud situations and provides recommendations to resolve fraud.
• Collaborates with the internal audit department to monitor the underwriting activities, prevent and mitigate risks and potential losses.
• Maintains the fraud analytics database, tracks fraud trends and statuses of various types of fraud.
• Periodically train and educate the underwriting team to identify and respond to potential fraud trends and situations.
• Develop, build and prioritize risk into classes
• Compiles various reports for management, to update the status of current investigations, and necessary actions needed to either mitigate.
• Develops, maintains, and implements policies/procedures to detect and prevent fraudulent activity.
• Assists the internal audit and compliance analyst in investigating suspicious activity on account.

Requirements

• B.Sc in Finance, Accounting or any relevant field.
• Minimum of 2 years relevant experience, preferably in the financial sector
• Certified fraud/risk expert
• In-depth knowledge of IFRS principles and changes.
• Ability to effectively lead and direct a team and drive developed strategies.

go to method of application »

Job Summary

• The Telesales Executive is solely responsible for outbound calls to clients either assigned or personally acquired aiming at surpassing given sales target and to ensure proper documentation of all calls and sales delivery.

Major Responsibilities

• Promote and sell company Asset Creation (Loans/Lease) products to both individuals and corporates via telephones; cold calls.
• Follow-up on potential sales leads for the organization.
• Follow up with existing clients and sustain long-term business relationships.
• Understand customer needs and offer solutions and support.
• Answer customers’ enquiries and provide correct answers; creating positive customer experience.
• Meet and exceed sales goals.

Qualifications / Requirements

• Relevant Bachelor's Degree or it's equivalent.
• Minimum of one-year relevant telesales experience.
• General awareness of services offered by the non-banking financial industry.
• Impressive sales capability.
• Exceptional verbal and written communication skills.
• Exceptional customer care focus.
• Proficiency in Microsoft Office Suite.
• Goal-orientation and self-starter.
• Ability to multitask and manage time efficiently.
• Analytical and Strategic thinking.

go to method of application »

Responsibilities

• Source appropriately priced and structured deposit liabilities for the company from retail and institutional sources.
• Meet, maintain and exceed set targets
• Cultivate new clientele on a regular basis.
• Cultivate and maintain courteous and efficient relationships with clients.
• Timely response to feedback and other customer-related issues or requests.
• Participate in creating new and better marketing based on field experience.
• Visit, engage prospects and maintain liability generated
• Propose services, up-selling and cross-selling whenever possible
• Recruit, train and build sales teams across the country
• Increase the number of Treasury services taken up by Clients
• Ensure the effective, high-quality management of Clients
• Conduct periodic competitor analysis, reviewing product rates and requirements
• Prepare and send a periodic report to management
• On-board and manage subordinates to maintain a consistently high number of prospects, and with a high conversion rate
• Evaluate the structure, negotiate, and close new transactions, portfolio restructurings, rescheduling, capital increases, equity sales, etc.

Requirements

• Minimum education level - First Degree in any discipline from a reputable academic institution. Post-graduate qualification(s) and professional membership will be an added advantage.
• 5+ years of experience in sales and business development. Experience in a financial institution is a MUST
• Demonstrated track record of meeting / exceeding targets as an individual contributor.
• Successful experience building a territory from little or nothing.
• Working knowledge of deal structuring and closing principals.
• Strong communication and networking skills.

go to method of application »

Responsibilities

• Source appropriately priced and structured deposit liabilities for the company from retail and institutional sources.
• Meet, maintain and exceed set targets
• Cultivate new clientele on a regular basis.
• Cultivate and maintain courteous and efficient relationships with clients.
• Timely response to feedback and other customer-related issues or requests.
• Participate in creating new and better marketing based on field experience.
• Visit, engage prospects and maintain liability generated
• Propose services, up-selling and cross-selling whenever possible
• Recruit, train and build sales teams across the country
• Increase number of Treasury services taken up by Clients
• Ensure the effective, high-quality management of Clients
• Conduct periodic competitor analysis, reviewing product rates and requirements
• Prepare and send a periodic reportto management
• On-board and manage subordinates to maintain a consistently high number of prospects, and with a high conversion rate

Qualifications

• Minimum education level - First Degree in any discipline from a reputable academic institution. Post-graduate qualification(s) and professional membership will be an added advantage.
• 5+ years of experience in sales and business development. Experience in a financial institution is an added advantage
• Demonstrated track record of meeting / exceeding targets as an individual contributor.
• Successful experience building a territory from little or nothing.

go to method of application »

Duties and Responsibilities

• Prepare monthly/annual financial statements for the company.
• Ensure monthly and timely reconciliation of all ledger account.
• Prepare financial statements, segmental reports for each Strategic Business Unit (SBU) and provide trend analytical performance dashboards of the business units for the Management and Board planning and decision-making processes.
• Provide explainers to variances in the monthly business performance reports.
• Review of Fixed Assets Register.
• Interphase with all departments and SBUs for the purpose of financial reporting and analysis.
• Ensure timely preparation of and submission of all internal and external financial reports and any other report so demanded by the management.
• Review of all manual and system journals for the purpose of analysis and reporting.
• Call up any financial related postings in the accounting system for further review and explanations.
• Interphase with external auditors on review of prepared Financial Statements.
• Work with other units in finance such as Treasury, risk management, admin and legal for the purpose of timely financial reporting.
• Provide supports on annual strategic planning and budgeting
• Provides support on payables, tax and other accounting services for the smooth running of the finance department.
• Implement and monitor internal controls on general financial and reporting activities;

Requirements

• Have a degree in Accounting.
• 2 - 4 years work experience.
• Professional membership such as ACA or ACCA or master’s degree in accounting or business-related field will be an advantage.
• Possess working experience across Financial management, reporting and analysis, Budgeting and planning, Strategic Business Review with the application of IFRS.
• Be experienced in Accounts payable, receivables and bank reconciliation, fixed assets management.
• Possess interpersonal and good leadership abilities.
• Be able to liaise with external auditors, tax consultants and other service providers

.

go to method of application »

Job Description

• Monthly Customer follow up. Send reminders of settlement arrangement and pending payments before they are due.
• Emailing, calling, and negotiating with the delinquent customers or our clients via outbound/inbound phone calls for payments of overdue debt.
• The Tele-collections officer will speak to customers to negotiate payment plans and payment schedules that suit their current financial situation while still satisfying the debt.
• Ensure that all attempts to collect outstanding debt accounts are pursued with the highest levels of urgency. And outstanding debts targets are met.
• Provide feedback to management concerning possible problems or areas for improvement. Make recommendations to implement improved processes. Reports should be 100% accurate and submitted as at when due.

Requirements / Skills / Competencies

• Candidates should possess a Bachelor's Degree qualification.
• Minimum of 2 years work experience.
• Negotiation and Persuasion skills.
• Attention to details.
• Excel Data entry and basic math skills.

go to method of application »

Duties & Responsibilities

• Must be good with strategic planning for effective results.
• Overseeing the overall activities of the sales team.
• Coordinates monthly, quarterly and annual sales plans for the team.
• Monitoring and identifying key strengths of each team member and assign tasks accordingly.
• Motivating the sales team and creating an atmosphere for healthy competition.
• Providing the sales team with constructive feedback and help with solving and meeting client needs.
• Writing reports and presenting to management for decision-making.
• Must be able to train and educate the team on best sales practices.
• Oversee day to day operations of the team.
• Discovering training needs and providing coaching.
• Supervise essential key account possibilities.

Qualifications / Requirements

• A Bachelor’s Degree in Marketing, Sales or any related field.
• 6 years progressive experience in sales is required with proven work experience as a team leader.
• Must be enthusiastic about Technology with respect to the Internet of Things (IoT)

go to method of application »

Responsibilities

• Objectively review the organization's business processes
• Evaluate the efficacy of risk management processes in place.
• Make recommendations on how to improve internal controls. Identify loopholes and recommend risk-mitigating measures.
• Review of petty cash.
• Protect against fraud and theft of the organization's assets.
• Call-over of postings by the collections team to assess correctness, promptness and completeness.
• Call-over of ledger postings by the Accounts department to ensure correctness and adherence to accounting principles and guidelines.
• Periodic risk assessment of internal processes in order to identify loopholes and proffering appropriate solutions.
• Conduct investigations into identified and reported cases as required.
• Ensure and monitor compliance with internal and regulatory policies.
• Anticipate emerging risks through data and regular assessments.
• Other relevant roles as ordered by the Head of the department and senior officers in the department.
• Carry out internal control tasks as assigned by the manager.

Qualification  / Requirement

• University Degree in Accounting or Finance.
• Proven work experience as Internal Auditor/control officer.
• Advanced computer skills on MS Office, accounting software and databases
• ICAN/ACCA certification (or in view).

go to method of application »

Responsibilities

• Maintaining contractual records.
• Contract drafting, evaluation, negotiation, and execution
• Developing and implementing procedures and policies.
• Writing, evaluating, negotiating and executing various contracts covering a range of transactions.
• Creating and maintaining relationships with suppliers and customers.
• Maintaining correspondence and documentation related to contracts.
• Communicating and presenting information to stakeholders regarding contracts.
• Monitoring contracts and moving forward with close-out, extension or renewal of contracts.
• Problem-solving contract-related issues.

Job Requirements

• B.Sc in Business Management or other Management Science courses
• A minimum of 2 years progressive experience in Contractor Management

Skills Requirements:

• Exceptional organizational skills.
• Great creative, visionary, and critical thinking skills.
• Strong Analytical, communication & strategic thinking skills.
• Strong organization and follow up skills.

go to method of application »

Duties & Responsibilities

• Provide research on new technology-based products and solutions to meet the company’s strategy for new products and solutions
• Provide research on possible upgrades to meet the company’s strategy for existing products and solutions, including but not limited to Concept Nova's fleet management, remote monitoring and telematics systems/solutions
• Prepare completion reports, test reports, field inspection reports, reports/documentation of problems solved, etc.
• Analyse and understand the positioning of the product, service or process.
• Benchmark and test competitive products to gain relevant information that can be applied to the product specifications
• Research “all” possible solution approaches, and design & develop the most feasible option based on cost-effectiveness and functionality.
• Field service activities including preliminary/feasibility inspections and deployment/integration/execution.
• Provide solutions to technical issues with an existing product, the addition of newly supported features, integration of client-specific requirements and expansion of functionalities via new settings and configurations.
• Source for existing products online (and offline) suitable as an off- the shelf solution/product or as partfor a larger solution or as a customisable part for our specific needs
• Evaluation, testing and experimentation of potential product samples and subsequent bulk procurement/order placement.
• Attend Technical sales presentations with the marketing team and provide support when required

Job Description

• Offer support to the Implementation Unit.
• Provide necessary support to the Recovery and Control unit
• Work with Software team during solution integration and development and provide the necessary support

Qualifications / Requirements

• Bachelor's Degree in Electrical/Electronic Engineering
• Relevant knowledge of embedded systems and electronic circuits
• IoT and Control systems enthusiast
• Experience with a microcontroller or PLC systems
• Ability to carry out data analysis
• Solid troubleshooting skills and the ability to diagnose and solve difficult problems
• Direct experience with Python, C, or C++
• Desire to work in a fast-paced environment
• Desire to develop a deep understanding of the business and end-user needs
• Ability to resolve complex issues in creative, efficient, and effective ways
• Ability to interpret wiring diagrams
• Ability to work independently and pro-actively.
• Excellent written and oral communication skills
• Bonus: Knowledge of SQL

Job Knowledge:

• Knowledge of Remote Terminal Units
• Knowledge of Electrical/Electronic
• Circuits
• Knowledge of Electronic Sensors
• Knowledge of Electronic/Electrical
• systems
• Knowledge of Microcontroller and
• Microprocessor-based designs
• Skills/Competencies
• Sensor technology
• Python, C or C++
• Microsoft Office Suite
• G-Suite
• Problem Solving
• Hardware configuration and diagnosis
• Knowledge of SQL

go to method of application »

Job Description

• Ensure collection of outstanding payments from customers.
• Recovering bad debts from delinquent debtors
• Resolving disputes with customers, ensuring that concerns are resolved correctly.
• Clarify potential consequences of not paying such as sales of collateral process.
• Manage customers who are resistant by remaining polite, tactful, firm and honest.
• Complete any administrative task as required for the efficient running of the team's activities.
• Always deliver a consistent and professional level of service.
• Devising customized recovery strategy on a case-by-case basis.
• Reducing the non-performing loans owed to the Bank.
• Following up with clients on previous payment arrangements.
• Locating and establishing contact with debtors.
• Taking ownership of debt collection cases.

Job Requirements

• B.Sc. in any Management Course.
• A minimum of 3 years of progressive experience as a Recovery Officer.
• Exceptional organizational skills.
• Excellent numeracy savvy.
• Great creative, visionary, and critical thinking skills.