Rosabon Financial Services Limited, is a member of the Concept Group. Licensed by the Central Bank of Nigeria, CBN on April 22, 1993 and being a long standing member of the Equipment Leasing Association of Nigeria (ELAN), the organization has evolved into Nigeria’s leading Non-Banking Financial Intermediary and Equipment Leasing firm focused on niche and general markets.
We are recruiting to fill the position below:
Job Title: Loan Recovery Officer
Locations: Abuja (FCT) & Port Harcourt, Rivers
Employment Type: Full-time
Duties & Responsibilities
- Monitor the assigned accounts to ensure repayment and report on the status of each of the assigned accounts.
- Develop new plans to recover and collect owed money/outstanding debt.
- Ensure that any discrepancies with customer information are promptly resolved.
- Consistently and periodically update the database with customer information like new addresses, names, payback information.
- Utillize various tracing techniques and strategies to collect personal information of customers with outstanding debts.
- Negotiate extended payment plans and the best course of action for customers seeking to avoid further debts.
- In order to curb customer delinquency, the incumbent will be required to convince the customers to get back on their repayment schedule.
- They may also need to negotiate new payment schedules that can suit clients’ financial situations while satisfying the debt.
- Recovery Agents will be the staff responsible for going out to collect funds.
- They will employ the standard collections script and procedures.
Job Title: Wealth Manager – Deposit Mobilization (Liability Asset)
Locations: Abuja (FCT), Lagos and Rivers
Employment Type: Contract
Description
- Source appropriately priced and structured deposit liabilities for the company from retail and institutional sources.
- Visit, engage prospects and maintain liability generated.
- Marketing and sale of all company deposit products.
- Meet, maintain and exceed assigned targets and quota in deposit mobilization and other assigned tasks.
- Propose services, up-selling and cross-selling whenever possible.
- Participate in creating new and better marketing based on field experience.
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.
- 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.
Job Title: Lead Recovery Officer
Location: Lagos
Employment Type: Full-time
Job Summary
- The role involves overseeing delinquent account and loan recovery, developing strategies to reduce losses, negotiating repayment plans, collaborating with stakeholders, ensuring compliance with debt collection laws, analyzing data, and providing recovery optimization recommendations.
Duties & Responsibilities
- Team Leadership: You will be responsible for leading a team of recovery personnel and providing guidance and support to ensure efficient and effective debt recovery. This includes assigning tasks, monitoring progress, and providing feedback and coaching to team members.
- Debt Recovery Strategy: You will develop and implement strategies and processes to recover outstanding debts, in line with the organization’s policies and legal requirements.
- This may involve reviewing delinquent accounts, assessing the financial situation of debtors, and determining appropriate recovery actions.
- Negotiation and Communication: You will interact with debtors, either directly or through your team, to negotiate payment plans or settlements. Effective communication skills are crucial in handling sensitive situations, resolving disputes, and maintaining a professional and ethical approach throughout the recovery process.
- Documentation and Record-Keeping: Accurate and organized record-keeping is essential in this role.
- You will ensure that all relevant information, correspondence, and legal documentation pertaining to debt recovery are properly maintained and updated.
- Compliance and Legal Considerations: As a Lead recovery personnel, you need to have a thorough understanding of relevant laws, regulations, and compliance requirements related to debt collection. It is your responsibility to ensure that all recovery activities are conducted within legal boundaries and adhere to industry standards.
- Performance Monitoring and Reporting: You will monitor the performance of the recovery team, track key metrics such as recovery rates and collection efficiency, and provide regular reports to management. Analyzing data and identifying trends can help improve recovery strategies and optimize overall performance.
- Relationship Management: Building and maintaining positive relationships with internal stakeholders, such as legal departments, customer service teams, and management, is crucial. Collaboration with these teams can help streamline processes, address challenges, and enhance overall debt recovery efforts.
- Continuous Improvement: As a Lead recovery personnel, you should constantly seek opportunities to improve processes, enhance efficiency, and optimize the recovery function. Staying updated on industry best practices, attending relevant training programs, and implementing innovative techniques can contribute to better outcomes.
Qualifications / Requirements
- Bachelor’s Degree, HND or equivalent in Social Sciences, Sciences or related field of study
- 7 – 10 years experience in similar position
- Proven track record of successfully managing a recovery team.
Job Title: Underwriting Executive
Locations: Port Harcourt – River and Lagos
Employment Type: Full-time
Job Summary
- The Underwriting Executive must be able to Underwrite the creditworthiness of customers in other to mitigate the overall risk of the company.
Duties & Responsibilities
- Reviewing and analyzing the creditworthiness of all potential customers based on risk criteria.
- To evaluate all quantitative details in the applications with a view to making objective decisions based on empirical facts from the financial information evaluated.
- Reviewing applications for credit facilities with a view to point out deviations from the company’s credit policy and highlight quality assurance issues in credit proposals received from business areas.
- Performing various departmental functions including loan covenant monitoring, risk rating, audit preparation and recovery as assigned by HOD.
- Ensure Credits requiring amendments are communicated to the business areas to amend as appropriate.
- To evaluate all quantitative details in the applications with a view to making objective decisions based on empirical facts from the financial information evaluated.
- To communicate to the business areas the credit corners and the quality assurance issues for responses/resolutions.
- Ensuring that all credit approvals, KYC are in place documentation is duly executed, and that the company’s interest is well protected.
- Conducting credit search (CRS & CRC Report) on credit bureau database.
- Conducting Email Verification & preparing Transaction Consummation Reports.
- Reviewing transactions for final checklist and approval.
Requirements
Qualification and Experience
- Intereted candidates should possess a Bachelor’s Degree with at least 3 years Experience.
Job Knowledge:
- Must be abreast with the current reporting standard.
- Ability to interpret financial statements.
Skills / Competencies:
- Must be analytical.
- Must be technologically savvy
- Sound knowledge of Excel.
- High level of meticulousness is needed.
Job Title: Head, Risk Strategy and Portfolio
Location: Yaba, Lagos
Employment Type: Full-time
Job Summary
- The ability to manipulate large amounts of data, extract key insights from the data using statistical concepts, for clear and concise communication into actionable recommendations gathered from your insights.
- The role requires you to manage projects at various stages from hypothesis generation to development and implementation, including being responsible for project management plans and timelines.
- You will be expected to provide leadership at the concept and process level to guide projects and initiatives to completion.
Duties and Responsibilities
Lead, Credit Strategy & Portfolio:
- Lead projects and initiatives in identifying new client’s segmentation opportunities and strategies
- Perform complex qualitative and quantitative analysis of credit polices to pursue specific financial and credit goals
- Develop complete business cases for new opportunities, inclusive of financial modeling and forecasts
- Develop or contribute to the development of complex predictive analytical models (risk, loss, decision)
- Evaluate new risk products (data-only or data-driven solutions) offered by external vendors or partners
- Drive enhancements to credit decision process and policies
- Build successful and scalable strategies for variety of loan and leases
- Perform trend, regression analysis and key metric forecasting
- Manipulation of large data to extract key insights using statistical concepts
- Clear and concise communication of key insights into actionable recommendations
- Management of projects at various stages from conception to execution
- Ensure projects are in line with management plans and timelines
- Provision of leadership to the strategic and data analysis team
- Any other assigned task following business needs in the strategy and portfolio unit
Qualifications / Requirements
- Master’s Degree in Finance, Economics, Mathematics, Industrial Engineering, Statistics or related degree
- 6+ years of quantitative analytic modeling experience or comparable process management experience
- 4+ years of Credit or Collections risk management experience, preferably with a non-bank financial sector
- Advanced skills in Excel, Word, PowerPoint, required.
- Superior communication, organization and presentation skills desired
- Project Management experience preferred
- Experience with credit risk decision engine software and platform solutions.
Application Closing Date
Not Specified.
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.
