LEAD CREDIT MODELLER / DATA SCIENTIST AT THE CONCEPT GROUP | ICT JOBS IN LAGOS

About Company:

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.

Job Description:

We are seeking a mathematically elite and strategically rigorous Senior Credit Modeller & Data Scientist to anchor the quantitative immune system and algorithmic decision-engine of our organization. In a high-stakes financial landscape where institutional momentum is dictated by the velocity of the underwriting-cycle and the precision of the risk-filter success is defined by "Risk Sovereignty" the ability to harmonize complex IFRS 9-compliant modeling with the clinical precision required for Machine Learning integration, Portfolio Monitoring, and Automated Decision-System Architecture. This role is designed as an "Analytical Command Center" a critical mission for a seasoned risk-practitioner who can blend "Modeling Grit" (mastering the complexities of PD/LGD/EAD frameworks) with the "Strategic Agility" required to execute High-Fidelity Portfolio Insights.

Requirements:

1. Predictive Sovereignty & Modeling Architecture

• Sovereignty of the Scorecard: Design and manage application, behavioral, and collections scorecards, acting as the primary "Source of Underwriting Intelligence."

• Regulatory Architecture: Build and validate PD, LGD, and EAD models in alignment with IFRS 9 and regulatory standards, providing the "Structural Foundation" for capital adequacy.

• Integrity Stewardship: Monitor and recalibrate models using standard performance metrics (Gini, KS, PSI), ensuring the "Source of Predictive-Truth" is elite and uncompromised.

2. Algorithmic Governance & Portfolio Logic

• Risk Sovereignty: Leverage machine learning to enhance fraud detection and optimize portfolio performance, acting as the primary "Source of Algorithmic-Vigilance."

• Decision Architecture: Work with cross-functional teams (Product/Engineering) to implement automated decision systems, providing the "Functional Foundation" for real-time lending.

• Strategic Stewardship: Analyze portfolio trends and synthesize insights for executive leadership, maintaining the "Source of Policy-Driven Momentum."

3. Leadership Integrity & Performance Power

• Mentorship Sovereignty: Lead and mentor a team of analysts and data scientists, acting as the primary "Source of Quantitative Excellence."

• Process Architecture: Utilize Advanced Analytics/BI Toolkits to visualize data and deploy models, providing the "Relational Foundation" for board-level reporting.

• Velocity Logic: Utilize Predictive-Modeling expertise to accelerate the "Credit-Risk-Insight-to-Action" cycle, maximizing the "Source of Portfolio-Growth Momentum."

Qualifications and Skills:

Professional Profile

• Education: Bachelor’s or Master’s Degree in a relevant quantitative field (Statistics, Mathematics, Economics, Computer Science).

• Experience: 5–10+ years of hands-on experience in credit risk modeling or data science within banking, fintech, or microfinance.

• Technical Power: Proficiency in Python, R, SQL, SAS, or similar statistical languages; experience with model deployment and BI tools.

• Aptitude: Exceptional ability to translate complex data into business-relevant strategy; leadership capacity to mentor cross-functional teams.

• Mindset: Proactive, commercially aware, and ready to maintain "Risk Sovereignty" in a fast-paced, regulated environment.

Core Competencies

• Quantitative Grit: Ability to identify, isolate, and resolve model-drift or data-quality bottlenecks in real-time.

• Risk Sovereignty: Mastery of the "Data-Model-Validate-Deploy-Monitor" lifecycle.

• Execution Power: High-discipline approach to regulatory documentation, stakeholder communication, and the rigorous maintenance of model-performance benchmarks.

Salary

Application Closing Date: Not specified

Application Instructions:

Interested and qualified candidates should send their Applications to: jayne.badmus@conceptgroup-ng.com using the Job Position as the subject of the email.