Lead Credit Modeller

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.

Role Summary

• We are looking for a senior Credit Modeller & Data Scientist to lead the development, validation, and improvement of credit risk models and data-driven decision systems.
• This role will support smarter underwriting, stronger portfolio monitoring, and better lending decisions through analytics, machine learning, and automation.

Key Responsibilities

• Develop and manage credit scoring models, including application, behavioural, and collections scorecards
• Build PD, LGD, and EAD models in line with IFRS 9 and regulatory standards
• Use machine learning and advanced analytics to improve lending decisions, fraud detection, and portfolio performance
• Monitor, validate, and recalibrate models using standard performance metrics
• Work with data, product, engineering, and credit teams to improve automated decision systems
• Analyze portfolio trends and provide insights for credit policy and risk strategy
• Lead and mentor a team of analysts and data scientists
• Present insights and recommendations to senior management and key stakeholders

Requirements

• Bachelor’s or Master’s degree in a relevant field
• 5–10+ years of experience in credit risk modelling or data science within banking, fintech, or microfinance
• Strong knowledge of statistical modelling, machine learning, and credit risk frameworks
• Proficiency in Python, R, SQL, SAS, or similar tools
• Experience with BI tools and model deployment platforms is an advantage
• This role is for someone who can combine strong technical modelling skills with business thinking and leadership. Please send your applications to:[email protected]

Method of Application
Interested and qualified candidates should send their Applications to: [email protected] using the Job Position as the subject of the email.