Portfolio Performance Analyst in Bolton

Perch Group are looking for a Portfolio Performance Analyst. At Perch Group, our vision is clear: to lead the UK debt purchase and collection industry by harnessing cutting-edge technology to drive ethical, efficient, and data-driven debt resolution. Our annual mission is to empower hundreds of thousands of customers to positively engage with and resolve their outstanding debts. We do this through an empathetic and customer-centric approach that is at the heart of our success.

The Portfolio Performance Analyst role is a brand-new position within the Investment function and will be primarily responsible for conducting analysis, developing analytical tools, KPI’s and dashboards to audit and monitor all portfolio acquisitions made by the business as they progress through Perch Capital’s complex onboarding and collections processes, to ultimately drive portfolio performance.

The candidate will support the Portfolio Performance Manager in identifying the root cause for any inefficiencies, providing insights across each of:

• Gross collections
• Cost optimisation
• Customer journeys

A key part of this role will be interacting with the Pricing, Decision Science, Finance, Analytics, Implementation & Operational departments within the business to collectively act on these findings.

We are looking for a highly analytical, commercially minded and self-motivated individual - someone who can translate insight into impact, with the ability to conduct root cause analysis and is articulate and confident in communicating with colleagues at every level of the business, including senior members and stakeholders. This is a new role that will report directly into the Portfolio Performance Manager.

So, what will your day-to-day look like?

• Building analytical tools, developing dashboards and interacting with natural language AI tools, to query, track and monitor Perch Capital’s onboarding journey and strategies, across a range of KPI’s and SLA’s, both in aggregate across all portfolios acquired and tailored analysis for specific, strategic clients and cohorts of acquired debts (such as ‘Paying’ accounts), vs modelling assumptions.
• Conduct investigative in-depth analysis and ‘hand-holding’ of key strategic portfolios from a performance perspective, reviewing Perch’s systems and processes, tracking the flow of accounts through strategies, down to an account level if required, in order to quickly identify the root cause of any discrepancies in performance and feeding this information back to key stakeholders.
• Supporting the Portfolio Performance Manager in the running and managing of a number of key internal stakeholder meetings, where portfolio performance is discussed and early warning signs are raised, to be supported by analysis and MI, spanning a range of key milestones in the collections journey.
• Working with Pricing, Decision Science, Finance and Analytics to identify and target any emerging trends of divergence vs underwriting and/or ERC assumptions, followed by granular deep dives into Perch processes to establish if root cause is driven by any operational or system failure or inefficiency and feeding back insights to improve alignment across the business and improve future forecasting accuracy.

Does this sound like you?

• Strong academic background within a quantitative discipline, e.g. STEM fields(s), Economics, Finance.
• Up to 2 years’ relevant work experience of demonstrable experience in analysis within financial services (exposure to debt purchasing and/or credit related sectors is desirable).
• Proven ability to manage multiple high value workstreams in parallel, delivering to tight deadlines.
• Exceptional attention to detail with the ability to consolidate and interpret complex information from multiple sources.
• Analytical mindset with the ability to understand and analyse large data sets to identify errors or gaps in a process.
• Strong stakeholder management skills, with the confidence to challenge and escalate where appropriate.
• Knowledge of UK consumer credit, FCA regulations, and debt purchasing market dynamics desirable.
• Excellent numerical, written and verbal communication skills.
• Strong MS Office skills required; experience in Python and Power BI would be highly beneficial.
• Any exposure to or demonstrable interest in the use of agentic AI prompting/querying in natural language would be highly advantageous.
• A self-motivated individual capable of using own initiative to drive improvements in business processes, working both autonomously and collaboratively.
• Ambitious, driven individual with a strong desire to pursue a career within financial services.

The Application Timeline:

• A first stage phone call with the internal talent acquisition team (15-minute call).
• A second stage Teams interview with the hiring manager (30-mins).
• A final stage face-to-face or Teams interview with the hiring manager (45-mins).

Typically, the average successful applicant will be within this timeline for 2-3 weeks. Please note we will close this role once we have enough applications for the next stages therefore you should submit your application as soon as possible to avoid any disappointment. If you do not receive a response after 3 weeks of applying, please assume you have been unsuccessful as we may experience a high volume of applications.

Why you should be EXCITED to apply:

• £35,000 - £45,000 DOE, + up to 20% of your annual salary, paid as a bonus.
• This role is based at our Blackpool or Manchester office.
• 37.5 hours per week. We offer flexible and hybrid working between our core hours of 8am-6pm, Monday to Friday.
• The opportunity to complete formal qualifications and learn on the job in a successful, growing organisation.
• And many more benefits to support your wellbeing and professional development.

So, what are you waiting for? Submit your application today. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.

If you have any questions or suggestions of how we can assist you in your application due to disability or personal reasons, please email.

PLEASE NOTE - All new employees must undergo a full DBS and Credit Check upon acceptance of a job offer with Perch Group.