Ready to make your mark? Start your career at Perch Group as a Graduate 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.

🔎What are we looking for?

The Graduate Portfolio Performance Analyst role is a brand-new position within the Investment function, where you’ll use data and analysis to monitor portfolio acquisitions, develop analytical tools, KPIs and dashboards, and ultimately help drive portfolio performance. You’ll support the Head of Portfolio Performance in identifying root causes of inefficiencies and providing insights across gross collections, cost optimisation and customer journeys, highlighting early warning signs and helping stakeholders take action. You’ll work closely with teams across Pricing, Decision Science, Finance, Analytics, Implementation and Operations, giving you broad exposure across the business and regular interaction with senior management. We’re looking for someone who is highly analytical, commercially minded and self-motivated, with the ability to turn insight into impact and communicate confidently at all levels. As a new role in an ambitious and growing business, you’ll have plenty of opportunity to make your mark.

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

You’ll work as part of the Investment Director’s team, supporting the Head of Portfolio Performance across several areas, including but not limited to:

• [35%] Support in the execution, optimisation, analysis and monitoring of Perch’s regular intake of forward flow debt sales to drive optimal performance and to ensure any deviations in file quality or performance are tracked and fed back to the business.
• [25%] 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 KPIs 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. This includes the operational readiness to achieve projected targets (both recoveries & timings) of future placements of accounts to other entities within the Perch Group family, including Perch Verify (the Group’s in-house field connect service) and TMLS (the Group’s in-house law firm).
• [25%] 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. This spans both gross collections and modelled costs.
• [10%] 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.
• [5%] Supporting the Head of Portfolio Performance 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.