Portfolio Performance Analyst

Turn debt collection data into action across Eleving Europe markets. Dig beyond headline metrics to uncover what drives portfolio performance, shape practical improvements with country teams, and follow each action through to measurable results. salary: starting from EUR 3,000 gross team: Debt collection location: Riga, Latvia your responsibilities • Monitor monthly portfolio performance across Eleving Europe countries: paid-on-time rates, DPD bucket migration, cure rates, roll rates, PtP performance, and portfolio composition • Conduct deep-dive analyses into portfolio data to identify patterns, anomalies, and root causes behind performance deviations, going beyond headline metrics into borrower segments, vintage cohorts, geography, and product splits • Diagnose the operational and structural drivers of performance changes, linking data patterns to actions taken or not taken: communications, agent behavior, strategy shifts, portfolio mix changes • Develop structured performance overviews and action proposals for country DC teams; present findings to country DC heads and actively support the decision-making and implementation process • Follow through on agreed actions, track progress, escalate where implementation stalls, and close the loop analytically • Manage a pipeline of 3–5 active improvement topics across multiple markets simultaneously, prioritizing by financial and operational impact • Assess whether recurring patterns across countries justify escalation to the BI reporting team for systematic monitoring • Contribute to the development of analytical frameworks and diagnostic methodologies for the Europe Hub DC function what we're looking for • Bachelor's degree or higher in Finance, Economics, Mathematics, Statistics, or a related field • Minimum 3–4 years of experience in an analytical role within debt collection, consumer lending, or fintech credit risk; must already understand how collection portfolios behave and what moves key metrics • SQL, advanced and non-negotiable: ability to independently write, optimise, and troubleshoot complex queries against large databases; experience with data warehouse environments required • Excel, advanced: pivot tables, financial modelling, structured output for non-technical audiences • Domain knowledge, required: DPD buckets, roll rates, cure rates, PtP dynamics, vintage behaviour, and the operational levers that move them • Presentation and stakeholder management: ability to structure and present complex analytical findings clearly to country DC leadership and to support the proposal and decision-making process • Self-directed, structured, and intellectually curious: capable of defining the right analytical question independently and sustaining focus across multiple concurrent improvement topics • Fluent in English; additional European language a plus what we offer • Performance-based annual bonus • Hybrid work setup with 3 days a week from the office & flexible working hours • Health insurance from day 1 • Support for your growth & development • Growth opportunities across regions, teams, and markets • Active social agenda with team events and company initiatives Vakance no Eleving Group karjeras lapas.