Portfolio Performance Analyst

About the role

Eleving Group, an international fintech company in vehicle and consumer finance with a multi-brand portfolio in 17 countries, is looking for a proactive and analytical Portfolio Performance Analyst to join its Europe Hub team. The role monitors and improves portfolio performance across Europe Hub countries.

Key responsibilities

• Monitor monthly portfolio performance across Europe Hub countries: paid-on-time rates, DPD bucket migration, cure rates, roll rates, PtP performance and portfolio composition.
• Analyse portfolio data to find patterns, anomalies and root causes behind performance deviations, going beyond headline metrics into borrower segments, vintage cohorts, geography and product splits.
• Diagnose operational and structural drivers of performance changes, such as communications, agent behaviour, strategy shifts and portfolio mix changes.
• Produce structured performance overviews and action proposals for country DC teams, present findings to country DC heads and support decision making and implementation.
• 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 markets, prioritised by financial and operational impact.
• Assess whether recurring patterns across countries warrant escalation to the BI reporting team for systematic monitoring.
• Contribute to analytical frameworks and diagnostic methodologies for the Europe Hub DC function.

Required profile

• Bachelor's degree or higher in Finance, Economics, Mathematics, Statistics or a related field.
• Minimum 3-4 years in an analytical role within debt collection, consumer lending or fintech credit risk, with understanding of how collection portfolios behave and what moves key metrics.
• Fluent English; an additional European language is a plus.

Required skills

• SQL: writing, optimising and troubleshooting complex queries on large databases, with data warehouse experience.
• Advanced Excel: pivot tables, financial modelling and structured output for non-technical audiences.
• Knowledge of DPD buckets, roll rates, cure rates, PtP dynamics, vintage behaviour and the operational levers that move them.
• Presentation and stakeholder management with country DC leadership.

What we offer

• Monthly salary from EUR 3,000 gross, depending on experience and qualifications.
• Health insurance from day 1 and a performance-based bonus.
• Hybrid work with 3 days per week in the office and flexible hours.
• Growth opportunities across regions, teams and markets, learning and development support, and an active social agenda.