Portfolio Manager, Major Accounts

Job Description: • Monitor daily, weekly, and monthly payment activity across assigned funded accounts to ensure contractual compliance • Identify payment risk trends and proactively engage merchants to resolve delinquencies or barriers to repayment • Utilize company-approved payment assistance tools to maintain eligibility and enhance recovery outcomes • Serve as the primary point of contact for merchants within the major accounts portfolio • Conduct strategic touchpoints with merchants to understand business health, revenue changes, capital needs, and performance drivers • Educate merchants on available Kapitus programs, tools, and renewal opportunities • Evaluate accounts for potential renewals or upsell opportunities based on payment performance • Partner with Sales/Originations teams to hand off qualified renewal opportunities • Lead work-out strategies for distressed accounts, applying structured repayment and compliance solutions • Initiate and manage foreclosure activity in accordance with company policy when applicable • Collaborate with internal legal and external counsel to monitor litigation status and enforce repayment terms • Act as the captain of internal resource coordination for each account, ensuring efforts across teams align to maximize lifecycle return Requirements: • 3+ years of experience in portfolio management, merchant financing, asset management, commercial lending, or related financial services role • Strong ability to analyze financial statements, cash flow trends, and payment behaviors • Exceptional communication and relationship-building skills with external clients and internal stakeholders • Proficient problem-solving and conflict-resolution skills • Ability to manage multiple priorities while maintaining high attention to detail • Preferred: Experience in alternative lending, MCA, leasing, or commercial credit • Preferred: Familiarity with legal processes related to collections, foreclosure, and contract enforcement Benefits: • Health Insurance: Comprehensive medical, dental, and employer-paid vision plans • 100% Company Paid Insurances: Basic short-term and long-term disability insurance, as well as vision insurance, fully covered by Kapitus • Voluntary Insurance: Supplemental life insurance and enhanced short- and long-term disability coverage available • Paid Maternity and Parental Leave: Company-paid maternity and parental leave beyond state-mandated policies • LifeBalance Program: Discounts on outdoor activities, arts, health, and fitness, including pet and car insurance discounts • Tuition Reimbursement: Up to $5,000 annually for further education, plus opportunities for conferences and career development • Transit Reimbursement: Support for all work-related travel • Paid Time Off and Sick Time • Retirement Benefits: 401K plan with a 25% match on employee contributions Apply tot his job