What are the responsibilities and job description for the Portfolio Manager, Major Accounts position at Kapitus?
The Major Accounts Portfolio Manager at Kapitus is responsible for the ongoing management and performance of a portfolio of funded merchant accounts. This role serves as the primary steward of account health throughout the entire contract lifecycle—leveraging internal tools, cross-functional resources, and client engagement strategies to ensure maximum portfolio return.
The Major Accounts Portfolio Manager will actively monitor payment compliance, execute renewal assessments, apply payment optimization tools, manage special asset situations, and lead foreclosure or legal escalation activity when necessary. The ideal candidate has strong financial acumen, relationship-management skills, problem-solving ability, and understands how to balance risk mitigation with revenue opportunities.
What You Will Do
Portfolio Oversight & Payment Performance
What we are looking for:
Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, we can provide small businesses with the financing they need when, and how it is needed. We have spent our entire existence building a culture that makes us excited to come to work in the morning. Our company is fast paced, teammates need to be self-directed and have an internal motivation to do the right thing, even when the right thing takes a lot of hard work. We show our teammates our appreciation by offering great benefits, competitive pay and solid opportunity for growth.
Company Mission
At Kapitus, our mission is to help small business owners grow their organizations by providing tailored, transparent, and ethical financing solutions. We invest in every business owner’s story and we are dedicated to building lasting relationships to champion their goals. We promise to keep the best interests of our clients at the center of the financing process by operating with transparency, fairness, and integrity.
Consideration will be given to qualified remote candidates residing in states where Kapitus and/or one of its subsidiaries has an established physical presence.
The Major Accounts Portfolio Manager will actively monitor payment compliance, execute renewal assessments, apply payment optimization tools, manage special asset situations, and lead foreclosure or legal escalation activity when necessary. The ideal candidate has strong financial acumen, relationship-management skills, problem-solving ability, and understands how to balance risk mitigation with revenue opportunities.
What You Will Do
Portfolio Oversight & Payment Performance
- 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 (payment reduction programs, re-aging, work-outs, etc.) 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 and business need.
- Partner with Sales/Originations teams to hand off qualified renewal opportunities.
- Track and forecast renewal pipeline activity.
- 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 (Legal, Collections, Underwriting, Sales) align to maximize lifecycle return.
- Maintain accurate records, account notes, risk ratings, and portfolio analytics.
- Provide reporting on portfolio trends, performance metrics, and escalated accounts.
What we are looking for:
- 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.
- Experience in alternative lending, MCA, leasing, or commercial credit.
- Familiarity with legal processes related to collections, foreclosure, and contract enforcement.
- Competitive Base Salary Range of $63,500-$101,900 Kapitus is providing this as a good faith salary range to comply with applicable law. The applicant’s final salary will depend on a number of factors including the applicant’s geographic location, skills, and experience.
- Annual Incentive Compensation Eligibility – Up to 10% annually
- Health Insurance:We offer comprehensive medical, dental, and employer-paid vision plans through UnitedHealthcare (UHC), with various coverage levels available to meet the needs of our employees and their families.
- 100% Company Paid Insurances: Kapitus fully covers the cost of basic short-term and long-term disability insurance, as well as vision insurance, ensuring our employees have comprehensive protection without any personal expense.
- Voluntary Insurance: Supplemental life insurance as well as enhanced short- and long-term disability coverage are available through Mutual of Omaha, providing additional security for our employees. Additionally, Colonial Accident and Hospitalization insurances are also available, offering further protection against unforeseen events.
- Paid Maternity and Parental Leave: Beyond state-mandated leave policies, Kapitus provides company-paid maternity and parental leave, supporting our employees during important family milestones.
- LifeBalance Program: Enhance your lifestyle with our LifeBalance membership, which offers discounts on outdoor activities, the arts, health, and fitness. Additional benefits include:
- Pet and car insurance discounts.
- Financial services such as LegalShield.
- Relaxation and stress management tools, including a fully covered annual subscription to The Calm App.
- Plum Benefits Discount Program: Access exclusive discounts on shows, travel, car rentals, and more, enriching your personal and family life.
- Tuition Reimbursement: Pursue further education with up to $5,000 annually in tuition reimbursement, plus opportunities to attend relevant conferences and career development events.
- Transit Reimbursement: We also offer transit reimbursement for all work-related travel, supporting your involvement in career and personal development activities.
- Paid Time Off and Sick Time
- Retirement Benefits: Our 401K plan is managed through Fidelity, featuring a 25% match on employee contributions, helping you plan for a secure financial future.
Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, we can provide small businesses with the financing they need when, and how it is needed. We have spent our entire existence building a culture that makes us excited to come to work in the morning. Our company is fast paced, teammates need to be self-directed and have an internal motivation to do the right thing, even when the right thing takes a lot of hard work. We show our teammates our appreciation by offering great benefits, competitive pay and solid opportunity for growth.
Company Mission
At Kapitus, our mission is to help small business owners grow their organizations by providing tailored, transparent, and ethical financing solutions. We invest in every business owner’s story and we are dedicated to building lasting relationships to champion their goals. We promise to keep the best interests of our clients at the center of the financing process by operating with transparency, fairness, and integrity.
Consideration will be given to qualified remote candidates residing in states where Kapitus and/or one of its subsidiaries has an established physical presence.
Salary : $63,500 - $101,900