Kapitus · 22 hours ago
Portfolio Manager, Major Accounts
New Jersey, United States
Full-time
Hybrid
Mid Level
$64K/yr - $102K/yr
3+ years expKapitus is a reputable name in small business financing, seeking a Major Accounts Portfolio Manager to oversee the management and performance of funded merchant accounts. The role involves monitoring payment compliance, managing client relationships, and leading special asset situations to ensure maximum portfolio return.
FinanceFinancial ServicesFinTechLendingSmall and Medium Businesses
Responsibilities
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
Qualification
Required
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
Familiarity with legal processes related to collections, foreclosure, and contract enforcement
Benefits
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.
Company
Kapitus
Kapitus is a business loan provider dedicated to helping small and medium-sized businesses in their growth.
501-1000 employees
H1B Sponsorship
Kapitus has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2024 (3)
2023 (4)
2022 (2)
2021 (2)
2020 (5)
Funding
Current Stage
Late StageTotal Funding
$675M2024-06-17Debt Financing· $45M
2023-04-03Debt Financing· $130M
2022-02-09Debt Financing· $200M
Leadership Team
Ella Haman
Chief Technology Officer
Anthony Rose, CFA
Chief Financial Officer
Recent News
The Journal Record
2025-11-09
2025-09-26
2025-07-22
Company data provided by crunchbase