Portfolio Manager, Major Accounts

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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.

• 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 workout 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.

• 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 United Healthcare (UHC), with various coverage levels available.
• 100% Company Paid Insurances:
  Kapitus fully covers the cost of basic short‑term and long‑term disability insurance, as well as vision insurance.
• Voluntary Insurance:
  Supplemental life insurance and enhanced short‑ and long‑term disability coverage are available through Mutual of Omaha;
  Colonial Accident and Hospitalization insurances are also…