Portfolio Manager

About Us:

At eCapital, we are on a mission to ignite growth and empower businesses across North America and the U.K. by accelerating their access to capital. Our expertise and forward-thinking technology create customized, cutting-edge solutions for clients in over 80 industries. We are proud to have been named to the prestigious Inc. 5000 Fastest Growing Company list in 2024, recognized as a ‘Great Place to Work’ by the Secured Finance Network, and celebrated as a ‘Most Innovative Company’ by ABF Journal; all thanks to our dynamic team who are the cornerstone of our success. Are you ready to make an impact and help us shape the future of finance?

The Opportunity:

The Portfolio Manager, Platinum Clients is responsible for the strategic management, performance, and risk oversight of eCapital's highest-value client relationships. Serving as the primary portfolio leader for a designated portfolio of Platinum clients, this role partners closely with clients and internal stakeholders to optimize portfolio performance, proactively manage risk, strengthen client retention, and identify opportunities for growth.

The Portfolio Manager acts as a trusted advisor to clients and an internal advocate for portfolio success, balancing exceptional client experience with prudent risk management. This role requires a highly analytical and relationship-driven professional who can assess complex financial situations, make sound business decisions, influence outcomes across multiple functions, and engage directly with executive-level client contacts.

Success in this role is measured through portfolio performance, risk mitigation, client retention, revenue growth, operational effectiveness, and the development of strong client partnerships.

Responsibilities:

Portfolio Leadership and Risk Management

• Assume ownership of a portfolio of Platinum clients, ensuring overall portfolio health, profitability, compliance, and risk performance.

• Conduct ongoing review and analysis of client financial performance, collateral quality, account trends, funding utilization, concentration exposure, dilution, collections activity, and other key risk indicators.

• Identify emerging risks and opportunities and develop strategic recommendations to support portfolio stability and growth.

• Lead risk assessment discussions and work collaboratively with Credit, Risk, Operations, Collections, and Account Management teams to implement effective mitigation strategies.

• Maintain accountability for watchlist accounts, remediation plans, and escalated portfolio concerns.

• Make recommendations regarding portfolio structure, credit exposure, reserve requirements, and risk management actions.

Client Relationship Management

• Develop and maintain strong relationships with executive-level client contacts and key decision-makers.

• Serve as a trusted advisor by providing portfolio insights, strategic guidance, and recommendations that support clients' business objectives.

• Lead portfolio review meetings with clients and internal stakeholders.

• Partner with Sales, Account Management, and Customer Service to strengthen client engagement, retention, and satisfaction.

• Address complex client issues, concerns, and escalations while driving timely and effective resolutions.

• Identify opportunities to deepen client relationships and support business growth initiatives.

Client Visits and Travel

• Conduct in-person client meetings, portfolio reviews, operational assessments, and relationship-building visits as appropriate.

• Travel to client locations approximately two to three times per quarter to strengthen partnerships, perform due diligence reviews, and support strategic account management initiatives.

• Represent eCapital professionally during client visits and industry-related meetings.

Strategic Portfolio Analysis and Reporting

• Analyze portfolio trends, market conditions, client performance metrics, and operational data to identify emerging risks and opportunities.

• Prepare and present executive-level portfolio reviews and recommendations to senior leadership.

• Utilize reporting and analytical tools, including Power BI, eClipse, Salesforce, and other internal systems, to support decision-making and portfolio management strategies.

• Monitor portfolio concentrations, profitability, exposure levels, and performance trends.

• Provide actionable insights that contribute to portfolio growth, operational efficiency, and risk reduction.

Compliance and Governance

• Ensure portfolio activities comply with company policies, procedures, audit requirements, regulatory standards, and risk management frameworks.

• Review account documentation, reporting, and client information to ensure completeness and accuracy.

• Maintain accurate records of portfolio reviews, client interactions, risk assessments, and action plans.

• Support internal and external audit activities as required.

Cross-Functional Leadership

• Collaborate closely with Credit, Risk, Operations, Collections, Customer Service, Account Management, and Executive Leadership teams.

• Act as a subject matter expert and resource for complex portfolio situations and client-related matters.

• Contribute to process improvement initiatives that enhance portfolio performance, client experience, and operational efficiency.

• Participate in special projects and strategic initiatives as assigned.

• Other duties as assigned by direct, department, or division leadership.

Measures of Success

Success in this role will be demonstrated through:

• Strong portfolio performance, profitability, and risk-adjusted returns.

• High client retention and satisfaction levels within the Platinum segment.

• Effective identification, escalation, and mitigation of portfolio risks.

• Successful management of complex client situations and escalations.

• Growth and expansion of existing client relationships.

• Quality and effectiveness of portfolio reviews, recommendations, and strategic insights.

• Strong internal partnerships and cross-functional collaboration.

• Consistent compliance with company policies, procedures, and risk management standards.

• Positive contribution to eCapital's Platinum client strategy and overall business objectives.

Qualifications:

• Bachelor's degree in Finance, Business Administration, Accounting, Economics, or related field preferred.

• 7+ years of experience in portfolio management, commercial finance, asset-based lending, factoring, commercial banking, credit risk, or related financial services experience.

• Demonstrated experience managing complex, high-value client relationships.

• Strong financial statement analysis, credit assessment, and risk management expertise.

• Exceptional client relationship and consultative communication skills.

• Proven ability to influence decisions and drive outcomes across multiple business functions.

• Strong analytical, problem-solving, and strategic thinking abilities.

• Ability to effectively manage competing priorities within a fast-paced environment.

• Experience presenting recommendations and portfolio updates to executive leadership.

• Proficiency with eClipse, Power BI, Salesforce, Microsoft Office Suite, Teams, and related business systems.

• Willingness and ability to travel approximately two to three times per quarter for client visits and business meetings.

We Bring:

• Salary: $75,000USD annually

• Annual Bonus

• PTO

• Health, Dental, and Life Benefits

• 401k Matching

• Abundant professional development opportunities at a growing and thriving alternative Finance company!

eCapital Culture:

At eCapital, we're not just a funding provider—we're a strategic partner built for what's next. Our culture is defined by innovation, scalability, and personalized service. We value:

• Agility: We adapt quickly to changing market conditions and customer needs.

• Relationships: We put our clients' needs at the center of everything we do, and we believe the best results come from diverse teams working together.

• Accountability: We hold ourselves to the highest standards in all aspects of our work.

• Innovation: We constantly push boundaries to create better solutions for our clients.

You’ll work in a dynamic environment where your contributions will support eCapital’s growth and the small and medium-sized businesses we serve. Join us in improving how businesses access and manage capital.

eCapital values diverse experiences and backgrounds. We encourage all qualified candidates to apply, regardless of race, color, religion, gender, sexual orientation, national origin, genetics, disability, age, or veteran status.

AI Statement

eCapital uses AI-enabled tools within our applicant tracking system to support resume screening by comparing qualifications to job requirements. Final hiring decisions and resume reviews are always conducted by our recruiters.

Vacancy Type: Addition

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