Portfolio Relationship Manager

About Us:

CapBay operates an award-winning Supply Chain Finance and Peer-to-Peer (P2P) Financing platform. We facilitate inclusive business financing, using existing trade data and relationships. Through our proprietary credit-decisioning model, businesses of all sizes can obtain short-term financing while banks and investors can participate in high-quality financing deals. You can find out more about us at www.capbay.com

About the Role:

We are looking for a proactive and commercially driven Portfolio Relationship Manager to manage and grow CapBay’s existing client portfolio.This role focuses on deepening long-term client relationships, optimising portfolio utilisation, and identifying cross-sell and upsell opportunities across CapBay’s financing solutions. You will act as a trusted financing partner to clients, supporting repeat financing, renewals, and evolving financing needs as their businesses grow.

Key Responsibilities:

In this role, you will be expected to:

• Manage and grow an assigned portfolio of existing clients, ensuring strong engagement, retention, and portfolio quality
• Build deep client relationships by understanding clients’ business operations, cash flow cycles, and financing requirements to drive repeat financing, cross-sell, and upsell opportunities
• Identify opportunities to increase wallet share through higher utilisation, additional products, or more structured financing solutions
• Serve as the primary point of contact for clients, providing ongoing advisory support and timely resolution of financing-related matters
• Prepare, review, and recommend financing proposals for renewals, enhancements, restructurings, or new facilities, working closely with internal credit teams to ensure alignment with risk appetite and policy
• Monitor portfolio performance, client behaviour, and early warning indicators, and proactively manage risks or potential issues
• Coordinate with internal stakeholders (Credit, Operations, Legal, Product, Collections) to ensure smooth execution, documentation, and ongoing servicing
• Maintain accurate CRM updates, portfolio reporting, and utilisation tracking

Key Qualities and Requirements:

We are looking for someone who has:

• Bachelor’s degree in Finance, Business Administration, Economics, or a related field
• Minimum of 3-4 years of experience in in SME banking, in relationship management, portfolio management, commercial banking, corporate banking, or alternative financing
• Strong interpersonal and communication skills, with the ability to effectively present financial solutions to diverse stakeholders
• Proven track record in sourcing new clients, handle mid-sized or structured financing deals
• Leadership or mentoring experience is a strong advantage
• Strategic mindset with a hands-on approach to execution
• Strong credit understanding and ability to assess business risks

Our Achievemenents:

• 🏆Top 200 Global Fintech Companies – CNBC
• EY Emerging Entrepreneur Of The Year
• Fintech Start-up of the Year Malaysia – The Asset's Triple A Digital Awards
• Best Fintech for Plug & Play Tech Center
• Best FinTech Platform for Supply Chain Finance – The Asian Banker
• Finalist at Global FinTech Hackcelerator and featured at Singapore Fintech Festival

Apply now and be part of CapBay’s growth story!🚀