Portfolio Risk Manager I

Position Summary

The Portfolio Risk Manager makes data-driven decisions to monitor the overall health of the factoring portfolio, approve credit, and ensure smooth and transparent onboarding, safeguarding risk while supporting sustainable growth.

Essential Job Functions

• Reviews credit request following existing frameworks through standardized process
• Applies existing scoring models when approving new debtors
• Reviews and monitors portfolio risk dashboards and flags issues
• Underwrites new deals using existing underwriting frameworks
• Learns from senior team members how to anticipate macroeconomic and industry trends
• Adepts tools/systems and follows automation workflows in place
• Learns Denim’s credit risk process using structured, scalable frameworks that support long-term growth
• Identify opportunities to automate and streamline risk management processes, reducing manual work and accelerating decision timelines without compromising quality
• Improves the speed and clarity of debtor evaluations to ensure new client onboarding is smooth, transparent, and driven by objective, data-backed insights
• Reviews credit requests through standardized processes that analyze financial data, debt-to-equity ratios, cash flow, and historical payment behavior
• Manages credit exceptions using data-driven matrices to assess trends and guide strategic decisions aligned with Denim’s risk tolerance
• Oversees outgoing and incoming buyouts to ensure smooth transitions and protect Denim’s reputation for reliability and professionalism
• Develops yield optimization strategies by analyzing historical yield data, market trends, and portfolio performance to identify high-yield opportunities and reduce underperformance
• Ensures legal compliance by monitoring UCC liens and managing contract exceptions, safeguarding operational integrity

Position Requirements

• 1 - 2 years of factoring, B2B lending or credit risk management experience
• PREFERRED: 1 - 3 years of factoring experience with direct responsibility for credit decision-making and portfolio risk monitoring
• 1+ years of underwriting experience, preferably at another factoring company
• Knowledge of logistics or freight brokering
• Familiarity with portfolio management

Capabilities

• Ability to become familiar with company products and navigate systems in a reasonable amount of time
• Effective and strong communication skills both verbally and in writing
• Understanding, solving problems, and responding to customers' needs in a timely manner
• Meticulous attention to detail
• Displays collaborative effective working relationships within all areas of the company
• Proactive approach utilizing initiative, and great follow-through skills
• Strong data analytical skills
• Experience working with cross-functional teams in a financial or tech-focused setting
• A solid understanding of credit risk management

Physical Demands

• Minimum physical exertion
• Sit, communicate, reach and manipulate objects, tools or controls
• Move materials weighing up to 5 pounds on a regular basis
• Manual dexterity and coordination are required over 75% of the work period while operating equipment such as computer keyboard and mouse

Work Environment

• Minimum physical exertion
• Sit, communicate, reach and manipulate objects, tools or controls
• Move materials weighing up to 5 pounds on a regular basis
• Manual dexterity and coordination are required over 75% of the work period while operating equipment such as computer keyboard and mouse
• Work in a clean, non-hazardous work area
• Background noises

EEO Statement

Truckstop.com provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. At Truckstop we are dedicated to creating a workplace that is equitable, inclusive, and inspiring for every employee.

Privacy Policy

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