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 Responsibility:
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 3-3 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 Achievements
- 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!
