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Job Title:  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 ensures 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. 

• Adopts 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.  

• Improve the speed and clarity of debtor evaluations to ensure new client onboarding is smooth, transparent, and driven by objective, data-backed insights.  

• Reviewing credit requests through standardized processes that analyze financial data, debt-to-equity ratios, cash flow, and historical payment behavior.  

• Managing credit exceptions using data-driven matrices to assess trends and guide strategic decisions aligned with Denim’s risk tolerance.  

• Overseeing outgoing and incoming buyouts to ensure smooth transitions and protect Denim’s reputation for reliability and professionalism.  

• Developing yield optimization strategies by analyzing historical yield data, market trends, and portfolio performance to identify high-yield opportunities and reduce underperformance.  

• Ensuring 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 

• Ability to understand, solve problems and respond to customers’ needs in a timely manner  

• Displays meticulous attention to detail 

• Demonstrated ability to communicate with cross functional teams   

• Ability to multi-task, prioritize work and manage own time to meet department goals and deadlines 

• Ability to maintain collaborative effective working relationships within all areas of the company 

• Displays a 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.  

The above description covers the most significant duties performed but does not include other related occasional work that may be assigned or completed by the partner.  

FLSA Status:  Non–Exempt 

Physical Demands:   

Minimum physical exertion. While performing the duties of this position, the employee is frequently required to sit, communicate, reach and manipulate objects, tools or controls. The position requires mobility. Duties involve moving 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:   

The working conditions will vary between an office environment and a remote home environment. The ideal protected indoor work environment is a clean, non-hazardous work area. The noise level in the work environment is typical of most office or remote home environments with telephones, personal interruptions, and 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. In an effort to provide greater transparency, we are sharing the base salary range for this position. The position is also eligible for a yearly bonus. Final salary is based on a number of factors including market location, job-related knowledge, education/training, certifications, key skills, experience, internal peer equity as well as business considerations.

The above description covers the most significant duties performed but does not include other related occasional work that may be assigned or is completed by the employee. 

Truckstop 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. 

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