Portfolio Relationship Manager

BAY GROUP HOLDINGS SDN. BHD.; Kuala Lumpur; On-site; MYR 90,000 - 140,000; Full time

Job summary

CapBay is seeking a proactive Portfolio Relationship Manager to manage and grow CapBay’s existing client portfolio in Kuala Lumpur. 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 renewals and evolving financing needs as their businesses grow.

Qualifications

• Bachelor’s degree in Finance, Business Administration, Economics, or related field.
• 3–4 years in SME banking or related relationship/portfolio roles.
• Strong communication and stakeholder management skills.
• Capability to source new clients and structure financing deals.

Responsibilities

• Manage and grow an assigned portfolio of existing clients, ensuring 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 with credit teams.
• Monitor portfolio performance, client behaviour, and early warning indicators; manage risks or issues.
• Coordinate with internal stakeholders to ensure smooth execution, documentation, and servicing; maintain CRM updates.

Skills

Relationship management

Portfolio management

Credit understanding

Strategic mindset

Communication skills

Education

Bachelor's degree in Finance

Tools

CRM software

Job description

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:

• 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