Portfolio Risk Manager II

At Truckstop, we have transformed the entire freight-moving lifecycle with our SaaS solutions.  From freight matching to payments and everything in between, we are the trusted partner for carriers, brokers, and shippers alike. We lead this industry forward with our One Team mindset committing to principles such as assume positive intent, have each other’s back, and be your authentic self.  Our drive for greatness produces high expectations, yet our regard for humans is even higher. Join a team of brilliant minds and generous hearts who care deeply about other's success.

Please note: This is a full-time, in-person role based at our Boise office (1444 S. Entertainment Ave., Boise, ID 83709).

Job 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

- li" data-ccp-parastyle-defn="{"ObjectId":"8d7a56e0-a7b7-54f4-a484-015288fb6a82|1","ClassId":1073872969,"Properties":[268442635,"22",469777841,"Times New Roman",469777842,"Times New Roman",469777843,"Times New Roman",469777844,"Times New Roman",469769226,"Times New Roman",469775450,"ul > li",201340122,"2",134233614,"true",469778129,"ulli",335572020,"1",469778324,"Normal"]}">Reviews credit request following existing frameworks through standardized process, helps refine or suggest improvements.

- li">Applies existing scoring models when approving new debtors, provides input to improve scoring criteria

- li">Reviews and monitors portfolio risk dashboards, flags issues, interprets trends, recommends actions and supports mitigation.

- li">Underwrites new deals adapting frameworks to specific scenarios and provides recommendations.

- li">Identifies and communicates potential macroeconomic and industry trend impacts to the team.

- li">Adopts tools/systems and follows automation workflows in place, identifies inefficiencies and recommends automation opportunities.

- li">Learns Denim’s credit risk process using structured, scalable frameworks that support long-term growth.

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

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

- li">Managing credit exceptions using data-driven matrices to assess trends and guide strategic decisions aligned with Denim’s risk tolerance. Suggests adjustments to matrices and contributes to the exception strategy.

- li">Overseeing outgoing and incoming buyouts to ensure smooth transitions and protect Denim’s reputation for reliability and professionalism.

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

- li">Ensuring legal compliance by monitoring UCC liens and managing contract exceptions, safeguarding operational integrity.

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.

Position Requirements

- li">2 - 4 years of factoring, B2B lending or credit risk management experience

- li">Preferred: 2 - 4 years of factoring experience with direct responsibility for credit decision-making and portfolio risk monitoring.

- li">2+ years of underwriting experience, preferably at another factoring company

- li">Knowledge of logistics or freight brokering Ability to become familiar with company products and navigate systems in a reasonable amount of time.

- li">Effective and strong communication skills both verbally and in writing

- li">Ability to understand, solve problems and respond to customers’ needs in a timely manner

- li">Displays meticulous attention to detail

- li">Demonstrated ability to communicate with cross functional teams

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

- li">Ability to maintain collaborative effective working relationships within all areas of the company

- li">Displays a proactive approach utilizing initiative, and great follow through skills

- li">Strong data analytical skills

- li">Experience working with cross-functional teams in a financial or tech-focused setting.

- li">A solid understanding of credit risk management.

- li">Familiarity with portfolio management.

Additional Information:

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 commission based on meeting monthly targets. 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 anticipated base pay range for this position is:
$60,000 — $70,000 USD

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.

Truckstop participates in the E-Verify program. Learn more about the E-Verify program here: https://www.e-verify.gov/

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