Merchant World

Vice President, Portfolio Strategy

Remote, US$286,000-$321,000Posted 1 day ago

RemoteFull-Time Contract Strategy & Partnerships $200k+

Job Description

QM Advance is a commercial financing company that helps small and midsize businesses across the United States access the working capital they need to operate and grow. The company provides flexible business funding solutions for everyday expenses, inventory purchases, equipment, payroll, and expansion.

With more than 15 years of industry experience, QM Advance has built its business around understanding the financial needs of business owners and providing straightforward funding options. Its approach emphasizes personal service, responsive communication, and long standing relationships with businesses across a variety of industries.

Job Summary

The Vice President of Portfolio Strategy will focus on the financial performance, risk exposure, and long term direction of the company's commercial funding portfolio.

This is a senior leadership role for someone who understands how business financing works beyond the initial funding decision. The position involves evaluating portfolio performance, reviewing capital allocation strategies, identifying emerging risks, and helping leadership make sound decisions about where and how the business should grow.

The right candidate will have substantial experience in commercial finance, portfolio management, or credit strategy. We are looking for someone who can work comfortably with financial data, challenge assumptions when necessary, and make recommendations grounded in actual portfolio performance.

Key Responsibilities

Portfolio Strategy and Performance

Develop and maintain strategies for managing the commercial funding portfolio. Review portfolio composition, funding activity, repayment performance, and overall financial results to identify areas that require attention or present opportunities for improvement.

Financial Analysis and Capital Allocation

Evaluate capital deployment, expected returns, funding costs, and portfolio profitability. Work with finance leadership to determine how available capital can be allocated responsibly while supporting business growth.

Credit and Portfolio Risk

Review portfolio exposure across industries, customer segments, and funding products. Identify concentration risks, changes in repayment behavior, and other factors that could affect portfolio performance.

Business Planning

Contribute to financial forecasts, portfolio growth plans, and business strategy discussions. Provide leadership with a clear understanding of how funding decisions affect revenue, liquidity, and long term financial performance.

Operational Collaboration

Work with underwriting, finance, servicing, and business development teams to improve portfolio monitoring, reporting accuracy, and decision making. Help ensure commercial objectives remain consistent with the company's financial and risk management priorities.

Executive Reporting

Prepare and present portfolio reviews, financial analyses, and strategic recommendations. Communicate findings clearly and provide practical guidance on portfolio performance and future funding priorities.

Qualifications & Requirements

Education

Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field. An MBA or relevant professional qualification is preferred.

Professional Experience

At least 15 years of experience in commercial finance, credit portfolio management, business lending, financial services, or a closely related field. Previous responsibility for portfolio strategy or senior financial decision making is strongly preferred.

Financial Background

Strong understanding of portfolio profitability, financial forecasting, capital allocation, cash flow analysis, and risk adjusted returns. Experience evaluating commercial financing products and business repayment performance is particularly valuable.

Analytical Capabilities

Advanced Excel skills and experience working with financial models, portfolio reports, and performance data. Candidates should be comfortable identifying trends, explaining financial results, and recommending changes based on their findings.

Leadership and Judgment

Experience working with senior management and collaborating across finance, underwriting, and operations. The ability to exercise independent judgment, manage competing priorities, and communicate difficult financial decisions professionally is essential.