Renewals Account Manager

This role is on-site Monday-Friday 8:30am-5pm and is not eligible for remote work.

Who You Are

• You have experience in account management, inside sales, or a financial services role — and you know how to own a book of business
• You’re a natural relationship-builder who earns trust with small business owners quickly and keeps it
• You’re comfortable with numbers — you can read a deal, spot a renewal opportunity, and have a confident conversation about merchant cash flow
• You’re proactive and self-directed — you don’t wait for merchants to come to you, you stay one step ahead of your portfolio
• You thrive in a fast-paced, performance-driven environment and take pride in hitting — and exceeding — your targets
• You’re organized enough to manage a large, active portfolio without things slipping through the cracks

What Your Will Do

• Manage a portfolio of active MCA, term loan, and LOC accounts from post-funding through payoff
• Monitor repayment progress and identify optimal renewal windows based on balance and performance
• Proactively contact merchants nearing payoff to initiate the renewal conversation
• Work with underwriting to structure renewal offers (amount, factor rate, term) that fit merchant cash flow
• Handle early payoff requests, stacking inquiries, and any mid-term modifications
• Track renewal pipeline and report on conversion rate, average renewal size, and portfolio health
• Build long-term relationships that drive referrals and multi-cycle retention

What You Bring To The Table

• 1+ years of experience in account management, B2B sales, or financial services — MCA or alternative lending experience is a strong plus
• A proven track record of hitting and exceeding targets in a quota-driven environment
• CRM proficiency — you keep your pipeline clean, your notes current, and your follow-ups on time
• Strong phone presence and communication skills — you build rapport quickly and can navigate tough conversations with confidence
• Familiarity with MCA structures, term loans, and lines of credit — or the fast-learner mindset to get there quickly
• A consultative approach — you listen first, then offer solutions that actually fit the merchant’s situation

Who We Are

BackdCapital is the business lending division of Backd, a fintech company founded in 2019 with a bold mission: give small and medium-sized businesses the capital and support they deserve. We're talking about the businesses behind roughly 95% of the US job market, and we're in their corner. We're hitting our stride, growing fast, and looking for ambitious, hungry people ready to be part of something special.

How is BackdCapital different from a traditional lender?

Speed, flexibility, and a genuine belief that small businesses deserve better options. While traditional lenders often come with long timelines, fixed repayment structures, and collateral requirements, BackdCapital offers a different path. Through Working Capital Advances, Business Term Loans, and Business Lines of Credit, we give business owners fast access to capital that's customized to their needs, on their timeline, without giving up a single point of equity. We're not just another lender. We're the partner small businesses have always needed.

Life at BackdCapital

With around 50 people and serious momentum, BackdCapital is the kind of place where careers are built, not just managed. You won't get lost in bureaucracy here. You'll own real work, solve real problems, and see the direct impact of what you do. We're early enough that your fingerprints will be all over what we build, and resourced enough to do it right. If the idea of growing alongside a company on the rise excites you, this is your seat at the table.

Additional Benefits

Health, Dental, Vision, 20 PTO Days, 401K match, Access to Wellhub formerly known as Gympass and a competitive base salary. Regularly paid company outings, twice-weekly corporate yoga. Holidays are celebrated! Birthdays are recognized! Snacks & refreshments are provided! We are growing and prefer to promote within, so there are many incentives within. MORE BENEFITS TO COME AS WE CONTINUE TO GROW. Grow with us!

Backd is an Equal Opportunity Employer. Backd provides equal employment opportunities without regard to race, color, religion, gender, national origin, age, and disability unrelated to an individual’s ability to perform adequately, sexual orientation, marital status, or any other characteristic protected by law.