Work Location: San Antonio, Makati City
Work Schedule: Monday to Friday, 12:00 PM to 9:00 PM
Work Setup: Hybrid (2x WFH, 3x Onsite)
Company Description:
Lumora Capital is a next-generation lender redefining real estatebacked bridging finance through a unique synthesis of institutional pedigree and market-leading technology. While focused on the 1050 million mid-market space, we are currently executing an aggressive roadmap to scale our loan book to 320m within our first yeara feat made possible by our proprietary, AI-driven platform. Unlike legacy lenders tethered to manual workflows, Lumora operates with an AI-First Culture, where machine learning and predictive intelligence are woven into our DNA. Our latest work focuses on deploying automated underwriting engines that ingest complex asset data to provide rapid risk assessment and predictive transaction modeling, drastically compressing timelines while maintaining the highest level of institutional-grade credit discipline.
Joining Lumora means operating at the forefront of financial innovation under the direct mentorship of industry veterans. Our leadership team brings an elite pedigree from major corporate banks, Accenture, and global challengers, having collectively executed over 12bn in debt transactions and led 4bn+ in restructurings. We champion a philosophy of International Engagement, utilizing our tech stack to foster a borderless, high-performance environment where team members, regardless of their global location, work directly with senior management and key stakeholders. This ensures that every individual has a seat at the table, contributing to complex deal structuring and helping build the world's most advanced tech-enabled lender from the ground up.
Role Outline:
The Portfolio Manager is the operational heartbeat of our lending platform, playing a critical role in the effective and efficient tracking of our rapidly scaling loan book. You will govern the entire loan lifecyclefrom funding to redemptionutilizing our proprietary technology to ensure real-time visibility on performance and risk. This is not a passive monitoring role; it is a position of high accountability where rigorous surveillance, data integrity, and proactive collateral management are vital to protecting the firm's capital and enabling our institutional growth.
Key Areas of Responsibility:
Proactive Portfolio Surveillance & Performance Monitoring
- Time-Sensitive Risk Monitoring: Establish and manage a robust surveillance process, continuously monitoring loan performance relative to its short-term maturity date. Actively track key risk indicators unique to bridging, such as Planning Permissions, Construction Milestones, and LTV (Loan-to-Value) thresholds.
- Collateral Integrity: Monitor and track the value, insurance, and property tax status of the underlying UK real estate collateral. Conduct regular or event-driven desktop valuations and due diligence reviews.
- Compliance and Covenants: Ensure strict compliance with all loan covenants, agreements, and specific conditions tied to the property, such as required works or deadlines for exit planning.
- Financial Performance: Support the accurate and timely collection and processing of interest (monthly or rolled-up) to maintain portfolio yield.
Exit Strategy Management & Redemption
- Redemption Strategy: Devise, implement, and aggressively track the stated exit strategy (e.g., property sale, refinance to a long-term lender) for every loan. Initiate contact with borrowers well ahead of the maturity date.
- Extensions and Modifications: Evaluate borrower requests for loan extensions or modifications based on a rigorous assessment of collateral value, borrower commitment, and a revised, credible exit plan.
- Pre-Maturity Risk Assessment: Proactively identify loans at risk of missing their redemption date (Early Warning Signs) and escalate quickly for intervention.
Workout, Collections, and Recovery
- Delinquency Management: Act as the primary negotiator for delinquent borrowers, developing and managing workout and liquidation plans when necessary.
- Recovery Action: Manage restructurings and recovery activities in coordination with legal counsel and third-party asset managers, ensuring maximum recovery efficiency from the real estate asset.
- Reserving and Write-Offs: Provide data and analysis in support of reserving and/or write-off actions to maintain accurate risk provisioning.
Governance, Reporting, and Leadership
- Reporting: Prepare accurate, timely, and concise reports detailing portfolio risk, redemption pipeline, and compliance status for senior management, investors, and the Board of Directors.
- Strategy Input: Assist with key strategies and commercial decisioning, utilizing portfolio data to improve underwriting standards and operational efficiency.
- Team Leadership: Provide effective oversight and mentorship to Loan Portfolio Assistants, building expertise within the team on the nuances of short-term property finance management.
Qualifications and Experience:
- Bachelor's degree in Finance, Economics, Accounting, Mathematics, or a related discipline.
- Extensive experience of loan servicing or portfolio management within the commercial real estate or residential mortgage sector.
- Demonstrable success in a role managing live loans post-funding, focused on compliance and risk integrity.
- Familiarity with the lifecycle of short-term property finance (e.g., bridging, development finance) is highly advantageous.
- Any experience of the oversight or mentorship of junior staff members would be advantageous.
- Energetic, detail-oriented, organized, and thorough.
- Must be able to work with a great deal of confidentiality.
- Proactive and results-oriented manager, thriving in a fast-paced environment and capable of managing multiple projects simultaneously.
- Ambitious and keen to increase knowledge of complex real estate lending.
- Keen interest in working in an AI and technology landscape and using these resources in field of legal and compliance
- Experience in lending and offshore structures, exposure in the international financial world.
