Role Description Cardiff’s growth depends on the strength of its client relationships. As a Portfolio Manager, you are the anchor of that relationship, the person our clients trust to guide them through renewals, capitalize on new funding opportunities, and ensure their long-term success with Cardiff. This is not a passive account maintenance role. It is a revenue-generating, relationship-first position that sits at the intersection of sales, strategy, and service. The work you do directly impacts client retention, portfolio performance, and Cardiff’s continued expansion across diverse industries nationwide. Cardiff is looking for a proactive Portfolio Manager to oversee and expand a dedicated book of active clients. In this capacity, you will: - Cultivate enduring partnerships - Recognize strategic opportunities for renewal or upsells - Act as the central liaison across the entire client journey We are searching for a consultative professional who excels in high-velocity settings, demonstrates superior relationship oversight, and possesses a documented history of accelerating revenue within established accounts. Qualifications - Minimum of 2 years within customer success, account management, or revenue-generating renewal functions - Background in fintech, commercial lending, or merchant cash advance ecosystems - Demonstrated success in overseeing client portfolios and exceeding established financial objectives - Exceptional aptitude for persuasive communication, professional negotiation, and long-term relationship cultivation - Disciplined organizational skills with a mastery of high-velocity time management Requirements - Drive recurring revenue growth through disciplined renewal management, proactive risk mitigation, and precise forecasting - Complete onboarding and develop a working understanding of Cardiff’s products, funding criteria, and renewal process - Shadow senior team members and review existing client accounts to understand portfolio composition and relationship history - Get up to speed on Salesforce CRM workflows, internal tools, and cross-functional team processes - Establish initial contact with key accounts and begin building rapport with existing clients - Take full ownership of your assigned book of business and begin managing active renewal conversations independently - Build and maintain an accurate renewal pipeline in Salesforce, with reliable forecasting of upcoming opportunities - Identify upsell and capital expansion opportunities within the existing portfolio and begin converting them - Conduct initial business reviews with priority accounts and establish a cadence for ongoing client engagement - Consistently meet or exceed monthly renewal and revenue targets - Operate with full independence across your portfolio, proactively identifying at-risk accounts and taking corrective action before churn occurs - Deliver regular portfolio health analysis with forward-looking insights to leadership on retention trends and growth opportunities - Be recognized as a trusted strategic partner by your clients Benefits - Comprehensive medical, dental, and vision coverage - 401(k) retirement framework to ensure long-term financial security - Flexible Paid Time Off (PTO) and observed holidays to promote sustainable performance and balance - Remote-first flexibility complemented by strategic home office infrastructure support

• Serve as a trusted advisor to Regional Sales Directors and District Sales Managers, diagnosing performance gaps across skills, mindset, process, and tools. • Translate business priorities into targeted capability‑building strategies aligned to growth drivers (new business acquisition, menu expansion, competitive displacement). • Partner with Global Commercial Education to shape the annual capability roadmap grounded in field insights. • Design and deploy role‑specific capability journeys that build proficiency over time—not one‑off trainings. • Focus on high‑impact commercial capabilities, including: Strategic account planning & opportunity management, Clinical and economic value selling, Competitive differentiation & objection handling, Deal strategy & advanced negotiation, Territory & time optimization. • Conduct regular field rides and side‑by‑side coaching with Sales Specialists and District Managers. • Strengthen frontline manager effectiveness by coaching them on how to coach and embedding consistent coaching frameworks. • Use Salesforce (Summit), PowerBI, and other tools to diagnose performance trends, identify skill gaps, and measure capability impact. • Lead enablement strategy for APOC product launches, ensuring the field is clinically credible, commercially confident, and competitively equipped. • Apply modern learning principles (adult learning, microlearning, digital enablement) to create engaging, scalable solutions.

• Develops, manages, and fosters relationships with contractors across various trades and with trade organizations and relevant industry groups. • Responsible for contractor recruitment into the multifamily program based on program needs and priorities. • Works with subcontractor partners to effectively execute the program delivery strategy and support the achievement of program goals. • Monitors program participation and adjusts contractor recruitment strategy to optimize participation in pursuit of program goals. • Provides ongoing support and training to contractors regarding program updates, submission deadlines, safety and other issues on a scheduled and as-needed basis. • Leads ad hoc meetings/calls with the internal team and partners on subjects relating to contractor recruitment, issue resolution, successes, challenges, and requests for additional support. • Delivers presentations and communicates program offerings while tailoring messaging to a variety of stakeholders. • Other duties as assigned.

AI Underwriting Data Manager Boston, MA Location: Waltham, MA (hybrid) ERGO NEXT's mission is to help entrepreneurs thrive. We’re doing that by building the only technology-led, full-stack provider of small business insurance in the industry, taking on the entire value chain and transforming the customer experience. Simply put, wherever you find small businesses, you’ll find ERGO NEXT. Since 2016, we’ve helped hundreds of thousands of small business customers across the United States get fast, customized and affordable coverage. We’re backed by industry leaders in insurance and tech, and we still have room to grow — that’s where you come in. Seize the opportunity to be a part of an exciting transition in the insurance industry! We're inviting an accomplished and forward-thinking data manager to join our AI Underwriting team. This pivotal role will have you innovating and developing groundbreaking digital underwriting features in partnership with our insurance, data, engineering, and machine learning teams. What You'll Do: - Manage a team of analysts, including training and guidance, establishing clear goals and responsibilities, and ongoing performance management - Manage the overall budget for underwriting third-party data. - Deliver substantial savings by identifying efficiencies and ways to in-house data services. - Own and drive the product roadmap for data integrations. - Serve as the key business connection for external data vendors. - Partner with the procurement team on vendor contract negotiations. - Collaborate with internal stakeholders to identify and onboard new external data vendors. - Manage the Proof of Concept process for testing and evaluating new data vendors. - Create detailed product requirements for services that leverage data integrations. - Define success criteria for Proofs of Concept and evaluate results in partnership with underwriting. - Prioritize PoCs and provide regular reporting on progress and outcomes to senior leadership. - Oversee vendor performance metrics and usage reporting, using results to inform strategic decisions. - Escalate critical vendor issues and maintain high-level relationships with vendor leadership. What We Need: - Budget Oversight: Proven experience in managing and tracking a data budget, including forecasting, monitoring monthly expenditures, and identifying areas to optimize spending. - Vendor Negotiation: Strong negotiation skills to secure favorable terms with data vendors, ensuring cost-effective solutions that meet business needs. - Relationship Management: Ability to build and maintain strong relationships with external data vendors, ensuring smooth collaboration and service delivery. - API Proficiency: Proficient in using API clients such as Postman to test, run, and troubleshoot API services. - Technical Documentation: Ability to read, understand, and apply API documentation for integration purposes. - Service Evaluation: Capability to assess new data services, including running Proof of Concepts (PoCs) to determine their fit for the company’s needs. - Roadmap Development: Experience in developing and maintaining a roadmap for data integrations, aligning with the company’s strategic goals and underwriting needs. - Executive Communication: Strong presentation skills to effectively communicate the integration roadmap and progress to executives and other senior stakeholders. - Cross-Functional Collaboration: Ability to work closely with internal stakeholders, including product, engineering, and underwriting teams, to ensure successful implementation of the roadmap. - Data Analysis: Ability to interpret vendor data using SQL or Python to validate performance and support strategic decisions. Note on Fraudulent Recruiting We have become aware that there may be fraudulent recruiting attempts being made by people posing as representatives of ERGO NEXT Insurance. These scams may involve fake job postings, unsolicited emails, or messages claiming to be from our recruiters or hiring managers. Please note, we do not ask for sensitive information via chat, text, or social media, and any email communications will come from the domain @next-insurance.com or @nextinsurance.com. Additionally, Next Insurance will never ask for payment, fees, or purchases to be made by a job applicant. All applicants are encouraged to apply directly to our open jobs via the careers page on our website. Interviews are generally conducted via Zoom video conference unless the candidate requests other accommodations. If you believe that you have been the target of an interview/offer scam by someone posing as a representative of Next Insurance, please do not provide any personal or financial information. You can find additional information about this type of scam and report any fraudulent employment offers via the Federal Trade Commission's website (https://consumer.ftc.gov/articles/job-scams), or you can contact your local law enforcement agency. The range displayed on this job posting reflects the minimum and maximum target for new hire base salaries for the position in the location(s) listed. Within the range, individual pay is determined by additional factors, including, without limitation, job-related skills, experience, and relevant education or training. ERGO NEXT employees are also potentially eligible for our annual performance-based incentive program, in addition to our benefits package, consisting of our partially subsidized medical plan, fully subsidized vision/dental options, life insurance, disability insurance, 401(k), flexible paid time off, parental leave and more. US annual base salary range for this full-time position: $152,000 - $179,000 USD Don’t meet every single requirement? Studies have shown that some underrepresented people are less likely to apply to jobs unless they meet every single qualification. At ERGO NEXT, we are dedicated to building a diverse, inclusive and respectful workplace, so if you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyways. You may be just the right candidate for this or other roles. One of our core values is 'Play as a Team'; this means making sure everyone has an equal chance to participate and make a difference. We win by playing together. ERGO Next Insurance is an equal opportunity employer and prioritizes building a diverse and inclusive workplace. We provide equal employment opportunities to all employees and applicants of any type and do not discriminate based on race, color, religion, national origin, gender, age, sexual orientation, physical or mental disability, genetic information or characteristic, gender identity and expression, veteran status, or other non-job-related characteristics or other prohibited grounds specified in applicable federal, state, and local laws. ERGO Next's policy is to comply with all applicable laws related to nondiscrimination and equal opportunity and will not tolerate discrimination or harassment based on any of these characteristics. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.