eCapital Corp.

Analyst

• Analyzing financial health and facilitating lending activities for a portfolio of borrowers.
• Analyzing borrower operating and financial information, preparing client borrowing files, identifying risks and presenting findings.
• Collaborating with Portfolio Managers and other Credit Analysts.
• Performing thorough analysis of borrower financial condition.
• Reporting findings that may indicate new or emerging risks.

Credit Analyst

Risk

• The Head of Credit & Risk will be responsible for owning and overseeing the credit risk function for a transportation factoring company. This includes developing credit policies, managing the credit underwriting and portfolio risk, and ensuring the soundness of credit decisions. Key Responsibilities: Leadership & Oversight Act as the functional head for Credit & Risk Lead, train, and mentor the credit and underwriting team. Collaborate with Sales, Operations, and Funding to support growth without compromising risk standards. Ensure compliance with internal and external audit requirements, regulatory standards, and best practices. Policy & Strategic Development Drive overall credit & risk strategy for Transportation Factoring group Innovate, automate and lead improvements using internal and external technology, scoring models, and decision frameworks. Recommend strategic initiatives to enhance risk-adjusted profitability. Participate in executive-level decisions regarding pricing, client onboarding, and new market segments. Work across the eCapital Group and support corporate initiatives as appropriate. Credit Risk Management Develop, implement, and monitor credit policies and procedures tailored to transportation factoring. Maintain and manage the company's risk appetite, portfolio limits, and exposure levels. Oversee the credit approval process and ensure sound underwriting practices. Review and approve large or high-risk transactions beyond underwriter limits. Monitor concentration risk by client, debtor, industry, and geography. Portfolio Management Continuously assess and report on the health of the client portfolio, including delinquency trends, charge-offs, and recoveries. Oversee the monitoring of debtor credit quality and performance. Proactively identify potential risks and recommend mitigation strategies.

Head of Credit and Risk – Transportation Factoring

Data Engineer

• The Opportunity: eCapital is seeking a Data Architect to lead the modernization of our data and calculation systems that underpin our factoring business. The first and most critical initiative will be to optimize and re-architect a legacy SQL Server–based system of stored procedures that currently drives account summaries, one of our most important calculations. This role requires a forward-looking architect who can both stabilize performance today and design a scalable foundation for tomorrow. The ideal candidate will have deep expertise in SQL performance tuning , high-volume transaction processing , and modern distributed data architectures . You will help us transition from monolithic, tightly coupled stored procedures into a microservices-based, sharded, and parallelizable calculation platform that can handle our expected transaction growth. Key Responsibilities: System Modernization & Optimization Analyze, refactor, and optimize legacy SQL Server stored procedures to achieve measurable improvements in performance, reliability, and maintainability. Identify bottlenecks in current calculation processes (particularly account summary generation) and design targeted improvements. Architecture & Design Define and implement a microservices architecture that distributes calculations across shards, enabling parallel processing at scale. Establish standards for data modeling, data distribution, and data access patterns to ensure consistent performance as volumes grow. Introduce caching, partitioning, and query optimization strategies to ensure low-latency response times. Scalability & Performance Develop strategies for handling high transaction throughput, ensuring solutions scale linearly with volume expansion. Work closely with DevOps and infrastructure teams to implement resilient, cloud-ready solutions. Collaboration & Leadership Partner with business stakeholders to ensure architectural choices align with factoring business needs. Provide technical leadership and mentorship to developers, data engineers, and analysts. Champion best practices in data architecture, including data governance, quality, and security.

Data Architect

Marketing

• Lead strategic marketing initiatives for the Transportation Division, supporting financial products and services tailored to trucking companies
• Develop and execute comprehensive go-to-market plans for products and programs, new and existing
• Create and manage transportation-focused marketing collateral, including brochures, one-pagers, email campaigns, web content, and case studies
• Use data and analytics to measure and optimize campaign effectiveness; identify trends and make data-driven decisions to improve outcomes
• Develop communication strategies that position key division members as industry experts—creating presentations, blog posts, social media content, and other materials that elevate eCapital’s authority within the transportation and financial services sectors
• Continuously evolve marketing strategies and programs to ensure growth and competitiveness in the transportation financing space
• Maintain consistent brand messaging and voice across all marketing channels
• Stay informed on transportation industry trends, regulatory changes, and the competitive landscape to guide marketing strategy
• Collaborate cross-functionally with sales, creative teams and SMEs; work within a metrics-based Marketing team to drive business and revenue

Credit Analyst

Head of Credit and Risk – Transportation Factoring

Data Architect

Marketing Manager