Sr Credit Analyst, Capital Portfolio Analytics

About Flexport

At Flexport, we believe global trade can move the human race forward. That’s why it’s our mission to make global commerce so easy there will be more of it. We’re shaping the future of a $10T industry with solutions powered by innovative technology and exceptional people. Today, companies of all sizes – from emerging brands to Fortune 500s – use Flexport technology to move more than $19B of merchandise across 112 countries a year.

As a Senior Credit Analyst, Portfolio Analytics, you will play a pivotal role in Flexport Capital’s portfolio management strategy. This is a hybrid role sitting at the intersection of hands‑on credit stewardship and data‑driven innovation
. You won’t just analyze high‑level trends; you will actively manage the monthly financial review process, lead diligence on flagged accounts, and own the operational compliance stack. You will be the first line of defense in monitoring portfolio health while simultaneously building the tools and dashboards that make that monitoring scalable.

• Lead Portfolio Reviews & Diligence:
  Manage the monthly financial review process for the entire customer base. Direct Associate support for data gathering, but be responsible for the analysis, knowing exactly what red flags to look for in financial statements.
• Conduct Active
  
  Risk Management:
  
  Identify deteriorating credits or anomalies and immediately trigger deeper reviews. Prepare for and lead diligence calls with borrowers to investigate issues and determine necessary actions.
• Prepare Credit Modifications:
  Evaluate requests from Business Development for line increases, term adjustments, or other modifications. Write the loan modification templates/memos and provide the credit diligence and justification for recommendations.
• Own Compliance & Operations:
  Oversee and improve our KYB/KYC, UCC lien filing, and lien management processes. Ensure strict compliance and proactively suggest new vendors, products, or process improvements to streamline operations.
• Build & Maintain Analytics:
  Design portfolio monitoring dashboards that aggregate credit, collateral, and operational data. Continue to use tools (SQL, Python, Looker) to automate data ingestion and anomaly detection.
• Analyze Trends:
  Monitor borrower and portfolio trends – including CRR migration, LGD, DSO, and exposure concentration – to inform repricing or mitigation strategies.
• Drive Process Improvement:
  Continuously improve internal reporting and data quality, ensuring our tools serve as a reliable "single pane of glass" for portfolio risk visibility. Use available low‑code and analytical tools (SQL, Python, Airtable, Looker, or Power Automate) to automate data ingestion, anomaly detection, and risk flag generation.

• 3–7 years of experience in commercial lending, credit risk, or portfolio management (Asset‑Based Lending or Working Capital experience is highly preferred).
• Hands‑on Credit
  
  Experience:
  
  Experience manually reviewing financial statements, identifying risk factors, and writing credit memos or loan modification justifications. Comfortable getting on the phone with a CFO to ask hard questions.
• Operational Knowledge:
  Familiarity with the mechanics of lending operations, including KYB/KYC regulations, UCC lien perfection, and compliance management.
• Technical Proficiency:
  Proven experience leveraging data analytics tools (SQL, Power BI, Tableau, Looker) to analyze portfolios.
• Low‑Code/Automation
  
  Skills:
  
  Working knowledge of tools like Power Automate, Airtable, or Zapier to build scalable processes is a strong plus.
• Communication
  
  Skills:
  
  Excellent verbal and written communication skills to articulate credit rationale to the Risk Committee and partner effectively with BD and Ops.
• Education:
  
  Bachelor’s degree in Finance, Business, Data Analytics, or a related field (MBA or CFA is a plus).

You’ll be joining Flexport Capital, a high‑velocity fintech unit operating with the agility of a startup and the data advantage of a global logistics leader. This is a hands‑on environment for builders, not just observers. You won’t just monitor algorithms; you’ll be in the trenches of deal structuring, operational…