Happy Money

Senior Capital Markets Analyst

Remote, USA · Senior

Sponsorship not specified$115k-$130kDetected 36 days ago

NegotiationAccountingForecastingExcel

About the role

Happy Money is seeking a Senior Capital Markets Analyst to join our growing Capital Markets team, reporting directly to the Chief Capital Officer.
This is a high-impact, cross-functional role at the heart of Happy Money's funding strategy - responsible for supporting and executing the capital transactions that fuel our ability to originate and scale The Payoff Loan™.
This role offers direct exposure to the Chief Capital Officer and deep engagement across the organization - from Credit and Risk to Engineering, Legal, and Servicing.

Own portfolio performance analytics including cohort-level analysis, credit attribute segmentation, prepayment behavior, loss trend monitoring, and collateral performance forecasting - synthesizing findings into actionable recommendations for transaction structuring and investor conversations
Build, maintain, and improve reporting infrastructure supporting investor transparency, rating agency packages, internal capital planning, and facility compliance monitoring - ensuring accuracy and timeliness with increasing independence
Support the structuring, negotiation, and execution of capital markets transactions including forward flow agreements, warehouse credit facilities, and asset-backed securitizations, with growing ownership of defined workstreams
Prepare and deliver investor diligence materials, data packages, and portfolio performance reports, serving as a knowledgeable point of contact for routine investor inquiries and data requests
Collaborate cross-functionally with Credit & Risk, Product, Engineering, Legal, Accounting, and Servicing to ensure data integrity, operational alignment, and seamless transaction execution
High attention to detail and sound judgment, with the ability to manage multiple workstreams and exercise discretion within established procedures and practices

Bachelor's degree in Finance, Economics, Mathematics, Engineering, or a related quantitative field required
an advanced degree may substitute for experience
Strong quantitative and analytical skills with proficiency in Excel and a solid understanding of consumer credit asset classes, ABS structures, and key performance metrics (CPR, CDR, OC/IC triggers)
Demonstrated ability to work on problems of moderate scope independently - you can assess a portfolio trend, identify the right analytical approach, and present a recommendation without step-by-step direction
Bachelor's degree in Finance, Economics, Mathematics, Engineering, or a related quantitative field required; an advanced degree may substitute for experience

Happy Money is a consumer finance company that empowers people to achieve their goals through simple, transparent loans funded by trusted financial institutions.
Through its proprietary lending platform, Hive, Happy Money delivers a fully digital experience that simplifies borrowing for consumers and helps credit unions, banks and asset managers diversify balance sheets and scale with confidence.
Happy Money's end-to-end loan origination and participation programs provide partners with turnkey access to high-performing assets, underpinned by disciplined credit expertise and robust risk management.
Together with its lending partners, Happy Money has originated more than $6.5 billion in loans to help nearly 350,000 people take greater control of their financial futures.
Learn more at happymoney.com.

This listing is sourced directly from Happy Money's careers page and normalized into a canonical job model.