Senior Capital Markets Analyst

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. View our Employee Privacy Policy here. 

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™.

You will work alongside senior leadership to manage institutional investor relationships, support asset-backed securitizations (ABS) and whole loan transaction execution, maintain warehouse and forward flow facilities, and build the analytics and materials that underpin our external capital strategy. 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.

The ideal candidate brings a foundational understanding of structured finance or consumer credit, sharp analytical instincts, strong relationship skills, and a genuine alignment with Happy Money's mission.

• 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
• Monitor warehouse facility utilization, covenant compliance, and performance triggers across active credit facilities, flagging issues proactively and recommending actions within established frameworks
• Coordinate investor due diligence processes, managing timelines, tracking deliverables across internal teams, and ensuring a seamless experience for institutional counterparties
• Collaborate cross-functionally with Credit & Risk, Product, Engineering, Legal, Accounting, and Servicing to ensure data integrity, operational alignment, and seamless transaction execution

• 3+ years of relevant experience in structured finance, debt capital markets, ABS banking or trading, private credit, investment banking (FIG or ABS focused), rating agency, or an online lending platform
• 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
• Excellent written and verbal communication skills — able to translate complex analyses into clear narratives for external investors and internal leadership
• High attention to detail and sound judgment, with the ability to manage multiple workstreams and exercise discretion within established procedures and practices
• Collaborative and resourceful, comfortable operating on a lean team and engaging across functions to get the information and alignment you need

• Prior experience at a fintech lender, marketplace lending platform, or consumer credit-focused firm
• Advanced knowledge of SQL or Python for portfolio analytics, reporting automation, or ad-hoc data analysis

• Generous medical, dental, and vision insurance options 
• Eligible for Annual Bonus
• 401k Plan with a matching contribution
• Generous PTO including sick leave, vacation, volunteer, and more
• 12 Weeks Paid Parental Leave
• Company-paid short & long term disability and life insurance
• Monthly tech stipend to help cover expenses for remote work
• Happy Money is a 100% fully distributed workforce