Senior Capital Markets Analyst

ABOUT HAPPY MONEY

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.

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™.

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.

RESPONSIBILITIES

• 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

ABOUT YOU

• 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