Senior Capital Markets Analyst

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

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

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

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

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