• Support the development, implementation, and management of the company's compensation programs. • Analyze compensation data, conduct market research, and ensure that compensation practices are competitive and equitable. • Conduct analyses of compensation data to ensure internal equity and external competitiveness, evaluating salary structures, job roles, and packages with recommendations as needed. • Perform market research and benchmarking, analyzing trends and providing recommendations based on industry data. • Assist in developing, maintaining, and aligning job families, salary ranges, and pay structures with organizational goals and market practices. • Prepare and maintain accurate reports and data on compensation metrics, trends, and comparisons, ensuring data integrity across systems. • Ensure compliance with federal, state, and local regulations, monitoring changes and implementing necessary adjustments. • Support the design, management, and evaluation of incentive and bonus programs, recommending improvements. • Provide guidance and respond to employee and management inquiries on pay structures, adjustments, and incentive programs with clear communication. • Identify and implement process improvements to enhance the efficiency and effectiveness of compensation operations. • Collaborate with HR, finance, and other departments to align compensation practices with organizational objectives and support related projects. • Assist with total rewards initiatives, including benefits, wellness programs, and employee perks, ensuring integration with compensation strategies. • Support the evaluation and implementation of Workday modules related to compensation and total rewards programs.

Role Description 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 - 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. Qualifications - 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 - Excellent written and verbal communication skills - High attention to detail and sound judgment - Collaborative and resourceful, comfortable operating on a lean team Requirements - Own portfolio performance analytics including cohort-level analysis, credit attribute segmentation, prepayment behavior, loss trend monitoring, and collateral performance forecasting - Build, maintain, and improve reporting infrastructure supporting investor transparency, rating agency packages, internal capital planning, and facility compliance monitoring - Support the structuring, negotiation, and execution of capital markets transactions including forward flow agreements, warehouse credit facilities, and asset-backed securitizations - Prepare and deliver investor diligence materials, data packages, and portfolio performance reports - Monitor warehouse facility utilization, covenant compliance, and performance triggers across active credit facilities - Coordinate investor due diligence processes, managing timelines and tracking deliverables across internal teams - Collaborate cross-functionally with Credit & Risk, Product, Engineering, Legal, Accounting, and Servicing Benefits - 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 Company Description 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.

• Process and Underwrite Conforming Conventional • FHA • VA • USDA and Jumbo Loans • Ensure loan files meet all company • investor • state • and federal guidelines by verifying documentation • analyzing risk • determining conditions • and issuing approval or denial decisions • Works collaboratively with internal partners to ensure quality loans • Strong customer service • and adherence to productivity and quality control standards • Organize • compile • verify • and analyze mortgage loan files • Determine loan eligibility • conditions • approvals • or denials in compliance with guidelines • Communicate decisions clearly and meet departmental productivity and quality standards • Review residential loan applications for completeness • accuracy • and compliance • Calculate income • check for garnishments • review assets for large deposits • gifts • loans not on the credit report • Review appraisal to ensure accuracy and completeness • Contact borrower for any additional information required

• Assesses calls to provide service immediately, be transferred, or require follow-up for client resolution. • Identifies customer needs by referring to case notes and examining each as a specific case. • Performs routine call center activities concerning business products and services. • Uses standard scripts and established guidelines while under supervision, to meet SLAs. • Provides customers with information that is specialized. • Communicates in a warm and empathetic manner. • Gathers all necessary information to update the database. • Escalates issues to senior levels, based on complaints or concerns. • Explains company policies to customers. • Responsible for the end-to-end resolution of customer issues. • Performs other duties as assigned. • Complies with all policies and standards.