Role Description Essa posição é para atuar na Ânima Holding - Buritis, que faz parte do Ecossistema Ânima, o maior e o mais inovador ecossistema de ensino de qualidade do país, com instituições espalhadas por todo o Brasil. Somos uma empresa em constante evolução, que enxerga em cada detalhe novas formas de promover a educação. - Conduzir análises estratégicas de mercado, concorrência e tendências do setor educacional, gerando direcionadores para tomada de decisão; - Liderar estudos de portfólio (abertura, manutenção, racionalização e transformação da oferta), considerando atratividade, posicionamento e sustentabilidade do negócio; - Estruturar análises de expansão geográfica e novos mercados, avaliando potencial de demanda, viabilidade e oportunidades estratégicas; - Construir narrativas executivas, materiais para comitês e apresentações para fóruns de liderança; - Atuar como articulador entre diferentes áreas da companhia (acadêmico, comercial, marketing, operações e regulatório), promovendo alinhamento e construção conjunta de soluções; - Traduzir dados complexos em recomendações estratégicas claras e acionáveis; - Conduzir projetos e estudos transversais com autonomia, apoiando a evolução das frentes estratégicas da companhia; - Apoiar a construção e evolução de metodologias, indicadores e modelos analíticos da área. Qualifications - Ensino superior completo em Administração, Economia, Engenharia, Estatística ou áreas correlatas; - Pós-graduação ou especialização será considerada diferencial; - Experiência consolidada em inteligência de mercado, planejamento estratégico, portfólio ou áreas correlatas; - Domínio avançado de Excel / Google Sheets; - Experiência robusta na construção de análises executivas e apresentações para diferentes públicos; - Vivência com análise de mercado, inteligência competitiva, modelagem de cenários e tomada de decisão orientada por dados; - Capacidade de estruturar problemas complexos e conduzir análises com autonomia; - Experiência em ambientes de alta interface e múltiplos stakeholders. Requirements - Visão estratégica e forte capacidade analítica; - Pensamento crítico e habilidade de síntese; - Capacidade de influência e articulação entre diferentes áreas; - Autonomia e protagonismo; - Perfil colaborativo, com forte senso de dono; - Facilidade para atuar em ambientes dinâmicos e de alta complexidade. Benefits - Bolsas de Estudos; - Indicação de 2 Bolsas de Estudos para quem preferir; - Programa de Bem-estar e Qualidade de Vida; - Totalpass; - Zenklub; - ECOA – Escola Corporativa Ânima, com + de 100 cursos livres e gratuitos; - Day-off no aniversário; - Abono de meio-período no aniversário do(a) filho(a) com até 16 anos; - Programa Valor das Pessoas: vale-presente para os educadores em fases marcantes de suas vidas, como casamento, nascimento e até mesmo uma nova titulação; - Assistência Médica; - Assistência Odontológica. Company Description Ah! Independente de cor, idade, gênero, orientação sexual, origem, religião ou qualquer outra característica, ou particularidade que tenha, se você tem desejo e energia para contribuir para a transformação de vidas por meio da Educação, aqui é o seu lugar! Seja um educador ou educadora no Ecossistema Ânima e venha transformar o país pela educação. Boa sorte!

• 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