Founded in 2009, Happy Money is a financial services company whose tools and services aim to help people change their relationship with money and transform from
Senior Capital Markets Analyst
Location
United States
Posted
2 days ago
Salary
$115K - $130K / year
Seniority
Senior
No structured requirement data.
Job Description
Senior Capital Markets Analyst
Happy Money
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.
Related Guides
Related Categories
Related Job Pages
More Analyst Jobs
• 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.
• Works with a team of internal and external professionals as a subject matter expert • Participates in planning and execution of team projects, assisting with setting strategic goals • Implements processes and uses necessary tools to enhance project execution and drive consistent performance improvements • Conducts research of program areas/topics defined by management; participates in internal and external focus groups • Utilizes experience to identify appropriate reports, rules, and regulations for drafting vulnerability reports • Meets regularly with teams to discuss current and future projects; advises teams and management • Contributes to final written product presented to stakeholders; proofreads written products of team members • Serves as a productive member of external and internal teams to ensure all deadlines for deliverables are met • Briefs management on projects, including completion timelines and potential difficulties • Provides clinical input as a Subject Matter Expert for program integrity and program vulnerability • Identifies and mitigates risks proactively, implementing strategies to ensure continuity of project execution • Participates in project reporting and performance analysis, ensuring accuracy of project data
QA Analyst
Midorick SolutionsHire and Expand your team members in the AST/ET time zone. We manage payroll, local taxes, and more!
Role Description We are seeking for our US fintech client a QA Analyst (Automation) to join the QA team. This role is focused on ensuring product quality and reliability through the development and execution of automated test frameworks, while also supporting manual testing where needed. - Work closely with engineering, product, and QA teams to validate functionality, improve automation coverage, and maintain high-quality releases across our platform. - Design, build, and maintain scalable test automation frameworks. - Develop and execute automated test scripts across web, desktop, and API layers. - Convert manual test cases into efficient, maintainable automated tests. - Perform regression and smoke testing to ensure product stability. - Debug and enhance existing automation code and frameworks. - Support CI/CD integration for automation pipelines (e.g., Jenkins, Maven, TestNG). - Conduct API testing using tools such as Postman or JMeter. - Partner with engineering and product teams to identify, document, and resolve defects. - Ensure reliability and accuracy of automation test runs, including overnight executions. Qualifications - 4+ years of experience in software testing, with a strong focus on automation. - Hands-on experience with automation tools (e.g., Selenium or similar). - Strong understanding of programming and scripting concepts. - Experience building and maintaining test scripts for web and desktop applications. - Experience with API testing and related tools. - Familiarity with CI/CD environments and automation infrastructure. - Solid understanding of SDLC and Agile development methodologies. - Proven ability to work independently and manage priorities effectively. Requirements - Bachelor’s degree in Computer Science, Engineering, or a related field. - Strong written communication skills, particularly in documenting test cases and defects. - Experience leading or contributing to automation efforts for complex features or modules. Benefits - All additional benefits by Dominican Law (13th Salary, etc.). - Private Health Insurance. - Paid Time Off. - Work From Home.




