Happy Money is a leading consumer finance company dedicated to helping people achieve their goals through responsible lending. Through its fully-digital platform, Happy Money partners with credit unions, banks and asset managers to originate high-quality credit solutions, diversify their portfolios and expand their impact and reach nationwide.

Backed by investors like TruStage Ventures, Happy Money enables financial institutions to grow as a force for good in their communities while helping people use money as a tool for their happiness. Together with their community-focused capital partner network, Happy Money has originated over $6 billion in loans representing more than 300,000 members who have taken greater control of their financial futures. Learn more at happymoney.com.

ABOUT THE ROLE

Happy Money is looking for a talented Senior Credit Risk and Policy Analyst to join the Risk & Analytics team! As part of the broader Risk, Science, and Analytics org, you will partner with Data Science to monitor, revise, and execute strategic directives to optimize our lending practices and lending policies. We are a tight-knit team that values progress over perfection, systems over goals, simplicity over complexity, and curiosity over complacency.

This role will be responsible for utilizing credit bureau data, business analytics, and loan performance to draw strategic insights using data and analysis to inform decisions and support the company’s overarching strategic goals relative to loss prevention and profit optimization.

KEY RESPONSIBILITIES

    • Identify and define key business metrics (i.e. eligible demand, conversion rates, loss actuals v. forecasts) that keep the company moving forward with confidence. 
    • Own credit policies throughout the lending process including frontline decisioning, pricing, fraud, verifications, and servicing.
    • Manage portfolio health and loan performance and working cross-functionally with teams such as Product, Operations and Financial Partner teams
    • Understand credit risk, monitor performance of strategies and portfolio while documenting and communicating results, escalating issues as they arise
    • Uncover opportunities to grow the business in a sustainable and responsible manner by mitigating risk, protecting partner returns, and putting members in the best position to succeed financially.

ABOUT YOU

    • 2-4 years of related experience
    • Business acumen and work experience in the Consumer Lending Business 
    • High-caliber critical thinking and problem solving skills for all kinds of business problems
    • Consistently demonstrates high levels of domain expertise such as underwriting of unsecured consumer loans
    • Drives solutions through defining requirements all the way to implementation with minimal guidance
    • Technical: High level of experience with SQL, Tableau, and R/Python
    • Provides subject matter expertise insights and guidance to team members
    • Experience presenting to Executive and Senior Leadership

BONUS POINTS

    • Advanced degree in a quantitative field, such as math, economics, CS, engineering, physics, etc
    • Prior experience in fintech, big tech (financial product role) or financial services

BENEFITS & PERKS

    • Generous medical, dental, and vision insurance options 401k Plan with a matching contribution 
    • Flexible PTO
    • Monthly Health and Wellness Days
    • 12 Weeks Paid Parental Leave
    • Company-paid short & long term disability and life insurance
    • Happy Home Allowance to contribute to your home office workspace
    • Monthly tech stipend to help cover expenses for remote work
    • Happy Money is a 100% fully distributed workforce

$95,000 – $120,000 a year

Happy Money offers a competitive salary range tailored to individual qualifications, experience, and role fit, reflecting our commitment to fair compensation practices.

Happy Money is committed to a diverse and inclusive workplace. Happy Money is an equal opportunity employer and does not discriminate based on race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. For individuals with disabilities who would like to request an accommodation, please email [email protected].