Senior Capital Markets Analyst

About the Role

Happy Money is seeking a Senior Capital Markets Analyst to join the Capital Markets team, reporting directly to the Chief Capital Officer. This role supports and executes capital transactions that fund loan origination and scaling of The Payoff Loan™. The position involves managing institutional investor relationships, supporting asset-backed securitizations (ABS) and whole loan transactions, maintaining warehouse and forward flow facilities, and developing analytics and materials that support the external capital strategy. The role works cross-functionally with Credit, Risk, Engineering, Legal, Accounting, and Servicing teams.

Responsibilities

• Own portfolio performance analytics including cohort-level analysis, credit attribute segmentation, prepayment behavior, loss trend monitoring, and collateral performance forecasting; provide recommendations for transaction structuring and investor discussions
• Build, maintain, and improve reporting infrastructure for investor transparency, rating agency packages, internal capital planning, and facility compliance monitoring
• Support structuring, negotiation, and execution of forward flow agreements, warehouse credit facilities, and asset-backed securitizations
• Prepare and deliver investor diligence materials, data packages, and portfolio performance reports; respond to investor inquiries
• Monitor warehouse facility utilization, covenant compliance, and performance triggers; proactively flag and address issues
• Coordinate investor due diligence processes, manage timelines, and track cross-functional deliverables
• Collaborate with Credit & Risk, Product, Engineering, Legal, Accounting, and Servicing to ensure data integrity and seamless transaction execution

About You

• 3+ years of experience in structured finance, debt capital markets, ABS banking or trading, private credit, investment banking (FIG or ABS focused), rating agency, or online lending platform
• Bachelor’s degree in Finance, Economics, Mathematics, Engineering, or related quantitative field; advanced degree may substitute for experience
• Strong quantitative and analytical skills with proficiency in Excel
• Solid understanding of consumer credit asset classes, ABS structures, and key performance metrics (CPR, CDR, OC/IC triggers)
• Ability to independently analyze portfolio trends and recommend solutions
• Excellent written and verbal communication skills
• High attention to detail and ability to manage multiple workstreams
• Collaborative and resourceful approach in cross-functional environments

Bonus Points For

• Experience at a fintech lender, marketplace lending platform, or consumer credit-focused firm
• Advanced knowledge of SQL or Python for analytics and reporting automation

Benefits & Perks

• Generous medical, dental, and vision insurance options
• Eligible for Annual Bonus
• 401k plan with matching contribution
• Generous PTO including sick leave, vacation, and volunteer time
• 12 weeks paid parental leave
• Company-paid short and long term disability and life insurance
• Monthly tech stipend for remote work expenses
• 100% fully distributed workforce
• Base Salary Range: $115,000—$130,000 USD