[Remote] Senior Capital Markets Analyst

Note: The job is a remote job and is open to candidates in USA. Happy Money is a consumer finance company that empowers people to achieve their goals through simple, transparent loans. They are seeking a Senior Capital Markets Analyst to support and execute capital transactions, manage investor relationships, and collaborate across the organization to enhance the capital strategy.

Responsibilities

• Own portfolio performance analytics including cohort-level analysis, credit attribute segmentation, prepayment behavior, loss trend monitoring, and collateral performance forecasting — synthesizing findings into actionable recommendations for transaction structuring and investor conversations
• Build, maintain, and improve reporting infrastructure supporting investor transparency, rating agency packages, internal capital planning, and facility compliance monitoring — ensuring accuracy and timeliness with increasing independence
• Support the structuring, negotiation, and execution of capital markets transactions including forward flow agreements, warehouse credit facilities, and asset-backed securitizations, with growing ownership of defined workstreams
• Prepare and deliver investor diligence materials, data packages, and portfolio performance reports, serving as a knowledgeable point of contact for routine investor inquiries and data requests
• Monitor warehouse facility utilization, covenant compliance, and performance triggers across active credit facilities, flagging issues proactively and recommending actions within established frameworks
• Coordinate investor due diligence processes, managing timelines, tracking deliverables across internal teams, and ensuring a seamless experience for institutional counterparties
• Collaborate cross-functionally with Credit & Risk, Product, Engineering, Legal, Accounting, and Servicing to ensure data integrity, operational alignment, and seamless transaction execution

Skills

• 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 — you can assess a portfolio trend, identify the right analytical approach, and present a recommendation without step-by-step direction
• Excellent written and verbal communication skills — able to translate complex analyses into clear narratives for external investors and internal leadership
• High attention to detail and sound judgment, with the ability to manage multiple workstreams and exercise discretion within established procedures and practices
• Collaborative and resourceful, comfortable operating on a lean team and engaging across functions to get the information and alignment you need
• Prior experience at a fintech lender, marketplace lending platform, or consumer credit-focused firm
• Advanced knowledge of SQL or Python for portfolio analytics, reporting automation, or ad-hoc data analysis

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 Overview

Company H1B Sponsorship