[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.ResponsibilitiesOwn 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 conversationsBuild, maintain, and improve reporting infrastructure supporting investor transparency, rating agency packages, internal capital planning, and facility compliance monitoring — ensuring accuracy and timeliness with increasing independenceSupport 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 workstreamsPrepare and deliver investor diligence materials, data packages, and portfolio performance reports, serving as a knowledgeable point of contact for routine investor inquiries and data requestsMonitor warehouse facility utilization, covenant compliance, and performance triggers across active credit facilities, flagging issues proactively and recommending actions within established frameworksCoordinate investor due diligence processes, managing timelines, tracking deliverables across internal teams, and ensuring a seamless experience for institutional counterpartiesCollaborate cross-functionally with Credit & Risk, Product, Engineering, Legal, Accounting, and Servicing to ensure data integrity, operational alignment, and seamless transaction executionSkills3+ 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 platformBachelor's degree in Finance, Economics, Mathematics, Engineering, or a related quantitative field required; an advanced degree may substitute for experienceStrong 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 directionExcellent written and verbal communication skills — able to translate complex analyses into clear narratives for external investors and internal leadershipHigh attention to detail and sound judgment, with the ability to manage multiple workstreams and exercise discretion within established procedures and practicesCollaborative and resourceful, comfortable operating on a lean team and engaging across functions to get the information and alignment you needPrior experience at a fintech lender, marketplace lending platform, or consumer credit-focused firmAdvanced knowledge of SQL or Python for portfolio analytics, reporting automation, or ad-hoc data analysisBenefitsGenerous medical, dental, and vision insurance optionsEligible for Annual Bonus401k Plan with a matching contributionGenerous PTO including sick leave, vacation, volunteer, and more12 Weeks Paid Parental LeaveCompany-paid short & long term disability and life insuranceMonthly tech stipend to help cover expenses for remote workHappy Money is a 100% fully distributed workforceCompany OverviewHappy Money offers financial tools and services for human happiness. It was founded in 2009, and is headquartered in Tustin, California, USA, with a workforce of 51-200 employees. Its website is https://www.happymoney.com.Company H1B SponsorshipHappy Money has a track record of offering H1B sponsorships, with 1 in 2026, 2 in 2025, 10 in 2024, 14 in 2023, 26 in 2022, 35 in 2021, 16 in 2020. Please note that this does not guarantee sponsorship for this specific role.