ABOUT HAPPY MONEY

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 Business Strategy Analyst to join the Risk & Analytics team! As part of the broader Data Intelligence org, you will partner with Data Science and Business Intelligence 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, parsimony over complexity, and curiosity over complacency.

This role will be responsible for utilizing quantitative research, business analytics, and data-informed decision-making 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 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
Drives solutions through defining requirements all the way to implementation with minimal guidance
Technical: 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
Prior experience in a startup

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

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 peopleops@happymoney.com.

Senior Business Strategy Analyst