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 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.
\n KEY RESPONSIBILITIESIdentify 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 teamsUnderstand credit risk, monitor performance of strategies and portfolio while documenting and communicating results, escalating issues as they ariseUncover 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 YOU2-4 years of related experienceBusiness acumen and work experience in the Consumer Lending Business High-caliber critical thinking and problem solving skills for all kinds of business problemsConsistently demonstrates high levels of domain expertise such as underwriting of unsecured consumer loansDrives solutions through defining requirements all the way to implementation with minimal guidanceTechnical: High level of experience with SQL, Tableau, and R/PythonProvides subject matter expertise insights and guidance to team membersExperience presenting to Executive and Senior Leadership BONUS POINTSAdvanced degree in a quantitative field, such as math, economics, CS, engineering, physics, etcPrior experience in fintech, big tech (financial product role) or financial services BENEFITS & PERKSGenerous medical, dental, and vision insurance options 401k Plan with a matching contribution Flexible PTOMonthly Health and Wellness Days12 Weeks Paid Parental LeaveCompany-paid short & long term disability and life insuranceHappy Home Allowance to contribute to your home office workspaceMonthly tech stipend to help cover expenses for remote workHappy Money is a 100% fully distributed workforce
\n$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. \nHappy 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 ******** .