[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 Happy 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 Sponsorship Happy 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.