Senior Capital Markets Analyst

🕒 Junho 16

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $115.000 - $130.000 / ano

⏰ Tempo Integral

🟠 Sênior

🧐 Analista

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Happy Money

SiteLinkedInTodas as Vagas

201 - 500 funcionários

Fundada em 2009

💸 Finanças

💳 Fintech

Finance • Fintech

A Happy Money é uma fornecedora de empréstimos pessoais que se concentra em ajudar indivíduos a alcançar seus objetivos financeiros com uma abordagem de empréstimo transparente e focada na comunidade. Oferecendo empréstimos entre $5. 000 e $40. 000, a Happy Money visa promover o bem-estar financeiro, incentivando os tomadores a quitar dívidas e gerenciar melhor suas finanças. A empresa enfatiza um processo de aplicação simples com taxas competitivas e parcerias colaborativas para melhorar a experiência de empréstimo para seus membros.

Descrição

• 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

🎯 Requisitos

• 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.

🏖️ Benefícios

• 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