Happy Money

Business Operations

• Report on loan origination and servicing activities, including partner reporting related to loan operations, and maintenance and development of reports
• Coordinate projects between internal departments (Engineering, Accounting and Finance, Operations, Member Experience)
• Serve as the point of contact for external vendors (banks, custodians, administrators)
• Focus on continuous process improvement through automation and increased efficiency
• Track and ensure the accuracy of loan servicing reports and files
• Reconcile bank accounts daily
• Track and validate the remittance of funds between Happy Money and our vendors
• Communicate with banks to understand posting discrepancies
• Investigate and identify issues as they arise; work with internal departments to identify the root cause
• Test process improvements with engineering and product support
• Engage directly with capital partners to remediate reporting issues

Business Operations Analyst

Financial Planning and Analysis

• Own the P&L forecast cycles, and long-range planning.
• Build integrated, driver-based financial models across originations, pricing, and funding.
• Run scenario and sensitivity to assess pricing, credit, CAC, and capital impacts.
• Deliver probabilistic forecasts that quantify variance risk and communicate upside and downside cases with clear drivers.
• Own monthly reporting including KPI packs, variance analysis, cohort and vintage performance, contribution margins, and liquidity outlook.
• Establish accountability rhythms across Marketing, Sales, and Operations.
• Partner with Accounting on close, flux reviews, and forecast to actual reconciliations to ensure data integrity.
• Develop analyses for new products, pricing tests, policy changes, and investments.
• Partner with Product, Operations, and Risk to align models to inform business strategy.
• Partner with Capital Markets on funding, liquidity, and scenario modeling and planning.
• Own companywide expense planning and drive accountability to budgets and margin improvement.
• Partner with leaders on vendor selection, contracts, and spend optimization.
• Track savings and embed ROI-focused decision-making into approvals and forecasts.
• Enhance FP&A reporting and data infrastructure, using SQL or Python for large datasets, and partnering with BI team on reliable pipelines and metrics.
• Introduce forecasting and planning software where appropriate to drive automation.
• Lead Board package, ELT, and investor reporting with clear narratives and visuals.
• Support capital raises, M&A modeling and integration planning.
• Lead, develop and scale a lean FP&A team.
• Establish clear objectives, operating cadences, and quality standards for forecasting, modeling, and reporting to ensure consistency, accuracy, and actionable insight.
• Foster a culture of curiosity, precision, and partnership across Finance and the business.

Director of Finance

Administration

• Design, build, and maintain scalable HubSpot workflows for lead nurturing, scoring, and lifecycle stage transitions.
• Configure custom objects, properties, and pipelines to reflect business requirements.
• Leverage HubSpot’s CRM and Marketing Hub tools to improve data structure, segmentation, and marketing operations efficiency.
• Create custom forms, landing pages, and email journeys to support awareness, upsell, and re-engagement campaigns.
• Familiarity with HubSpot custom objects, HUBDB, and technical configuration (DNS, domains, authentication)
• Integrate HubSpot with external tools like Salesforce Marketing Cloud, LoanPro, Zapier, and third-party APIs.
• Ensure seamless data syncing, troubleshoot integration issues, and build custom API solutions as needed.
• Support technical setup including DNS/domain configuration, email login and verification, opt-outs, and authentication flows.
• Launch marketing campaigns through HubSpot Marketing Hub: create landing pages, forms, email sequences, and SMS journeys.
• Connect and manage paid ads, social media, and conversion tracking tools.
• Collaborate with product and content teams to support awareness, upsell, and remarketing initiatives.
• Build and maintain custom reports and dashboards in HubSpot to monitor campaign performance and funnel KPIs.
• Analyze performance using Google Analytics, Looker Studio, Tableau, and other tools to drive strategic decisions.
• Translate analytics into actionable insights to improve lead quality, engagement, and conversion.

HubSpot Administrator – Contract

Customer Success Manager

• Support our sales team in managing relationships with new and existing partners
• Support existing relationships by ensuring strong, ongoing communication and day to day needs
• Act as a key liaison between the Financial Partners team, capital partners , and other cross-functional teams within Happy Money
• Support retention and optimization of capital partners, staying tightly aligned to shared goals with the assigned Sales Executive(s)
• Understand the landscape of today’s financial system (credit scoring, borrowing and saving, wealth management, insurance, payments, currency) leverage the changing environment to inspire followership from our Partners

Partner Success Specialist – B2B

Data Scientist

• Build machine learning models for prescreen direct mail campaign targeting; your models will directly impact customer acquisition and lending decisions
• Perform rigorous model calibration to ensure predicted probabilities accurately reflect actual outcomes and drive reliable business decisions
• Design, implement, and deploy innovative data science solutions to bring data-driven prescreen strategies to life at scale
• Collaborate cross-functionally with Marketing, Risk Analytics, Product, and Engineering teams to translate analytical insights into executable strategies
• Monitor and optimize campaign performance metrics (response rates, conversion rates, approval rates, ROI) with continuous improvement

Data Scientist – Contract

• Lead financial reporting to provide key stakeholders with visibility into company performance and expense management.
• Own forecasting and budgeting processes, working closely with department leads to ensure accurate financial projections.
• Analyze monthly and quarterly financial performance, identifying key trends, variances, and business drivers.
• Create dynamic financial models to support business planning and scenario analysis.
• Partner with business leaders to track key performance indicators (KPIs), providing data-driven recommendations.
• Support corporate financial deliverables, including business reviews and board presentations.
• Assist in month-end and quarter-end financial close processes, collaborating with Accounting to analyze financial results.
• Maintain a system for tracking vendor renewals, and work cross functionally to identify cost saving opportunities as they arise.

Senior Financial Analyst

Analyst

• Optimize our conversion rate by continuously streamlining our origination process and improving user experience.
• Lead efforts to improve automation opportunities while balancing risk and customer experience.
• Manage and optimize existing strategies effectively by designing A/B tests to understand the right risk-return balance.
• Identify and evaluate new vendors / data sources and create business cases and present them to senior management.
• Conduct ad-hoc analysis related to risk management, product, and operations.
• Develop and implement credit strategies leveraging data, machine learning models and advanced analytics tools to mitigate losses and maintain excellent customer experience.
• Continue to innovate by testing new data, analytical approaches and models.
• Monitor and analyze portfolio performance at a granular segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance drivers.
• Communicate findings and recommendations to the Risk Management and broader Happy Money community in a clear and concise manner.

Senior Lead Analyst – Pricing and Conversion

Business Analyst

• Develop and implement fraud strategies leveraging data, machine learning models and advanced analytics tools to mitigate fraud losses and maintain superior customer experience.
• Manage and optimize existing strategies effectively controlling risks due to first party and third-party fraud.
• Design A/B tests and understand the risk and customer experience trade-offs.
• Lead fraud forecasting and budgeting activities by modeling fraud losses, operational impacts, and fraud trend assumptions.
• Lead the efforts to constantly iterate and improve existing strategies while identifying additional automation opportunities.
• Continue to innovate by testing new data, analytics approaches and models.
• Monitor and analyze portfolio performance at a granular segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance drivers.
• Communicate findings and recommendations to the Risk Team&amp;nbsp; and the broader Happy Money community.
• Identify and evaluate new vendors/data sources and create business cases and present them to senior management.
• Partner with Product, Marketing, Engineering and external vendor teams to implement strategies and monitor the strategy performance.
• Bring innovative/out of the box thinking to solve problems and make recommendations.
• Conduct ad-hoc analysis related to risk management, product, operations.
• Drive feedback loops using member complaints, bureau data, and operations insights to improve fraud detection performance.
• Provide subject matter expertise during fraud incidents, investigations, and root cause analyses.