Happy Money

Senior Capital Markets Analyst

Happy Money

full-time

Posted on:

Location Type: Remote

Location: United States

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Salary

💰 $115,000 - $130,000 per year

Job Level

Senior

About the role

  • 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

Requirements

  • 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
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
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
portfolio performance analyticscohort-level analysiscredit attribute segmentationprepayment behavior analysisloss trend monitoringcollateral performance forecastingreporting infrastructurecapital markets transactionsExcel proficiencyconsumer credit asset classes
Soft Skills
quantitative skillsanalytical skillswritten communicationverbal communicationattention to detailsound judgmentproblem-solvingcollaborationresourcefulnessindependence