Business Operations Analyst

ABOUT HAPPY MONEY 

Happy Money is designing a happier way of lending that helps borrowers achieve their goals and helps credit unions achieve greater impact. Our mission comes to life through our platform, which enables happier lending at scale by connecting consumers with financial institutions that keep their best interests at heart. Through this model, we also bring credit unions access to technology solutions, high-performing assets, and national reach to accelerate their impact on communities and help increase their strength and resilience. Backed by leading investors, Happy Money has helped over 300,000 borrowers since its inception – working with community-focused lending partners to fund more than $6 billion in loans*. Visit happymoney.com to learn more. *As of March 31, 2024

ABOUT THE ROLE 

The Business Operations Analyst is a critical part of the day-to-day business operations at Happy Money, specifically supporting the operations of our financial partners. This role reports to the Senior Manager of Business Operations and focuses on partner reporting related to loan portfolios, ensuring data accuracy by validating files and reports, and reconciling payment accounts. Happy Money derives recurring revenue from successfully collecting on loans throughout their life cycle, and this person is responsible for ensuring these activities are reported accurately. This individual also will engage directly with our partners, managing communications on issues and serve as the go-to-liaison for their questions. This position requires strong attention to detail, excellent communication skills, and exceptional problem-solving abilities. Additionally, this person will support the BizOps Senior Manager on partner reporting and other ad-hoc projects as needed.

• 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

• Have 3+ years of experience in an Accounting, Finance, Analytics, or Vendor/Investor reporting role
• Have strong attention to detail
• Be a critical thinker with the skills and ability to improve processes
• Be a problem solver with laser-like focus
• Have excellent interpersonal, verbal, and written communication skills 
• Be savvy working with multiple IT interfaces
• Have bank or cash reconciliation experience
• Have a customer-focused mindset with the ability to represent customer needs and priorities within the organization
• Be comfortable taking ownership of their work
• Have the ability to work across teams, and drive cross-functional alignment and problem-solving to produce deliverables
• Demonstrate a bias for action and an ability to adopt an iterative mindset (“progress over perfection”) while maintaining a strong awareness of legal/regulatory + customer needs as guardrails
• Have moderate Excel knowledge
• Have experience using SQL
• Have a Bachelor's Degree (preferably in Finance, Accounting, or Business Administration)

• Experience working with credit unions
• A deep understanding of loan accounting principles
• Knowledge of programming languages such as R or Python

• Generous medical, dental, and vision insurance options (one covered at 100% for you & family) and coverage on Day 1
• 401k Plan with a matching contribution 
• Generous PTO
• Monthly Health and Wellness Days
• 12 Weeks Paid Parental Leave
• Company paid short & long-term disability and life insurance
• Happy Home Allowance to contribute to your home office workspace
• Monthly tech stipend to help cover expenses for remote work
• Happy Money is a 100% fully distributed workforce

Happy 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 peopleops@happymoney.com.