Senior Business Strategy 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

Happy Money is looking for a talented Senior Business Strategy Analyst to join the Risk & Analytics team! As part of the broader Data Intelligence org, you will partner with Data Science and Business Intelligence to monitor, revise, and execute strategic directives to optimize our lending practices and lending policies. We are a tight-knit team that values progress over perfection, systems over goals, parsimony over complexity, and curiosity over complacency. 

This role will be responsible for utilizing quantitative research, business analytics, and data-informed decision-making to draw strategic insights using data and analysis to inform decisions and support the company's overarching strategic goals relative to loss prevention and profit optimization.

• Identify and define key business metrics (i.e. eligible demand, conversion rates, loss actuals v. forecasts) that keep the company moving forward with confidence. 
• Own policies throughout the lending process including frontline decisioning, pricing, fraud, verifications, and servicing.
• Manage portfolio health and loan performance and working cross-functionally with teams such as Product, Operations and Financial Partner teams
• Understand credit risk, monitor performance of strategies and portfolio while documenting and communicating results, escalating issues as they arise
• Uncover opportunities to grow the business in a sustainable and responsible manner by mitigating risk, protecting partner returns, and putting members in the best position to succeed financially.

• 2-4 years of related experience
• Business acumen and work experience in the Consumer Lending Business 
• High-caliber critical thinking and problem solving skills for all kinds of business problems
• Consistently demonstrates high levels of domain expertise
• Drives solutions through defining requirements all the way to implementation with minimal guidance
• Technical: experience with SQL, Tableau, and R/Python
• Provides subject matter expertise insights and guidance to team members
• Experience presenting to Executive and Senior Leadership

• Advanced degree in a quantitative field, such as math, economics, CS, engineering, physics, etc
• Prior experience in fintech, big tech (financial product role) or financial services
• Prior experience in a startup

• Generous medical, dental, and vision insurance options 401k Plan with a matching contribution 
• Flexible 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.