ABOUT HAPPY MONEY 

Happy Money® is building a happier and more equitable financial ecosystem that seamlessly blends psychology, technology, and a focus on happiness to help consumers go from borrower to saver, investor, and giver. The company provides a path toward improving financial well-being and securing greater happiness – beginning with paying off credit card debt – through its science-enabled, purpose-driven marketplace between mission-aligned capital and consumers.

Backed by leading investors including Anthemis Group, Tencent Holdings and CMFG Ventures, Happy Money has helped nearly 150,000 members pay off more than $2.7 billion in credit card debt since inception through its award-winning Payoff Loan™. Founded in 2009, Happy Money has a diverse employee base of over 350 people across the United States.

ABOUT THE ROLE

Reporting into the Senior Director, Strategic Partnerships, the Transaction Manager’s mission at Happy Money is to deliver value to our Capital Markets Partners through execution and ongoing management/reporting associated with Loan Participation trades and forward flow.

WHAT YOU'LL DO

• 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 by leveraging Happy Money as their exclusive digital brand
• Care deeply about the vision and mission of the company, about the product, about the members, and most of all about the people on the team
• Pulling loan tapes and assist in pricing loan pools, collaborating with the Risk and Analytics team
• Supporting/Confirming reporting goes out on time and is correct to trading partners
• Customize presentations and sales materials to support Partner acquisition
• Building in house capital market models (as needed)
• Support loan sales by following up on information requests, setting up data rooms and coordinating with Legal during the NDA process.
• Overseeing loan trading settlement, working across multiple Happy Money stakeholders to ensure seamless execution.
• Serve as a trusted information source for Happy Money business partners
• Collaborate with internal stakeholders to create portfolio dashboards to easily see performance of separate pools relative to total origination
• Direct Accountability for Optimization, and Retention on Forward Flow and other Loan Sale Partners

EXPERIENCE REQUIREMENTS

• 3+ years’ experience in the industry or a similar role
• Ability to deal with ambiguity, innovative, curious, and confident risk taker
• In depth knowledge of the financial services industry, emerging technologies, knowledge of regulations, external markets, as well as experience with complex industry projects
• Strong interpersonal, persuasive/negotiating, and time management skills
• Ability to work in uncharted areas, deal with ambiguity, learn from failure
• Proven track record of relationship management with senior executives
• SQL/Model build skills are plus
• Four year degree required, advanced degree preferred
• Travel required; domestic at

CULTURAL FIT & IMPACT

• A demonstrated passion for the company and mission
• A strong entrepreneurial spirit, with a high-level of energy, dedication, and unrelenting drive to succeed and win
• A collaborative, humble, high-performance approach that embraces Happy Money’s culture of Love, Trust, and Hustle
• Impeccable integrity and high ethical standards combined with well-developed discipline, owns mistakes and promptly addresses them
• Consistently demonstrates humility and prioritizes listening over directing
• Genuinely passionate about people and their professional and personal development
• Able to thrive in a rapidly changing and agile operating environment with high levels of ambiguity and stress
• High levels of IQ, EQ, and AQ (adaptability quotient)

DESIRED OUTCOMES

• Acquire and manage new partnerships, ensuring ongoing alignment with the mission and vision
• Ensure Happy Money + its partners offer a distinct, differentiated, and mission-aligned value edge to members across the ecosystem 
• Ensure Happy Money’s financial partners allocate the maximum percentage of balance sheet capital according to Happy Score
• Sad Money is defeated and Happy Money + its partners are the Bank of the Future

Here at Happy Money, we live by our core values of Love, Trust, and Hustle and welcome all. Love is shown in how we develop meaningful relationships with everyone we interact with; whether it’s a member or your manager. Trust is shown through how we empower each other to come to work as our true selves and embrace our differences. Hustle is shown through how we fail fast and learn from our mistakes. No one is perfect, we’re all human; if this job description doesn’t exactly match your background, we encourage you to apply anyway!