Job description
ABOUT HAPPY MONEY
Happy Money is a leading consumer finance company dedicated to helping people achieve their goals through responsible lending. Through its fully-digital platform, Happy Money partners with credit unions, banks and asset managers to originate high-quality credit solutions, diversify their portfolios and expand their impact and reach nationwide.
Backed by investors like TruStage Ventures, Happy Money enables financial institutions to grow as a force for good in their communities while helping people use money as a tool for their happiness. Together with their community-focused capital partner network, Happy Money has originated over $6 billion in loans representing more than 300,000 members who have taken greater control of their financial futures. Learn more at happymoney.com.
ABOUT THE ROLE
We are seeking a forward-thinking and experienced leader to lead the credit & fraud strategy for Happy Money. A successful candidate will be highly skilled in building business cases that outline opportunities accompanied with a clear and achievable path to profitable implementation. They will be highly data driven and relentlessly focused on testing and learning in order to deliver the best results. The ideal person for this role provides thought leadership and is also willing to be hands-on if the job requires.
RESPONSIBILITIES
- Develop credit & fraud strategies to maximize risk adjusted return and manage through the cycle losses; balance loss rates and conversion rates to maximize profits
- Manage the implementation of growth initiatives to meet/exceed performance expectations; key metrics will include credit risk metrics and overall profitability.
- Develop and manage communication channels and information-sharing forums including a central knowledge base, stakeholder updates, and leadership summaries
- Own end-to-end analytics workflow, including defining success and performance metrics, socializing them across the organization, and creating actionable dashboards and reports
- Recruit, motivate, develop and lead a team of world-class analytical talent.
- Participate in discussions about data and outcomes which provide insight into business trends and opportunities
ABOUT YOU
- 10+ years of experience in financial services, consulting, data science or risk management
- 6+ years of Credit/Fraud experience
- Four-year college degree in a quantitative discipline such as Economics, Finance, Engineering, Math, Statistics, Business, Science or Computer Science
- Relevant college internship and/or work experience in an analysis discipline (such as business and data analytics, statistics, or consulting)
- Proven track record of people management, including experience managing nimble, distributed, multi-disciplinary teams
- Experience working at a hands on level with other groups like engineers, product managers, data analysts, operations analysts in building operations processes and systems
BENEFITS & PERKS
- Generous medical, dental, and vision insurance options and coverage on Day 1
- Critical Illness, Accident, and Hospital Indemnity Insurance options
- Basic Life and AD&D with optional voluntary coverage
- 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
- Monthly tech stipend to help cover expenses for remote work
- Happy Money is a 100% fully distributed workforce
- Access to BenefitHub Discount Marketplace
- Employee Assistance Program with Travel Assistance
- Discounted Pet Insurance
$190,000 - $220,000 a year
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 [email protected].
