Happy Money

Operations Specialist at Happy Money

| Remote
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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.

The Operations Specialist is an integral part of the Operations Team. This team helps our members by providing world class application, payment processing and resolution experiences. Our ideal candidate is a self-starter who represents Happy Money by exemplifying care for customer interactions, has keen attention to detail and is able to quickly adapt to new processes. The role requires a daily mix of high-quality personal engagement with members via inbound and outbound calls and emails, as well as an analytical review of applications and supporting documentation provided by members. 

Responsibilities of the Role

  • Conducting outbound and inbound calls to potential members as necessary to gain knowledge, build a credit profile or to request additional documentation 
  • Detecting suspicious or potential fraud risk on loan applications or through applicant interactions
  • De-escalating situations involving frustrated or unhappy applicants independently without manager assistance
  • Perform key daily tasks such as loan on-boarding, payment scheduling, payment communication, and modifications
  • Work closely with internal departments such as Member Success, Business Operations, and Engineering to ensure the accuracy of data in the loan servicing systems
  • Evaluate member’s current circumstances and finances in order to provide an appropriate option for our members to address their financial hardship
  • Strong negotiation skills to assist our members with resolutions to current delinquencies
  • Willingness and ability to obtain collection licensing in all US States

About You

  • Self-starter who can absorb, persevere, and pivot as necessary
  • Experience providing world-class customer service 
  • Strong ability to make lasting impressions and quickly build meaningful connections with people
  • Comfortable with a significant amount of your time spent engaging with customers via phone and email 
  • Thrive in a fast-paced, high-volume environment 
  • Ability to work effectively as part of a team and independently 
  • Extremely comfortable with computers with a general aptitude for quickly learning new information systems 
  • Strong negotiating, communication, and writing skills 
  • Detail oriented with a passion for excellence
  • Goal oriented and experienced with high-performance teams 

Bonus Points For

  • Desire to surprise and delight others, coupled with a desire to influence others toward healthier financial living
  • Previous experience with cash reconciliation tools and loan processing software
  • Experience with Microsoft Excel and Google Sheets 
  • Experience in processing loans, financial statements, and income documents 
  • Experience in collections
  • Experience in customer service, loan underwriting, consumer lending, personal banking, or a similar field 

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!

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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
    • JavaLanguages
    • JavascriptLanguages
    • PythonLanguages
    • RLanguages
    • RubyLanguages
    • ScalaLanguages
    • SqlLanguages
    • jQueryLibraries
    • ReactLibraries
    • ReduxLibraries
    • CodeIgniterFrameworks
    • HadoopFrameworks
    • Node.jsFrameworks
    • Ruby on RailsFrameworks
    • SparkFrameworks
    • MongoDBDatabases
    • MySQLDatabases
    • PostgreSQLDatabases
    • RedisDatabases
    • Google AnalyticsAnalytics
    • MixpanelAnalytics
    • IllustratorDesign
    • PhotoshopDesign
    • FigmaDesign
    • AsanaManagement
    • ConfluenceManagement
    • JIRAManagement
    • SmartsheetManagement
    • SalesforceCRM
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What are Happy Money Perks + Benefits

Culture
Volunteer in local community
Partners with Nonprofits
Friends outside of work
Eat lunch together
Intracompany committees
Daily sync
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Pair programming
Diversity
Highly diverse management team
Unconscious bias training
Diversity manifesto
Mean gender pay gap below 10%
Diversity Employee Resource Groups
Hiring Practices that Promote Diversity
Health Insurance & Wellness Benefits
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Pet Insurance
Wellness Programs
Mental Health Benefits
Retirement & Stock Options Benefits
401(K) Matching
Company Equity
Child Care & Parental Leave Benefits
Generous Parental Leave
Remote Work Program
Company sponsored family events
Vacation & Time Off Benefits
Generous PTO
Paid Holidays
Paid Sick Days
Perks & Discounts
Casual Dress
Company Outings
Happy Hours
Pet Friendly
Recreational Clubs
Home Office Stipend for Remote Employees
Professional Development Benefits
Job Training & Conferences
Diversity Program
Lunch and learns
Cross functional training encouraged
Promote from within
Mentorship program
Customized development tracks

Jobs at Happy Money
14

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All Jobs
Finance
Data + Analytics
Dev + Engineer
Operations
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IT Support Specialist

Happy Money
Remote
1 day ago
+42
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

Senior Manager, Software Engineering

Happy Money
Remote
1 week ago
+42
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

Director, Engineering

Happy Money
Remote
1 week ago
+42
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

Finance Manager

Happy Money
Remote
2 weeks ago
+42
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

Software Engineer

Happy Money
Remote
2 weeks ago
+42
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.

Senior Software Engineer - UI

Happy Money
Remote
2 weeks ago
+42
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.

Senior Software Engineer - Mobile

Happy Money
Remote
2 weeks ago
+42
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.

Senior Software Engineer

Happy Money
Remote
2 weeks ago
+42
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.

Senior Site Reliability Engineer

Happy Money
Remote
2 weeks ago
+42
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.

Principal Site Reliability Engineer

Happy Money
Remote
2 weeks ago
+42
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.

Principal Engineer

Happy Money
Remote
2 weeks ago
+42
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.

Manager, Software Engineering

Happy Money
Remote
2 weeks ago
+42
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.

IT Automation Engineer

Happy Money
Remote
2 weeks ago
+42
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.

Vice President, Analytics & Business Strategy

Happy Money
Remote
3 weeks ago
+42
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