Loan Fulfillment Manager

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 Happy Money is seeking a Loan Fulfillment Manager with a track-record of accomplishing high-stakes operational challenges by connecting strategy to execution. This role is a combination of driving the business and improving/managing the processes already in place. The Loan Fulfillment Manager will own the conversion funnel from underwriting decision to funding, identifying the operational patterns that inform our growth strategy, product roadmap, and ensures Happy Money is competitively positioned.

Responsibilities

• Identify patterns in loan fulfillment data that inform product development, risk policy adjustments, and market expansion opportunities. Translate operational insights into executive-level recommendations.
• Design processes and team structures that support 3x growth without proportional headcount increases.
• Own the conversion funnel from underwriting decision to funding: drive outcomes with speed, surface obstacles to leadership, escalate risks in a timely manner, and maintain transparent communication with leadership regarding bottlenecks and improvements.
• Manage internal and external daily operations to ensure applications are reviewed and decisioned on promptly and accurately, moving qualified applicants efficiently toward funding.
• Build strong relationships with internal teams and vendor partners, ensuring effective communication and collaboration for high-quality service and support.
• Train, coach, and motivate analysts (direct reports) and support staff to achieve speed, quality, and conversion KPIs.
• Work with Product, Credit Risk, Compliance, and Member Experience to enhance tools, adjust strategies, and maintain a compliant and customer-friendly decision process.
• Monitor daily volume, SLA adherence, approval rates, and funding rates. Use data insights to recommend changes that add value to the business.

About You

• 5+ years in consumer lending operations/underwriting leadership with a track record of driving measurable results in fast-paced, growth-oriented environments.
• Deep knowledge of industry-specific metrics and fluency in communication of conversion improvements, cycle time reductions, cost savings, and quality enhancements.
• Self-motivated with a high level of ownership and accountability with high performance and ethical standards.
• Connects operational patterns to business outcomes. Proactively identifies process improvements that drive conversion gains, cost reduction, or strategic advantage.
• Sales-oriented and operational mindset: understands process improvement, efficiency gain, and quality enhancement to impact conversion and customer experience.
• Builds trust and drives results with distributed teams creating a deeper accountability. Successfully coaches and develops talent in a remote-first environment.
• Proficiency in SQL/Tableau (or similar dashboards) and makes impactful data-driven decisions.
• Working knowledge of credit risk frameworks and regulatory compliance (ECOA, FCRA, TCPA).

Benefits & Perks

• Generous medical, dental, and vision insurance options
• Eligible for Annual Bonus
• 401k Plan with a matching contribution
• Flexible PTO
• 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

Base Salary Range: $110,000 USD - $125,000 USD