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Happy Money · 18 hours ago

Loan Fulfillment Manager

United States

Full-time

Remote

Mid, Senior Level

$110K/yr - $125K/yr

5+ years exp

Happy Money is a leading consumer finance company dedicated to helping people achieve their goals through responsible lending. They are seeking a Loan Fulfillment Manager to drive business operations, manage processes, and oversee the conversion funnel from underwriting to funding while ensuring effective communication and collaboration across teams.

Consumer LendingFinanceFinancial ServicesFinTechLendingPersonal Finance

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

Qualification

Consumer lending operationsUnderwriting leadershipSQL/Tableau proficiencyCredit risk frameworksRegulatory compliance knowledgeProcess improvementSales-oriented mindsetTeam coachingData-driven decision making

Required

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)