---
title: 'Senior Collections Specialist at Happy Money'
canonical: 'https://feeny.ai/job/senior-collections-specialist-happy-money-united-states-tf957s3n46me'
type: 'job'
last_seen: '2026-09-06'
---

# Senior Collections Specialist at Happy Money

- **Company:** Happy Money
- **Location:** United States
- **Compensation:** $50k–$65k
- **Work type:** remote
- **Posted:** 2026-04-27
- **Last confirmed live:** 2026-09-06
- **Apply:** https://job-boards.greenhouse.io/happymoney/jobs/4232376009

## Job description

## ABOUT HAPPY MONEY

Happy Money is a consumer finance company that empowers people to achieve their goals through simple, transparent loans funded by trusted financial institutions. Through its proprietary lending platform, Hive, Happy Money delivers a fully digital experience that simplifies borrowing for consumers and helps credit unions, banks and asset managers diversify balance sheets and scale with confidence.

Happy Money’s end-to-end loan origination and participation programs provide partners with turnkey access to high-performing assets, underpinned by disciplined credit expertise and robust risk management. Together with its lending partners, Happy Money has originated more than $6.5 billion in loans to help nearly 350,000 people take greater control of their financial futures. Learn more at happymoney.com. View our [Employee Privacy Policy](https://drive.google.com/file/d/1PlDoDVlGPfcmkNK5meAmsnFV6DVuiypG/view?usp=drive_link) here.

Happy Money is a 100% fully distributed company. Remote work doesn’t mean less work, we work full-time jobs and show up to them fully every day. See more in our [Happy Money Way](https://drive.google.com/file/d/1R-mWluJ74IGTsB-WPL-j0KME9IVJ4hp7/view?usp=drive_link) overview.

## ABOUT THE ROLE

The Senior Collections Specialist is an experienced, floor-level expert who plays a key role in the day-to-day effectiveness of the Collections team. This role goes beyond core collections work — serving as a go-to resource for peers, a contributor to process documentation, and a skilled handler of complex and escalated customer situations. Our ideal candidate brings a deep understanding of collections processes and systems, a passion for customer experience, and a collaborative mindset that elevates the team around them.

Employment: Hourly, Full-time

Working Shift: Monday - Friday 6am - 2:30pm PST / 9am - 5:30pm EST

Monthly Bonus Incentive: Eligible for up to $1200/monthly performance bonus

## RESPONSIBILITIES

Customer Engagement & Collections

- Contact past due customers, communicating professionally and persistently to facilitate resolution. You will interact with customers that range from 1 to 120+ days past due.
- Negotiate payment plans, hardship plans and settlements within established parameters for customers unable to pay their full balance.
- Handle escalated calls and complex account investigations, applying sound judgment to resolve issues and deliver a high quality customer experience.
- Maintain accurate and up to date customer records, ensuring all account information and status changes are properly documented.
- Meet or exceed department performance targets through organized, proactive, and effective collections efforts.

Peer Support & Team Development

- Provide peer feedback and support to internal and BPO team members, contributing to a culture of continuous improvement and shared accountability.
- Assist with onboarding and training of new team members, leveraging subject matter expertise to reinforce processes and best practices.
- Serve as a first-line resource for workflow questions, troubleshooting, and escalations from peers.

Process & Documentation

- Assist with drafting and updating Standard Operating Procedures (SOPs) to reflect current processes, ensuring documentation is accurate, accessible, and easy to follow.
- Identify and surface process improvement opportunities to the Team Lead, contributing ideas that improve efficiency, compliance, and customer experience.
- Maintain strong working knowledge of all collections systems, tools, and workflows to serve as a reliable SME for the team.

## ABOUT YOU

- 2+ years of experience in collections, customer operations, or a related field.
- Deep understanding of collections processes, strategies, and regulatory considerations.
- Demonstrated ability to handle escalated customer situations with professionalism, empathy, and sound judgment.
- Detailed in communication, writing, and typing skills – able to clearly convey information to customers and peers alike.
- Detail-oriented with a passion for accuracy and process consistency.
- Comfortable providing peer feedback and contributing to the growth and development of teammates.
- Proactive problem solver who can pivot quickly to address immediate business needs.
- Proficient in LoanPro, Genesys, Google Sheets, Confluence, and Jira.
- Ability to work independently with general instructions, managing priorities effectively with minimal supervision.
- Flexibility with schedule changes and availability for overtime based on business needs.

## BENEFITS & PERKS

- Generous medical, dental, vision, and HSA options with employer contributions.
- Eligible for up to $1200/monthly performance bonus
- 401k Plan with a matching contribution
- Generous PTO including sick leave, vacation, volunteer, and more
- 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 $50,000—$65,000 USD

## About Happy Money

## Company Overview
- **One-liner**: Happy Money is a consumer finance company that provides simple, transparent personal loans for debt consolidation, funded by trusted financial institutions.
- **Entity Type**: Private (late-stage, $837.1M total funding across 8 rounds)
- **Headquarters**: Torrance, California, United States
- **Founded**: 2009
- **Founders**: Not publicly disclosed

## Core Business
- **Primary industry/industries**: Consumer Finance / Financial Services (Fintech)
- **Target customers**: B2C (individuals seeking personal loans for debt consolidation); B2B (credit unions, banks, asset managers as lending partners)
- **Mission or purpose statement**: “Happy Money is a consumer finance company that empowers people to achieve their goals through simple, transparent loans funded by trusted financial institutions.”

## Products & Services
- **Personal Loans (Consumer)**: Unsecured personal loans primarily used for debt consolidation, offered directly to consumers through a fully digital experience.
- **Hive Platform (B2B)**: A proprietary lending platform that delivers end-to-end loan origination and participation programs for credit unions, banks, and asset managers, providing turnkey access to high-performing assets. (SaaS / API / Service)

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed
- **Key Metric**: Total Funding – $837.1M; Annual Revenue – $35.0M (estimated); Loans Originated – $6.5B+; Customers Served – 350,000+
- **Notable Investors/Partners**: BlackRock (via Direct Private Opportunities Team), TruStage Ventures, and others (8 funding rounds total)
- **Growth Signals**: 141 employees (+5.0% YoY), 32,287 LinkedIn followers (+61.8% yearly), active job postings for senior data & analytics roles, continued expansion of lending partnerships.

## Competitive Advantages
- **Proprietary Technology**: Hive platform offers a unique end-to-end solution for loan origination and participation, enabling partners to diversify balance sheets with disciplined credit expertise.
- **Mission-Driven Brand**: Focus on “happiness” and transparent lending differentiates Happy Money from traditional lenders and other fintechs.
- **Strong Backing**: Significant funding from institutional investors like BlackRock provides capital and credibility.
- **Full Remote Model**: A 100% distributed workforce (remote-first since inception of distributed policy) allows access to top talent nationwide.

## Strategic Focus
- **Scale Lending Partnerships**: Continue working with credit unions, banks, and asset managers to grow loan origination volume and diversify funding sources.
- **Technology Investment**: Enhance the Hive platform to improve underwriting, risk management, and partner experience.
- **Customer Growth**: Expand consumer reach through better marketing and digital channels, while maintaining disciplined credit standards.
- **Talent Acquisition**: Hire senior roles (e.g., Data Strategy & Analytics, Lifecycle Marketing, Capital Markets) to support growth and operational excellence.

## Why Work Here
- **Remote-First Company**: 100% distributed workforce – employees work from anywhere in the United States.
- **Culture**: Built on the values of “Love, Trust & Hustle” – fostering authentic relationships, accountability, and measurable results.
- **Perks & Benefits**:
  - Generous paid family leave (up to 100% paid, including adoption)
  - Low employee contributions for medical, dental, and vision plans
  - 401k plan with immediate vesting and annual matching
  - Monthly tech stipend for internet/phone
  - Flexible PTO plus company-paid holidays
  - Company-wide wellness events (financial, physical, mental, family health)
  - Annual Impact Hours for volunteer opportunities
- **Engineering & Tech Stack**: Engineering roles work with modern technologies (specific stack not listed but described as a proprietary lending platform).
- **Growth Opportunities**: With 120+ employees and active hiring, there is room for career development and impact.

## Sources
1. [happymoney.com/careers](https://happymoney.com/careers)
2. [happymoney.com/company](https://happymoney.com/company)
3. [linkedin.com/company/happy-money](https://www.linkedin.com/company/happy-money)
4. [builtin.com/company/happy-money](https://builtin.com/company/happy-money)

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