Head of Customer Operations

Happy Money; United States; Remote; USD 200,000 - 225,000; Full time

Benefits offered by this job

Medical/Dental/Vision

Annual bonus

401k match

PTO & sick leave

Parental leave

Disability & Life Insurance

Remote tech stipend

100% distributed workforce

Job summary

Happy Money is seeking an execution-focused Head of Customer Operations to lead Loan Fulfillment, Customer Experience, and Collections. You will own the operations function, optimize verification, and drive efficiency across third-party vendor relationships.

You will oversee risk controls, improve application-to-funding pull-through, and balance growth with customer satisfaction and operational excellence.

Qualifications

• 10+ years of experience in loan operations, servicing, verifications, and collections.
• 5+ years of senior leadership experience managing high-performing teams.
• Proven ability to optimize and scale operations with high risk controls.
• Experience in fraud prevention, verification, and customer support.
• Ability to balance growth with compliance and risk management.

Responsibilities

• Own and drive operational strategy with metrics, driving efficiency and scalability.
• Optimize application-to-funding, verification, and borrower experience.
• Lead collections strategies to improve performance and reduce losses.
• Elevate customer and applicant experience, measuring satisfaction.
• Manage vendor/partner relationships to support operations objectives.
• Recruit and develop operational leaders fostering accountability and data-driven decisions.

Skills

Loan operations

Collections

Leadership

Vendor management

Process optimization

Cross-functional collaboration

Risk management

Fraud prevention

AI/automation

Education

Bachelor's degree in Business, Finance, Operations Management, or related field

Job description

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 $7 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 here.

Happy Money is a 100% fully distributed company based in the United States. Remote work doesn’t mean less work, we work full-time jobs and show up to them fully every day. To learn more about our values and the way we work, review our Happy Money Way Overview!

ABOUT THE ROLE

We are seeking an execution-focused Head of Customer Operations to lead our Loan Fulfillment, Customer Experience, and Collections teams. Reporting directly to the Chief Operations Officer you will have full ownership of the entire operations function, including managing operational teams, driving initiatives to enhance efficiency and effectiveness, optimizing the applicant experience, and overseeing key third-party vendor relationships.

This role is instrumental in delivering a seamless, secure, and highly efficient lending experience, with significant emphasis placed on collections effectiveness, streamlining the applicant verifications process, and driving improvements in application-to-funding pull-through rates. You’ll ensure robust risk controls, continuously improve operational processes, and collaborate cross-functionally to scale operations and implement strategies that balance growth, efficiency, customer satisfaction, and rigorous risk management.

RESPONSIBILITIES

• Own and Drive Operational Strategy:Define, track, and evolve critical performance metrics across operations, prioritizing scalability, efficiency, and execution. Proactively optimize processes that enhance verification efficiency, increase pull-through rates, and elevate the applicant and borrower experience.
• Optimize Loan Application and Verification Processes:Lead efforts to streamline and accelerate the application-to-funding journey. Implement best-in-class verification processes that reduce friction, increase conversion, and support scalable growth.
• Enhance Collections and Servicing:Lead the development and continuous refinement of collections strategies to improve performance , reduce losses, and maintain exceptional customer interactions throughout the repayment lifecycle.
• Elevate the Customer and Applicant Experience:Advocate strongly for the Voice of the Customer, ensuring every interaction—from initial application to loan servicing is frictionless and supportive. Continuously measure and enhance customer satisfaction while balancing growth, risk, and operational efficiency.
• Vendor and Partner Management:Fully own relationships with third-party service providers, ensuring vendors effectively support collections, underwriting verification processes, fraud detection, and customer service objectives. Ensure strong performance accountability with all external partners.
• Build a Culture of Operational Excellence:Recruit, mentor, and develop operational leaders and their teams, creating a culture focused on accountability, execution, efficiency, and data driven decision making.
• Collaborate Cross-Functionally:Actively collaborate with Risk, Compliance, Product, Engineering, and Finance teams to align operations with broader company objectives, ensuring seamless integration and execution of strategic initiatives.
• Drive Process and Technology Improvements:Proactively identify and implement automation, be comfortable with implementing AI agents, and advanced analytics that significantly improve operational efficiency, pull-through rates, collections effectiveness, and the overall customer experience.
• Ensure Compliance and Robust Risk Management:Maintain rigorous compliance practices and embed strong risk controls within loan operations, verifications, servicing, and collections.

Note: This role requires quarterly in-person domestic/international travel for vendor and BPO visits.

ABOUT YOU

• 10+ years of experience in loan operations, servicing, verifications, and collections, with deep expertise in collections and proven experience optimizing verification processes and improving pull-through rates.
• 5+ years of senior leadership experience managing high-performing operational teams, demonstrating success in developing talent and fostering accountability and high performance.
• Track record of optimizing and scaling operations, specifically enhancing collections processes, verification efficiency, and application-to-funding conversion.
• Strong experience overseeing operational processes related to fraud prevention, verification, and customer support, with demonstrated capability in balancing exceptional customer experiences with risk management and operational efficiency.
• Proven ability to effectively balance growth initiatives with rigorous compliance and risk management in regulated financial environments.
• Customer-focused mindset, ensuring all applicant and borrower interactions remain efficient, supportive, and frictionless throughout their lending journey.
• Bachelor’s degree in Business, Finance, Operations Management, or related field required.
• Experience in FinTech, consumer lending, personal loans, or high-growth financial services companies.

BONUS POINTS FOR

• Proven success scaling operations and successfully implementing AI-agents, whether internally developed or through partnerships.
• Prior experience collaborating or working closely with credit unions, banks, or other financial institutions.

BENEFITS & PERKS

• Generous medical, dental, and vision insurance options
• Eligible for Annual Bonus
• 401k Plan with a matching contribution
• Generous PTO including sick leave, vacation, volunteer, and more
• 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 within the U.S.

Base Salary Range

$200,000 - $225,000 USD

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in Happy Money’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.