Head of Customer Operations

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,...

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 enh...

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 contro...

 
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.

 
 

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.

 
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.