Senior Financial Analyst - Portfolio, Credit & Analytical Modeling

Zippy was founded with one mission: to make getting a loan for a manufactured home simple, fast, and fully online. We believe modern manufactured homes are affordable, well-built, eco-friendly, and stylish, but finding a lender who understands this market can be challenging. That’s why Zippy focuses exclusively on manufactured home loans, offering a seamless, digital experience.

Headquartered in Dallas, TX, with an office in Tempe, AZ, Zippy provides home loans and insurance to manufactured home buyers throughout the United States. Our remote-first team is spread across cities like Dallas, Houston, Knoxville, Omaha, Philadelphia, Phoenix, and several other states and cities. Backed by institutional investors, we offer competitive pay, stock options, and excellent benefits. At Zippy, we pride ourselves on our commitment to finance happiness through the power of home. We are dedicated to enhancing consumers' financial outcomes and tackling the affordable housing crisis through cutting-edge technology and innovative solutions.

The Role

We are seeking a Senior Financial Analyst to lead advanced portfolio, credit, and analytical modeling for manufactured housing chattel loan portfolios. This is a senior individual-contributor role for someone who can operate in high ambiguity, build analytical frameworks from scratch, and conduct deep, research-driven analysis to support credit, risk, servicing, and investor decision-making.

Success in this role requires prior experience designing credit or portfolio analytics without predefined templates, metric definitions, or reporting standards. The role demands strong analytical judgment and the ability to impose structure on complex, imperfect datasets.

Core Responsibilities

Portfolio & Credit Analytics

• Design and implement portfolio-level and loan-level analytical frameworks, including:

  • Static pool and vintage analysis

  • Delinquency and roll-rate migration analysis

  • Loss timing, loss curves, severity, and recovery analysis

  • Prepayment, extension, and modification behavior analysis

• Define, standardize, and document analytical credit metrics for manufactured housing chattel loans.

• Segment portfolios by risk characteristics and identify key drivers of performance and deterioration.

• Develop early-warning indicators and monitoring frameworks to support proactive credit and servicing decisions.

• Analytical frameworks include metric definitions, cohort construction, state transition logic, loss attribution methods, and documented methodologies—not just reports or visualizations.

Analytical Modeling & Research

• Construct analysis-ready datasets and derived structures (cohorts, states, transitions, flags) to support portfolio and credit analysis.

• Build loan-level, payment-level, and event-level analytical models for diagnostics and decision support.

• Develop and maintain analytical logic to reshape, normalize, and enrich loan-level data for longitudinal analysis across time and performance states.

• Conduct hypothesis-driven analysis to explain observed performance, test competing explanations, and inform concrete credit, servicing, or portfolio decisions.

• Design methodologies where none exist and refine them as understanding improves.

Data Quality & Analytical Rigor

• Evaluate data completeness, consistency, and reasonableness from an analytical perspective.

• Identify edge cases, definitional ambiguities, and structural limitations that impact analysis.

• Develop defensible analytical treatments and clearly document assumptions, limitations, and trade-offs.

• Implement validation checks, reconciliations, and reasonableness testing within analytical work.

Reporting, Communication & Decision Support

• Produce clear, decision-oriented analytical outputs for senior management, credit stakeholders, and external counterparties.

• Support investor, diligence, and risk discussions with rigorous, well-documented analysis.

• Translate complex analytical results into concise, intelligible conclusions for non-technical audiences.

Analytical Judgment & Autonomy

• Independently determine analytical approaches and methodologies.

• Prioritize work based on risk, materiality, and decision impact.

• Clearly communicate uncertainty, confidence levels, and analytical trade-offs.

• Operate effectively with minimal direction in an evolving environment.

Required Qualifications

• 5–8+ years of experience in credit analytics, portfolio analytics, structured finance, or consumer lending.

• Demonstrated experience building analytical frameworks and models from scratch.

• Demonstrated ability to construct longitudinal loan-level analyses, performance state transitions, and loss or performance attribution using large, relational datasets.

• Advanced Excel skills (Power Query, large datasets, complex analytical logic).

• Strong understanding of loan-level data structures and credit lifecycle events.

• Proven ability to work with imperfect, evolving data.

• Strong written and verbal communication skills.

Preferred Experience

• Manufactured housing, chattel lending, specialty finance, or subprime/near-prime consumer credit.

• Experience supporting securitizations, whole-loan sales, or investor and diligence analysis.

• Experience using analytical programming or query tools (e.g., SQL, Python, R) for portfolio or credit analysis.

• Experience with BI tools (Power BI, Holistics, Tableau) built on well-modeled analytical datasets.

• Familiarity with loan servicing operations and credit policy.

Role Characteristics

• High analytical ownership and accountability.

• Ambiguous questions with limited predefined answers.

• This role is not a fit for candidates who prefer fully defined metrics, established reporting packages, or narrowly scoped analytical tasks.

• Success measured by analytical rigor, clarity, and usefulness—not report volume.

Important Applicant Information

• While many of our interviews are conducted virtually, all applicants should be prepared to potentially meet in person as part of the process.

• As a participating employer, we will use E-Verify to confirm employment eligibility.

• Please note that we are currently only hiring candidates who reside in the following states: Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Wisconsin. Applicants that do not reside in the bolded states will be rejected.

Total Rewards

At Zippy, we're passionate about creating a workplace where people love to work. We put a lot of heart into building and nurturing a company culture that not only supports our team but also inspires them to do their best work.

Our benefits and perks are always evolving, but here’s what we offer right now:

• Competitive Compensation: We offer a competitive salary with the potential for annual bonuses and variable pay, depending on your skills and experience.

• Equity for All: As a part of our commitment to shared success, all employees receive equity in the company, allowing you to share in the growth and achievements of Zippy.

• Remote Work: Enjoy the flexibility of working from home in a dynamic, remote-first environment.

• Comprehensive Health Coverage: We provide medical, dental, and vision insurance, along with company-subsidized benefits like STD, LTD, and life insurance for you and your family.

• Flexible Spending Accounts: Take advantage of medical & dependent care FSAs to help manage your expenses.

• Training & Licensing Support: We invest in your professional growth with resources for training and licensing.

• Paid Time Off: We offer generous PTO—and we encourage you to use it!

• Wellbeing Programs: Access a variety of wellbeing resources, including Headspace, Gympass+, Fetch, Spring Health, SoFi, Perkspot, Ladder, and more through our Sequoia Wellbeing Programs.

• Parental Leave: We provide paid parental leave to support you and your growing family.

• No Meeting Wednesdays: Enjoy a mid-week break from meetings to focus and recharge.

• Vibrant Slack Community: Engage with colleagues in our lively remote Slack community, featuring fun channels that connect people around shared interests like travel, pets, sports, food, and more.

• Career Growth: We believe in promoting from within, offering you opportunities to grow your career with us.

Beyond the tangible benefits:

• Core Values: At the heart of everything we do are our core values: Lead with Passion, Own It, Build a Better Way, Results Driven, and The Golden Rule. These values guide our decisions, shape our culture, and inspire us to achieve our best every day.

• Join a Growing Team: Be part of a dynamic team at a pivotal moment in Zippy’s growth, where every contribution makes a significant impact.

• Innovative Work: Collaborate with sharp, passionate teammates to tackle unique challenges in the Manufactured Housing market, positioning our product as a top-tier lending solution.

• Supportive Culture: You’ll be welcomed into a collaborative environment that fosters camaraderie, respect, and a deep sense of belonging.

• Diversity & Inclusion: We’re committed to empowering a diverse and inclusive workforce, celebrating our differences, and ensuring everyone feels safe to bring their whole selves to work.

• Inspirational Leadership: Work alongside leaders who are not only approachable but also dedicated to providing guidance, mentorship, and support to help you succeed.

• Meaningful Impact: Be part of a mission-driven team that’s making housing more affordable for everyone, helping prospective buyers secure fast and simple online loans to purchase manufactured homes. By joining Zippy you will help improve the lives of over 22 million Americans who live in manufactured homes today.

Zippy is an equal opportunity employer that is committed to diversity and inclusion. We do not discriminate based on race, color, national origin, religion, gender, gender expression, sexual orientation, age, veteran status, disability status, or marital status. If you are excited about the role but do not meet 100% of the qualifications listed above, we encourage you to apply. Nothing in this job posting should be construed as an offer or guarantee of employment.