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