Zippy · 1 day ago
Senior Financial Analyst - Portfolio, Credit & Analytical Modeling
United States
Full-time
Remote
Senior Level
5+ years expZippy is a company focused on simplifying the loan process for manufactured homes. They are seeking a Senior Financial Analyst to lead advanced portfolio, credit, and analytical modeling for manufactured housing loan portfolios, requiring strong analytical judgment and the ability to operate in high ambiguity.
FinanceFinancial ServicesFinTechLending
Responsibilities
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
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
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
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
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
Qualification
Required
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
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
Benefits
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.
Company
Zippy
Zippy engages in providing a simple, online, and fast loan.
51-200 employees
Funding
Current Stage
Growth StageTotal Funding
$78.4MKey Investors
ETHZillaBrand Foundry Ventures
2025-12-15Series Unknown· $19M
2025-12-10Corporate Round· $21.1M
2024-10-11Series Unknown· $19.57M
Leadership Team
Jordan Bucy
Co-Founder, President & COO
Christopher Donsbach
Head of Community Partnerships
Recent News
2025-12-16
2025-12-11
thefly.com
2025-12-11
Company data provided by crunchbase