Zippy

Product Manager

• Own the strategy and execution for your product area, aligning with Zippy’s mission and business goals.
• Use data, A/B testing, and customer insights to drive decisions, optimize experiences, and measure success.
• Lead the product lifecycle, from discovery and roadmap definition to launch and iteration.
• Balance short-term wins with long-term impact, ensuring quick iterations drive lasting value.
• Solve complex problems, considering customer needs, business growth, and technical feasibility.
• Work cross-functionally to align teams, remove roadblocks, and ensure smooth execution of product initiatives.
• Thrive in a fast-paced startup, adapting quickly, making bold bets, and iterating to improve.

Senior Product Manager – Experience

Director

• Provide leadership and oversight across all core servicing functions, including:
• - Payments & escrow
• - Customer service
• - Collections
• - Default management
• - Repossession
• - Tax & insurance
• Drive operational excellence while maintaining a fair, respectful, and customer-first servicing experience.
• Serve as a senior escalation point for complex servicing issues, ensuring timely and thoughtful resolution.
• Ensure servicing operations scale effectively while maintaining quality, compliance, and borrower trust.
• Act as a key partner to the VP of Servicing, supporting strategy, prioritization, and execution.
• Own initiatives end-to-end, exercising sound judgment and full accountability for outcomes.
• Step in to lead servicing priorities as needed to support the VP of Servicing and broader organizational goals.
• Partner closely with Product, Engineering, and Data teams to design, build, and refine servicing workflows and systems.
• Develop servicing-specific reporting, dashboards, and performance insights.
• Identify and implement opportunities for automation, efficiency, and scalability.
• Play an active role in ongoing servicing build-out as processes evolve with the business.
• Translate operational needs into clear, actionable technical requirements.
• Lead change management efforts tied to new tools, workflows, and systems, ensuring teams are trained, supported, and aligned.
• Support hiring, onboarding, development, and performance management.
• Help shape servicing team structure, roles, and responsibilities as Zippy continues to scale.
• Work closely with risk and capital markets functions to ensure operational execution is in line with expected loan level performance.
• Own the development and maintenance of servicing policies, procedures, and documentation to ensure consistency, scalability, and compliance.
• Ensure servicing operations comply with applicable regulations, including FDCPA, Fair Debt Collection laws, UDAP, and FCRA.
• Proactively identify operational, regulatory, and reputational risks, partnering with leadership to mitigate issues before they escalate.
• Collaborate closely with Legal, Compliance, Risk, and Finance teams across the loan lifecycle.
• Use data and reporting to identify trends, risks, and performance opportunities within servicing.
• Drive continuous improvement through insights, feedback loops, and iteration.

Director of Servicing

Risk

• Coordinate and execute retailer underwriting activities for partner onboarding
• Prepare, validate, and submit complete underwriting packages for external review and approval
• Perform annual guarantor underwriting reviews
• Conduct annual and ad hoc community rating reviews based on defined risk triggers
• Maintain underwriting files and supporting documentation
• Monitor dealer license status across all partners
• Track license expirations, renewals, and exceptions
• Escalate licensing gaps or concerns to Compliance and Legal teams
• Maintain licensing records and evidence
• Coordinate documentation workflows for partner agreements, including documentation related to new relationships, amendments, assumptions, and legacy agreements
• Track document execution status and maintain centralized records of executed partner agreements
• Support document control standards to ensure alignment between executed agreements and approved partner risk terms
• Monitor partner portfolio concentrations and maintain tracking reports
• Maintain setup cost approval calculations and supporting documentation
• Track partner level risk metrics and changes over time
• Monitor public and official sources for legal, financial, or compliance risks affecting partners
• Log partner risk events including bankruptcies, lawsuits, and regulatory actions
• Perform quarterly PACER pulls for guarantor entities and document findings
• Execute documented escalation workflows
• Track remediation actions and resolution status
• Maintain partner underwriting policies and procedures
• Ensure procedures reflect approved practices and controls
• Support internal and external audits by producing partner risk evidence
• Track audit findings and remediation related to partner risk
• Produce standardized partner risk reports and dashboards
• Ensure data accuracy and consistency across partner risk systems
• Coordinate with Operations, Compliance, Legal, Finance, and Enterprise Risk teams on partner risk activities
• Support change management activities related to partner program updates
• Review and process partner risk approvals related to community ownership changes, including acquisitions, divestitures, restructurings, and entity transfers
• Validate completeness of required documentation for ownership changes
• Confirm alignment with approved partner risk criteria and underwriting standards
• Coordinate reviews with Compliance, Legal, Finance, and Enterprise Risk as required
• Document approvals, conditions, and supporting analysis
• Maintain records of partner entity changes and associated risk decisions

Partner Risk Operations Manager

Operations

• Engage borrowers in a warm, approachable manner during digital closings, with a genuine desire to assist them through homeownership
• Develop strong knowledge of loan products and perform detailed quality assurance on closing documents; send reviewed documents to borrowers and be prepared to discuss and answer questions
• Proactively resolve issues as they arise and facilitate post-close tasks in preparation for loan servicing
• Organize and manage time effectively to deliver high-quality closings in a collaborative, team-oriented environment
• Provide thoughtful feedback on Zippy’s systems and processes as the company continues to build and scale its technology; take ownership of the closing process and continuously look for ways to improve
• Contribute learnings, best practices, and insights across a growing team of origination professionals working to disrupt manufactured housing finance

Closing Operations Specialist, Bilingual Spanish

Financial Planning and Analysis

• 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.
• 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.

Senior Financial Analyst – Portfolio, Credit & Analytical Modeling

Analyst

• Review loan packets to ensure that they are complete and accurate.
• Check loan documents and data for consistency and completeness.
• Verify loan data entered into the system to ensure that it is accurate.
• Review loan files for compliance, regulatory, and internal policies and procedures.
• Identify and resolve data discrepancies or inaccuracies in loan packets, which may involve communicating with borrowers, lenders, and other parties.
• Assist in identifying and resolving issues related to loan data and documentation.
• Collaborate with underwriters, closers, and other stakeholders to ensure timely and accurate completion of review process.

Loan Data Quality Analyst

Senior Product Manager – Post Originations

Full-stack Engineer

• Architect large, multi-system technical solutions with long-term scalability.
• Define and drive adoption of org-wide standards, frameworks, and reference architectures.
• Set domain-level SLOs and reliability strategies.
• Lead security and threat modeling initiatives across multiple systems.
• Guide technical roadmaps in collaboration with senior leadership.
• Mentor multiple engineers across the org and run design reviews.
• Deliver measurable improvements in org-level metrics (e.g., MTTR, deployment frequency).

Staff Software Engineer

• Lead design and implementation of multi-service features and systems.
• Define and enforce testing strategies across the stack.
• Act as incident commander for medium-severity production incidents.
• Author postmortems and drive systemic fixes.
• Serve as technical lead for projects, aligning cross-functional partners.
• Mentor and sponsor engineers across teams.
• Deliver initiatives that improve predictability, throughput, and system resilience.