Zippy

Senior Financial Analyst – Portfolio, Credit & Analytical Modeling

Zippy

full-time

Posted on:

Location Type: Remote

Location: Arizona • Connecticut • United States

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Job Level

Senior

About the role

  • 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.

Requirements

  • 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.
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.
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
analytical frameworksstatic pool analysisvintage analysisdelinquency analysisloss timing analysisprepayment analysisanalytical modelslongitudinal analysisdata validationanalytical logic
Soft Skills
communication skillsindependent workproblem-solvingdecision-makingadaptabilityattention to detailcritical thinkingcollaborationdocumentationprioritization