Zippy

Design and implement analytical frameworks for portfolio and loan-level analysis, develop models, and communicate findings to stakeholders. | Requires 5-8+ years in credit analytics or structured finance, experience building analytical models from scratch, and advanced Excel skills; your experience does not align with these specific technical requirements. | Job Description: • 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.

The role involves executing partner risk controls, monitoring risk activities, and supporting audits within a financial services environment. | Requires 8-12+ years in risk operations, experience with risk documentation, audit support, and cross-functional collaboration, preferably in financial services or similar regulated environments. | 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 The Partner Risk Operations Manager is responsible for executing and maintaining the company’s partner risk controls across onboarding, ongoing monitoring, documentation, and reporting. This role emphasizes administrative rigor, risk data integrity, and cross functional coordination to ensure partner risk activities are consistently performed, well documented, and audit ready. While this position does not set risk strategy, pricing, or governance outcomes, it plays a critical role in informing risk decision making. The Partner Risk Operations Manager evaluates partner-related risk questions, analyzes potential options or changes proposed by the business, and develops well supported recommendations for the Risk team. The role serves as a key input into risk assessments by identifying trends, highlighting emerging risks, and articulating the operational and control implications of proposed actions. In this capacity, the role functions as the operational backbone of partner risk execution while also providing informed, data driven input to support effective risk oversight. Core Responsibilities Partner Onboarding and Reviews 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 Partner Compliance and Licensing Oversight 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 Ongoing Partner Risk Monitoring 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 Risk Event Monitoring and Escalation 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 Risk Documentation and Control Support 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 Reporting and Coordination 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 Partner Entity and Ownership Changes 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 Qualifications 8-12+ years of progressive experience in risk operations, credit risk, underwriting operations, third party risk, or comparable risk control functions within a regulated financial services environment Demonstrated experience independently evaluating risk exposure, identifying control gaps, and developing written, well supported risk recommendations for senior risk or compliance stakeholders Experience reviewing or supporting contractual, underwriting, or partner level documentation with the ability to assess risk implications separate from commercial considerations Proven ability to operate as an independent control function, including raising objections, documenting concerns, and maintaining risk discipline in the face of business pressure Strong experience managing complex, recurring risk processes with multiple stakeholders, deadlines, and documentation requirements High level of proficiency in risk documentation, audit evidence preparation, and procedural compliance, with direct experience supporting internal or external audits Demonstrated ability to work cross functionally with Sales, Legal, Compliance, Finance, and Operations while maintaining professional independence and constructive collaboration Strong analytical, written communication, and organizational skills, with the ability to clearly articulate risk considerations to both technical and non technical audiences Manufactured housing, specialty finance, or partner based lending experience strongly preferred 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, 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.

Facilitate digital loan closings, review documents, and ensure a positive borrower experience in a remote setting. | Requires 2+ years of loan closing experience in housing, comfort with technology, detail orientation, and ability to support remote notarizations, preferably in manufactured housing. | 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 The Closing Operations Specialist oversees and executes the digital signing ceremony for Zippy’s borrowers. This role hosts the digital closing via video call, walks borrowers through closing documents, answers questions, and facilitates a remote online notary. This position is responsible for the lasting impression borrowers have of Zippy as they execute documents for one of the largest and most important purchases of their lives. Desired Mentality Passionate about creating better consumer outcomes and helping solve the affordable housing crisis A self-motivated, creative, positive, and solutions-focused team player Eager to deliver an excellent customer experience in a fast-paced environment Excited about technology and facilitating innovative, digital experiences Anticipated Responsibilities Customer Experience: Engage borrowers in a warm, approachable manner during digital closings, with a genuine desire to assist them through homeownership Document Review: 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 Process Execution: Proactively resolve issues as they arise and facilitate post-close tasks in preparation for loan servicing Team Collaboration: Organize and manage time effectively to deliver high-quality closings in a collaborative, team-oriented environment Feedback & Ownership: 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 Share Best Practices: Contribute learnings, best practices, and insights across a growing team of origination professionals working to disrupt manufactured housing finance Qualifications 2+ years of loan closing experience in the housing market; manufactured housing experience is a plus Comfortable working in a fast-paced, evolving environment Highly detail-oriented with a strong focus on quality and process Flexible schedule, including availability for evenings and weekends as needed to meet customer closing needs Proactive, autonomous worker with strong follow-through Collaborative and innovative, with a team-first mindset Proficient in Microsoft Office and other software tools Comfortable with technology and adapting to changing systems Undergraduate degree or equivalent relevant work experience Bilingual in English and Spanish, with the ability to support Spanish-speaking borrowers throughout the closing process Ability to perform remote online notarizations; must reside in one of the following states: Arizona, Florida, Michigan, Missouri, Montana, New Jersey, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, or Washington 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, 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.

Design and implement advanced portfolio and credit analytical frameworks, conduct deep research-driven analysis, and support credit and risk decision-making. | Requires 5-8+ years in credit analytics with experience building analytical frameworks from scratch, working with loan-level data, and proficiency in Excel and 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, 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.

Verify and ensure accuracy of loan documentation, identify discrepancies, and collaborate with stakeholders to ensure compliance and completeness. | Extensive experience in loan processing, knowledge of mortgage regulations, proficiency in Excel, and familiarity with loan software systems. | 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 The Loan Data Quality Analyst is responsible for verifying all data and documentation related to mortgage loans after being given the information from the Underwriter and before handing it over to the Closer. The primary responsibility of this position is to ensure the accuracy and completeness of loan documentation, identify discrepancies and inconsistencies within loan packets and take appropriate steps to correct them. The ideal candidate for this position will have a high degree of attention to detail, strong organizational skills, and a solid understanding of home lending regulations and requirements. Experience with Microsoft Excel is a requirement, and experience with Docusign is a plus. Responsibilities: 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. Qualifications: Five (5+) years of experience in loan processing in the housing market (manufactured housing experience appreciated) Comfortable in an uncertain, fast-paced environment that will evolve as our technology and business scales Proactive and autonomous individuals Collaborative and innovative with a strong desire for the entire team to win together Proficiency in Microsoft Office and other software tools Undergraduate degree or extended relevant work experience Requirements: High degree of attention to detail and ability to identify discrepancies and inconsistencies in loan files. Strong analytical and problem-solving skills. Knowledge of mortgage lending regulations and requirements. Excellent written and verbal communication skills. Proficiency with Microsoft Office Suite, particularly Excel. Ability to work in a fast-paced startup environment and manage multiple tasks simultaneously. Familiarity with loan origination software and loan document management systems. Ability to work independently and as part of a team. Desired Mentality: Passionate about creating better consumer outcomes and solving the affordable housing crisis Team player that is process & detail oriented Self-motivated to surpass challenges and strive for improvement. Enthusiasm to rally others to company objectives. 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, 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.

Lead multi-component projects, define testing strategies, and mentor engineers to improve system reliability. | 7+ years of software development experience, expertise in multiple languages, cloud proficiency, and leadership skills. | 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 As a Senior Software Engineer II, you’ll lead multi-component projects, act as a technical leader on your team, and influence adjacent teams. You’ll own architecture and testing strategies, drive systemic reliability improvements, and mentor engineers beyond your immediate group. Responsibilities 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. Role Prerequisites Expert in a primary language, competent in two or more others. Advanced proficiency with cloud platforms, CI/CD pipelines, and infrastructure as code. Strong experience designing APIs and distributed systems. Mastery of testing best practices and quality standards. 7+ years of professional software development experience. Proven ability to lead technical projects and mentor engineers. 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, 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.

Manage and improve operational systems, data infrastructure, and internal tools to support loan servicing and business growth. | Over 5 years of experience in fintech or loan servicing, strong systems thinking, data-driven decision-making, and cross-team collaboration skills. | 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 As a Senior Product Manager at Zippy, you will play a key role in building the systems that support everything that happens after a loan is originated. This includes servicing, financial operations, data infrastructure, and investor support. You will help shape the tools and processes that ensure loans are managed accurately, money moves efficiently, and stakeholders have access to the insights they need to operate at scale. This role spans multiple areas of the business. You will work cross-functionally to improve internal workflows, develop operational tools, and strengthen the data foundation that powers servicing, reporting, and decision-making. You will focus on driving clarity, reducing friction, and enabling future growth by applying strong systems thinking and a deep understanding of how technology supports day-to-day operations. This is a great opportunity for a product generalist who enjoys solving complex behind-the-scenes challenges and is excited to contribute to the infrastructure that supports Zippy's continued growth. What You’ll Do 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. What We’re Looking For 5+ years of product management experience in fintech lending, with loan servicing or data product experience preferred. Strong systems thinker with a track record of building internal tools, improving operational workflows, or supporting infrastructure at scale. Strong customer and business intuition, with a data-driven approach to decision-making. Ability to thrive in a fast-paced startup environment, balancing speed with quality while adapting to evolving priorities. Excellent problem-solving skills, with the ability to navigate ambiguity and drive clarity. Exceptional collaboration and communication skills, with experience working across teams like engineering, design, sales, and operations. Passion for creating products and experiences that drive impact. 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, 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.

Architecting large-scale, multi-system solutions, defining standards, and leading high-impact initiatives. | Extensive experience in architecting distributed systems, deep expertise in cloud, security, and API design, with success in org-wide initiatives. | 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 As a Staff Engineer, you are a recognized expert and force multiplier across the organization. You’ll architect multi-system solutions, define technical standards, and drive high-impact initiatives such as platform migrations and reliability programs. You’ll mentor engineers across teams and partner with leadership to shape Zippy’s technical direction. Responsibilities 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). Role Prerequisites Extensive experience architecting distributed systems at scale. Deep expertise in cloud, observability, and security practices. Strong API design and testing methodology background. Ability to drive consensus across teams and resolve conflicts constructively. 9+ years of professional software development experience. Demonstrated success in org-wide initiatives. 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, 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.

Supporting financial operations, data infrastructure, and stakeholder support through system improvements and operational tools. | Extensive experience in content strategy, policy communication, and data visualization, but lacking fintech lending or product management experience. | 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 As a Senior Product Manager at Zippy, you will play a key role in building the systems that support everything that happens after a loan is originated. This includes servicing, financial operations, data infrastructure, and investor support. You will help shape the tools and processes that ensure loans are managed accurately, money moves efficiently, and stakeholders have access to the insights they need to operate at scale. This role spans multiple areas of the business. You will work cross-functionally to improve internal workflows, develop operational tools, and strengthen the data foundation that powers servicing, reporting, and decision-making. You will focus on driving clarity, reducing friction, and enabling future growth by applying strong systems thinking and a deep understanding of how technology supports day-to-day operations. This is a great opportunity for a product generalist who enjoys solving complex behind-the-scenes challenges and is excited to contribute to the infrastructure that supports Zippy's continued growth. What You’ll Do 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. What We’re Looking For 5+ years of product management experience in fintech lending, with loan servicing or data product experience preferred. Strong systems thinker with a track record of building internal tools, improving operational workflows, or supporting infrastructure at scale. Strong customer and business intuition, with a data-driven approach to decision-making. Ability to thrive in a fast-paced startup environment, balancing speed with quality while adapting to evolving priorities. Excellent problem-solving skills, with the ability to navigate ambiguity and drive clarity. Exceptional collaboration and communication skills, with experience working across teams like engineering, design, sales, and operations. Passion for creating products and experiences that drive impact. 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, 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.

The HR Coordinator will support People Operations and Talent teams by managing core HR functions, streamlining administrative processes, and ensuring smooth payroll and onboarding operations. This role aims to improve hiring efficiency and enhance the employee experience. | Candidates should be highly organized, detail-oriented, and able to manage multiple priorities. Strong communication skills and a proactive approach to problem-solving are essential in this fast-paced environment. | 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 The HR Coordinator/Generalist will play a crucial role in supporting our People Operations and Talent teams by handling core HR functions, streamlining administrative processes, and ensuring smooth payroll and onboarding operations. This role will improve hiring efficiency, enhance the employee experience, and free up senior HR and talent leaders to focus on strategic initiatives. Key Responsibilities: Payroll & Compensation Support Run bi-weekly payroll, salaried payroll, bonus payroll, and termination payroll, with Accounting as a backup when out of office Ensure timecards and PTO requests are approved before payroll processing, including nuanced cases like parental leave or one-off corrections Manage bonus payouts, working with managers to track monthly, quarterly, and annual bonus payments using our master compensation spreadsheet Coordinate with Accounting before each payroll run to verify available funds Instruct Accounting to wire funds, a current requirement with Gusto (subject to change with a new HRIS system) Streamline onboarding workflows, including paperwork, IT setup, and new hire support HR Administration Oversee HR systems and data entry, ensuring accurate employee records Respond to employee inquiries related to benefits, payroll, and company policies Assist with compliance and labor law tasks, such as audits, document collection, and policy adherence People Operations Support Assist with employee engagement initiatives, including surveys, recognition programs, and event coordination Maintain and update employee policies, handbooks, and HR documentation Collaborate with leadership on culture-building initiatives Assist with talent acquisition sourcing during high-volume periods as capacity allows Who You Are Highly organized, detail-oriented, and able to juggle multiple priorities A strong communicator who interacts professionally with employees, candidates, and leadership A proactive problem solver who seeks opportunities to improve HR and payroll processes Adaptable and resourceful, thriving in a fast-paced, high-growth environment Comfortable with numbers, spreadsheets, and payroll-related financial coordination 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, and Wisconsin. 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.

The Bankruptcy and Foreclosure Specialist manages manufactured housing loans in default, focusing on communication with operators and property inspections. This role collaborates with Collections and Loss Mitigation teams to resolve delinquent accounts and ensure property status visibility. | Candidates should have 2+ years of experience in mortgage servicing, default management, or collections, preferably with chattel or manufactured housing loans. Strong organizational skills, attention to detail, and excellent communication abilities are essential. | 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 The (Bankruptcy and Foreclosure Specialist) Default Services Specialist supports the management of manufactured housing (chattel) loans in default, with a strong focus on operator communication and property inspection oversight. This role works cross-functionally with the Collections and Loss Mitigation teams to support timely resolution of delinquent accounts, ensure property status visibility, and drive forward key default actions such as voluntary surrenders and abandonment documentation. The ideal candidate is process-driven, proactive, and capable of balancing multiple priorities across external partners and internal departments. Key Responsibilities: Serve as the primary liaison with manufactured home community operators during the default lifecycle—facilitating communication related to occupancy verification, property access, borrower status, and home condition. Collaborate daily with Collections and Loss Mitigation teams to coordinate account status updates, inspection needs, and operator communications related to payment plans, demand letters, and voluntary surrender discussions. Order, track, and review field inspections, ensuring timely execution and flagging any occupancy or condition issues that may impact servicing decisions. Monitor and escalate indicators of abandonment, unauthorized occupants, or unresponsiveness to drive timely property preservation and recovery actions. Support voluntary surrender processing, including operator notification, access coordination, and documentation tracking. Maintain accurate, real-time records of operator communications, inspection outcomes, and borrower status updates within servicing systems. Help standardize inspection workflows, reporting formats, and communication templates to improve default servicing efficiency. Assist Collections team by confirming operator-reported property conditions and verifying occupancy prior to escalation. Partner with Loss Mitigation to validate property status for accounts under active workout review, ensuring alignment on next steps and timelines. Ensure all actions comply with servicing standards, investor guidelines, and applicable state-level chattel loan regulations. Qualifications: 2+ years of experience in mortgage servicing, default management, or collections; experience with chattel or manufactured housing loans strongly preferred. Proven ability to work cross-functionally with internal teams (e.g., Collections, Loss Mitigation) and external stakeholders (e.g., MH community operators, inspection vendors). Strong organizational skills and attention to detail—capable of tracking and managing multiple inspections and operator updates concurrently. Excellent verbal and written communication skills, with a professional and customer-service-oriented approach. Familiarity with default servicing milestones such as demand letters, abandonment, and voluntary surrender processes. Experience using servicing platforms (e.g., FICS) and inspection vendor portals is a plus. Self-motivated, adaptable, and comfortable working in a fast-paced environment. Preferred Traits: Working knowledge of chattel loan repossession and remarketing processes. Familiarity with community/operator engagement practices in the manufactured housing industry. Experience contributing to process improvement or workflow documentation initiatives. 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, and Wisconsin. 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.

Manage and grow client relationships in the manufactured housing dealer channel, drive revenue growth through increased loan applications and funding, provide training and communication on loan processes, track performance metrics, and represent client interests internally. | Requires strong client relationship skills, Salesforce proficiency, sales-oriented mindset, ability to travel extensively, comfort with tech-enabled environments, and preferably some background in mortgage or manufactured housing. | 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 The Dealer Guide is primarily focused on managing and strengthening client relationships, educating clients on Zippy's loan processes and technology, and ensuring clear communication of process updates. A significant part of the role involves driving revenue growth by increasing loan applications and funding from clients, while also identifying and communicating any growth barriers to leadership. This position requires diligent performance tracking, particularly in market share metrics, and meticulous management of client data in Salesforce. A profound knowledge of Zippy's loan processes is essential, along with the ability to advocate for clients' interests within the organization. The Dealer Guide is a critical in bridging the gap between clients and Zippy's internal teams, ensuring both client satisfaction and business success. As this is a brand-new team building out a new channel, travel requirements will ramp up over time, ultimately reaching as much as 80% as Zippy expands its dealer footprint. What You'll Do Relationship Owner: Responsible for building, maintaining, and growing the relationship with Zippy’s clients and their key contacts in the manufactured housing dealer channel. Client Success: Responsible for maintaining market share with existing dealers and driving pull-through at their locations. Revenue Growth: Responsible for growing applications and funded loans at any given client. If revenue growth is blocked by Zippy, clearly communicate to leadership the reason for the block (ex: loan product, rates) and quantify the opportunity size to help leadership allocate resources. Training & Enablement: Responsible for on-site and remote training of dealer sales and transactions teams on Zippy’s processes and technology from marketing and application to funding. Communications: Responsible for communicating process updates and changes. Also responsible for helping Zippy’s leadership determine the viability of any changes. Performance Tracking: Responsible for tracking Zippy’s performance with each dealership, primarily but not limited to market share (% of apps and total loans) each month. CRM Management: Responsible for ensuring Salesforce is up-to-date with key contacts at clients and tracking communication (to extent possible) via Salesforce. Ownership of dealer-level and store-level data following the transfer of a client to the Dealer Guide. Zippy Process Knowledge: Responsible for understanding Zippy’s loan process from start to finish including stages, necessary documents, and associated technologies. If unsure, responsible for speaking up and asking for training and help. Process Building: Ability to thrive in a new, fast-evolving channel by helping define territories, establishing the right outreach cadence, and shaping processes that will set the foundation for future teammates. Client Representation: Represent your client’s best interests within Zippy. Communicate their needs and priorities to leadership and to the originations team on specific files when needed. Subject Matter Expert: Deep understanding of Zippy’s process from marketing to application to conditions needed to closing to funding. Ability to answer most client questions quickly and ability to source answers quickly when unsure of answer. Deep Client Understanding: Know a client’s potential funded loans and applications and why Zippy isn’t reaching it at any given time. If Zippy is at max potential with a client, understand that too. Subject matter expert on their clients. This Dealer Guide always knows what is going on with a specific client at any given time and is the client’s first call. Market Awareness & Competitive Positioning: Stay informed on market trends, lending practices, and dealer dynamics to help Zippy maintain a competitive edge. Develop a strong understanding of how Zippy’s offerings compare with competitors and leverage this knowledge to drive dealer success. Compliance & Regulatory Oversight: Ensure dealership operations and loan activities meet Zippy’s standards, legal requirements, and all applicable regulatory guidelines. What You'll Need Driven, motivated, and a go-getter—willing to do what it takes to succeed. Polished presence with high energy; able to command attention in dealership environments while still being personable and approachable Willingness and ability to travel up to 50-70% within an assigned territory Sales-oriented mindset with a focus on relationship building. Highly Curious and skilled at problem-solving including uncovering real issues through discovery calls and in-person visits. Extroverted and relationally oriented, comfortable interacting with clients. Strong proficiency in Salesforce and managing client data through CRM systems. Detail-oriented, quick learner with a “figure it out” mentality. Background in tech-forward environments, mortgage, or tech enablement preferred, with a willingness to learn Zippy’s processes. SaaS experience and the ability to highlight the value of tech products. A personal connection to the manufactured housing (MH) industry is a plus. Prior MLO experience is a plus 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, and Wisconsin. 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.

Manage and grow client relationships, drive revenue growth through increased loan applications, maintain Salesforce CRM data, communicate process updates, and represent client interests internally. | Requires strong Salesforce proficiency, client relationship and revenue growth experience, problem-solving skills, tech-savviness, and preferably mortgage or SaaS background with a sales-oriented mindset. | 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 The Community Guide is primarily focused on managing and strengthening client relationships, educating clients on Zippy's loan processes and technology, and ensuring clear communication of process updates. A significant part of the role involves driving revenue growth by increasing loan applications and funding from clients, while also identifying and communicating any growth barriers to leadership. This position requires diligent performance tracking, particularly in market share metrics, and meticulous management of client data in Salesforce. A profound knowledge of Zippy's loan processes is essential, along with the ability to advocate for clients' interests within the organization. The Community Guide is pivotal in bridging the gap between clients and Zippy's internal teams, ensuring both client satisfaction and business success. What You'll Do • Relationship Owner: Responsible for building, maintaining, and growing the relationship with Zippy’s clients and key contacts with our clients. • Client Success: Responsible for maintaining market share with existing clients. • Revenue Growth: Responsible for growing applications and funded loans at any given client. If revenue growth is blocked by Zippy, clearly communicate to leadership the reason for the block (ex: state, rates) and quantify the opportunity size to help leadership allocate resources. • Training & Enablement: Responsible for training on Zippy’s processes and technology from marketing and application to funding. • Communications: Responsible for communicating process updates and changes. Also responsible for helping Zippy’s leadership determine the viability of any changes. • Performance Tracking: Responsible for tracking Zippy’s performance with the client, primarily but not limited to market share (% of apps and total loans) each month. • CRM Management: Responsible for ensuring Salesforce is up-to-date with key contacts at clients and tracking communication (to extent possible) via Salesforce. Ownership of operator and community-level data following the transfer of a client to the Community Guide. • Zippy Process Knowledge: Responsible for understanding Zippy’s loan process from start to finish including stages, necessary documents, and associated technologies. If unsure, responsible for speaking up and asking for training and help. • Client Representation: Represent your client’s best interests within Zippy. Communicate their needs and priorities to leadership and to the originations team on specific files when needed. • Subject Matter Expert: Deep understanding of Zippy’s process from marketing to application to conditions needed to closing to funding. Ability to answer most client questions quickly and ability to source answers quickly when unsure of answer. • Deep Client Understanding: Know a client’s potential funded loans and applications and why Zippy isn’t reaching it at any given time. If Zippy is at max potential with a client, understand that too. Subject matter expert on their clients. This Community Guide always knows what is going on with a specific client at any given time and is the client’s first call. What You'll Need • Driven, motivated, and a go-getter—willing to do what it takes to succeed. • Sales-oriented mindset with a focus on relationship building. • Highly Curious and skilled at problem-solving including uncovering real issues through discovery calls. • Extroverted and relationally oriented, comfortable interacting with clients. • Strong proficiency in Salesforce and managing client data through CRM systems. • Detail-oriented, quick learner with a “figure it out” mentality. • Background in tech-forward environments, mortgage, or tech enablement preferred, with a willingness to learn Zippy’s processes. • SaaS experience and the ability to highlight the value of tech products. • A personal connection to the manufactured housing (MH) industry is a plus. 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, and Wisconsin. 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.

The Default Services Specialist manages manufactured housing loans in default, focusing on communication with operators and overseeing property inspections. This role collaborates with Collections and Loss Mitigation teams to resolve delinquent accounts and ensure property status visibility. | Candidates should have 2+ years of experience in mortgage servicing, default management, or collections, preferably with chattel or manufactured housing loans. Strong organizational skills, attention to detail, and excellent communication abilities are essential for success in this role. | 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 The Default Services Specialist supports the management of manufactured housing (chattel) loans in default, with a strong focus on operator communication and property inspection oversight. This role works cross-functionally with the Collections and Loss Mitigation teams to support timely resolution of delinquent accounts, ensure property status visibility, and drive forward key default actions such as voluntary surrenders and abandonment documentation. The ideal candidate is process-driven, proactive, and capable of balancing multiple priorities across external partners and internal departments. Key Responsibilities: Serve as the primary liaison with manufactured home community operators during the default lifecycle—facilitating communication related to occupancy verification, property access, borrower status, and home condition. Collaborate daily with Collections and Loss Mitigation teams to coordinate account status updates, inspection needs, and operator communications related to payment plans, demand letters, and voluntary surrender discussions. Order, track, and review field inspections, ensuring timely execution and flagging any occupancy or condition issues that may impact servicing decisions. Monitor and escalate indicators of abandonment, unauthorized occupants, or unresponsiveness to drive timely property preservation and recovery actions. Support voluntary surrender processing, including operator notification, access coordination, and documentation tracking. Maintain accurate, real-time records of operator communications, inspection outcomes, and borrower status updates within servicing systems. Help standardize inspection workflows, reporting formats, and communication templates to improve default servicing efficiency. Assist Collections team by confirming operator-reported property conditions and verifying occupancy prior to escalation. Partner with Loss Mitigation to validate property status for accounts under active workout review, ensuring alignment on next steps and timelines. Ensure all actions comply with servicing standards, investor guidelines, and applicable state-level chattel loan regulations. Qualifications: 2+ years of experience in mortgage servicing, default management, or collections; experience with chattel or manufactured housing loans strongly preferred. Proven ability to work cross-functionally with internal teams (e.g., Collections, Loss Mitigation) and external stakeholders (e.g., MH community operators, inspection vendors). Strong organizational skills and attention to detail—capable of tracking and managing multiple inspections and operator updates concurrently. Excellent verbal and written communication skills, with a professional and customer-service-oriented approach. Familiarity with default servicing milestones such as demand letters, abandonment, and voluntary surrender processes. Experience using servicing platforms (e.g., FICS) and inspection vendor portals is a plus. Self-motivated, adaptable, and comfortable working in a fast-paced environment. Preferred Traits: Working knowledge of chattel loan repossession and remarketing processes. Familiarity with community/operator engagement practices in the manufactured housing industry. Experience contributing to process improvement or workflow documentation initiatives. 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 Hampshire, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Washington. 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.