Senior Financial Analyst - Portfolio, Credit & Analytical Modeling

Zippy•Dallas, TX

1d•Remote

About The Position

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.

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.

Nice To Haves

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.

Responsibilities

Design and implement portfolio-level and loan-level analytical frameworks, including:
Static pool and vintage analysis
Delinquency and roll-rate migration analysis
Loss timing, loss curves, severity, and recovery analysis
Prepayment, extension, and modification behavior analysis
Define, standardize, and document analytical credit metrics for manufactured housing chattel loans.
Segment portfolios by risk characteristics and identify key drivers of performance and deterioration.
Develop early-warning indicators and monitoring frameworks to support proactive credit and servicing decisions.
Analytical frameworks include metric definitions, cohort construction, state transition logic, loss attribution methods, and documented methodologies—not just reports or visualizations.
Construct analysis-ready datasets and derived structures (cohorts, states, transitions, flags) to support portfolio and credit analysis.
Build loan-level, payment-level, and event-level analytical models for diagnostics and decision support.
Develop and maintain analytical logic to reshape, normalize, and enrich loan-level data for longitudinal analysis across time and performance states.
Conduct hypothesis-driven analysis to explain observed performance, test competing explanations, and inform concrete credit, servicing, or portfolio decisions.
Design methodologies where none exist and refine them as understanding improves.
Evaluate data completeness, consistency, and reasonableness from an analytical perspective.
Identify edge cases, definitional ambiguities, and structural limitations that impact analysis.
Develop defensible analytical treatments and clearly document assumptions, limitations, and trade-offs.
Implement validation checks, reconciliations, and reasonableness testing within analytical work.
Produce clear, decision-oriented analytical outputs for senior management, credit stakeholders, and external counterparties.
Support investor, diligence, and risk discussions with rigorous, well-documented analysis.
Translate complex analytical results into concise, intelligible conclusions for non-technical audiences.
Independently determine analytical approaches and methodologies.
Prioritize work based on risk, materiality, and decision impact.
Clearly communicate uncertainty, confidence levels, and analytical trade-offs.
Operate effectively with minimal direction in an evolving environment.

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.