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’re looking for a sharp, hands-on finance professional to lead financial planning and analysis at the center of a fast-growing fintech company. This role goes far beyond budgeting- encompassing everything from forecasting and liquidity management to capital markets support, portfolio analytics, and strategic decision-making. You’ll own and build core financial models, partner cross-functionally with teams like Credit, Servicing, and Capital Markets, and prepare high-impact materials for leadership and investors. The ideal candidate combines deep technical expertise in structured finance and FP&A with a proactive mindset and a knack for simplifying complexity. If you're excited by fast-paced environments, can operate independently, and are passionate about data-driven storytelling, this role offers the opportunity to shape financial strategy and drive business outcomes from day one.

Key Responsibilities

• Budgeting & Forecasting: Build and maintain the annual operating plan, rolling forecasts, and scenario models (loan originations, sales velocity, servicing cash flows, headcount, OPEX); lead monthly budget‑vs‑actual variance analysis, partnering with Accounting to reconcile data and drive actionable insights.

• Portfolio Analytics: Analyze credit performance, prepayments, delinquencies, and servicing costs; translate trends into pricing, reserve, and capital‑allocation recommendations.

• Capital Markets & Buyer Reporting: Support whole‑loan sales by preparing pool‑level strat tables, cash‑flow projections, and “data tape” analytics; partner with finance/legal on deal closings.

• Management & Board Reporting: Produce monthly financial packages, KPI dashboards, variance analyses, and investor materials with crisp storytelling.

• Liquidity & Cash Management: Build 13‑week cash‑flow forecasts; monitor warehouse lines, advance rates, and covenant compliance.

• Systems & Process: Select and implement FP&A tools (e.g., Cube, Mosaic, or Adaptive), design chart of accounts, automate data pulls from LOS/servicing platforms.

• Strategic Projects: Evaluate new products (e.g., FHA‑insured loans, refinancing), pricing changes, and “build vs. buy” tech investments; lead ad‑hoc deep dives.

• Cross‑Functional Partner: Work closely with Credit, Servicing, Capital Markets, and Product to align metrics, share insights, and drive margin improvement.

Qualifications

• 5‑8 years total experience, with at least 3 years in FP&A, investment banking, structured‑finance analytics, or similar (fintech or specialty finance strongly preferred).

• Deep modeling skills and comfort with loan‑level cash‑flow waterfalls, discount rates, and CECL/ALLL concepts.

• Proven track record owning budgets, forecasts, budget‑to‑actual variance decks, and board packs end‑to‑end.

• Advanced Excel / Google Sheets; proficiency in SQL or Python a plus.

• Experience selecting or administering FP&A / BI systems.

• Excellent written & verbal communication — able to distill complexity for non‑finance audiences.

• Self‑starter who thrives in ambiguity and can prioritize ruthlessly as a solo practitioner.

• Bachelor’s in Finance, Accounting, Economics, or related field; MBA, CFA, or CPA is a bonus.

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.