Senior Manager, Credit Risk

🕒 May 2

🌵 Arizona, Connecticut, +21 more states – Remote

🌵 Arizona – Remote 🦌 Connecticut – Remote 🐊 Florida – Remote 🌽 Illinois – Remote ⚜️ Louisiana – Remote 🦬 Montana – Remote 🌾 Nebraska – Remote 🎰 Nevada – Remote 🗽 New York – Remote 🌲 North Carolina – Remote 🏈 Ohio – Remote 🌪️ Oklahoma – Remote 🌲 Oregon – Remote 🦀 Maryland – Remote 🚗 Michigan – Remote 🏰 Missouri – Remote 🔔 Pennsylvania – Remote 🌴 South Carolina – Remote 🗿 South Dakota – Remote 🎸 Tennessee – Remote 🤠 Texas – Remote ⛷️ Utah – Remote 🧀 Wisconsin – Remote

⏰ Full Time

🟠 Senior

👔 Manager

Apply Now

Find Similar Remote Jobs

Receive Emails For Remote Jobs

📊 Check your resume score for this job

Improve your chances of getting an interview by checking your resume score before you apply.

Upload Resume

Zippy

WebsiteLinkedInAll Job Openings

51 - 200 employees

💸 Finance

💳 Fintech

🏠 Real Estate

Finance • Fintech • Real Estate

Zippy is a company that specializes in providing home loans, loan servicing, insurance services, and technology solutions related to lending. Zippy Loans, LLC is a direct lender offering competitive loan rates and options for new and pre-owned homes, with a fully online lending process. The company emphasizes a modern approach to lending, making the process easy and accessible without needing to visit a bank. Zippy also offers insurance services through its subsidiary Zippy Insurance Services, LLC. With a commitment to supporting customers throughout the lending journey, Zippy aims to help individuals realize their homeownership dreams. Zippy is a family of companies, including Zippy Loans, LLC, Zippy Loan Servicing, LLC, Zippy Insurance Services, LLC, and Zippy Technology, LLC.

📋 Description

• Own drafting, updating, and maintenance of underwriting guidelines and credit policy • Translate investor guidelines and overlays into clear, actionable internal standards • Ensure alignment between internal policy, investor requirements, and operational practices • Maintain documentation of policy interpretations and decisions for consistency and auditability • Maintain and enhance underwriting authority structures, including approval tiers and escalation paths • Support testing and validation of underwriting authority frameworks • Ensure consistent application of authority levels across underwriting teams • Identify gaps or inconsistencies in decisioning and recommend corrective actions • Serve as the first point of contact for guideline questions and credit policy clarifications • Provide clear and consistent interpretations of underwriting standards • Evaluate edge cases and provide structured, well-reasoned decisions • Escalate only material or novel scenarios as appropriate • Develop and maintain guideline grids, investor overlay matrices, decision trees, and reference materials • Improve usability and accessibility of credit guidance across underwriting and operations • Reduce reliance on ad hoc decision making through structured tools and documentation • Review defaulted loans and perform root cause analysis • Identify trends and potential gaps in underwriting, policy, or guideline clarity • Provide recommendations for policy or process improvements based on findings • Support continuous improvement of credit standards through data driven insights • Maintain credit risk policies and procedures in alignment with approved practices • Ensure documentation supports audit readiness and control requirements • Support internal and external audits by providing evidence of policy application and governance practices • Track and document changes to guidelines and policy over time • Final authority on routine guideline interpretations and credit policy clarifications • Approval authority for standard policy and procedure updates within defined parameters • First pass review and assessment of defaulted loans for purposes of policy feedback and improvement • Escalation of material, high risk, or novel scenarios to VP of Risk • Operates as a senior individual contributor with functional ownership of credit policy and governance • No direct people management responsibilities • Expected to influence underwriting, operations, and cross functional stakeholders • Acts as the primary gatekeeper for credit policy interpretation and application

🎯 Requirements

• 8 to 12+ years of experience in credit risk, underwriting, or credit policy within a lending or financial services environment • Experience working with multiple investor guidelines and overlays • Demonstrated ability to write, interpret, and operationalize credit policy • Strong credit judgment with ability to make decisions under ambiguity • Ability to translate complex or unclear guidelines into clear, actionable rules • Consistent and disciplined decision making across varying scenarios • Strong written communication skills with ability to document policy and rationale clearly • Practical, execution focused mindset with attention to operational detail • Experience building or improving underwriting governance frameworks • Manufactured housing, specialty finance, or partner-based lending experience strongly preferred

🏖️ 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. • 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.