Senior Financial Analyst – Portfolio, Credit & Analytical Modeling

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. Apply tot his job