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.

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