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

The Director of Servicing is a senior operational leader responsible for overseeing and evolving Zippy’s end-to-end servicing function. This role blends deep, hands-on servicing expertise with strong technical fluency and a builder’s mindset. You will partner closely with Product, Engineering, and Data to design, scale, and continuously improve servicing operations as the business grows.

This role serves as the right hand to the VP of Servicing, acting as a trusted thought partner and execution lead. You will help translate strategy into action, own critical initiatives, and step in as a decision-maker to keep servicing moving forward. This is not a purely managerial role - it is a hands-on leadership position for someone who enjoys building, operating, and improving systems and teams.

What You’ll Do

Servicing Operations & Leadership

• Provide leadership and oversight across all core servicing functions, including:

  • Payments & escrow

  • Customer service

  • Collections

  • Default management

  • Repossession

  • Tax & insurance

You will:

• Drive operational excellence while maintaining a fair, respectful, and customer-first servicing experience

• Serve as a senior escalation point for complex servicing issues, ensuring timely and thoughtful resolution

• Ensure servicing operations scale effectively while maintaining quality, compliance, and borrower trust

Strategic Partnership & Execution

• Act as a key partner to the VP of Servicing, supporting strategy, prioritization, and execution

• Own initiatives end-to-end, exercising sound judgment and full accountability for outcomes

• Step in to lead servicing priorities as needed to support the VP of Servicing and broader organizational goals

Process, Technology & Build-Out

Partner closely with Product, Engineering, and Data teams to:

• Design, build, and refine servicing workflows and systems

• Develop servicing-specific reporting, dashboards, and performance insights

• Identify and implement opportunities for automation, efficiency, and scalability

You will:

• Play an active role in ongoing servicing build-out as processes evolve with the business

• Translate operational needs into clear, actionable technical requirements

• Lead change management efforts tied to new tools, workflows, and systems, ensuring teams are trained, supported, and aligned

Team Oversight & Development

• Provide leadership and oversight across multiple servicing teams, with scope informed by business needs and individual strengths

• Support hiring, onboarding, development, and performance management

• Help shape servicing team structure, roles, and responsibilities as Zippy continues to scale

• Work closely with risk and capital markets functions to ensure operational execution is in line with expected loan level performance

Documentation, Risk & Compliance

• Own the development and maintenance of servicing policies, procedures, and documentation to ensure consistency, scalability, and compliance

• Ensure servicing operations comply with applicable regulations, including:

  • FDCPA

  • Fair Debt Collection laws

  • UDAP

  • FCRA

• Proactively identify operational, regulatory, and reputational risks, partnering with leadership to mitigate issues before they escalate

• Collaborate closely with Legal, Compliance, Risk, and Finance teams across the loan lifecycle

Data, Reporting & Continuous Improvement

• Use data and reporting to identify trends, risks, and performance opportunities within servicing

• Drive continuous improvement through insights, feedback loops, and iteration

What You’ll Need

• 10+ years of experience across loan servicing, with exposure to all major servicing functions

• Strong understanding of mortgage servicing; chattel loan experience strongly preferred

• Proven experience building and scaling servicing operations in partnership with technology teams

• High technical aptitude with the ability to understand systems, workflows, and reporting

• Experience leading and developing teams in a growing organization

• Strong decision-making ability, ownership mindset, and comfort operating in ambiguity

• Working knowledge of FDCPA, Fair Debt Collection laws, UDAP, and FCRA

• Based in or willing to work from the Phoenix area

Important Applicant Information

• While many of our interviews are conducted virtually, all applicants should be prepared to potentially meet in person as part of the process.

• As a participating employer, we will use E-Verify to confirm employment eligibility.

• 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 York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, and Wisconsin. Applicants that do not reside in the bolded states will be rejected.

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.