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At Zippy, we provide manufactured home loans in a Zip!
Partner Risk Operations Manager
Location
Arizona + 21 moreAll locations: Arizona | Connecticut | Florida | Illinois | Louisiana | Montana | Nebraska | Nevada | New York | North Carolina | Ohio | Oklahoma | Oregon | Maryland | Michigan | Missouri | Pennsylvania | South Carolina | South Dakota | Tennessee | Texas | Wisconsin
Posted
139 days ago
Salary
0
Seniority
Lead
Job Description
Partner Risk Operations Manager
Zippy
• Coordinate and execute retailer underwriting activities for partner onboarding • Prepare, validate, and submit complete underwriting packages for external review and approval • Perform annual guarantor underwriting reviews • Conduct annual and ad hoc community rating reviews based on defined risk triggers • Maintain underwriting files and supporting documentation • Monitor dealer license status across all partners • Track license expirations, renewals, and exceptions • Escalate licensing gaps or concerns to Compliance and Legal teams • Maintain licensing records and evidence • Coordinate documentation workflows for partner agreements, including documentation related to new relationships, amendments, assumptions, and legacy agreements • Track document execution status and maintain centralized records of executed partner agreements • Support document control standards to ensure alignment between executed agreements and approved partner risk terms • Monitor partner portfolio concentrations and maintain tracking reports • Maintain setup cost approval calculations and supporting documentation • Track partner level risk metrics and changes over time • Monitor public and official sources for legal, financial, or compliance risks affecting partners • Log partner risk events including bankruptcies, lawsuits, and regulatory actions • Perform quarterly PACER pulls for guarantor entities and document findings • Execute documented escalation workflows • Track remediation actions and resolution status • Maintain partner underwriting policies and procedures • Ensure procedures reflect approved practices and controls • Support internal and external audits by producing partner risk evidence • Track audit findings and remediation related to partner risk • Produce standardized partner risk reports and dashboards • Ensure data accuracy and consistency across partner risk systems • Coordinate with Operations, Compliance, Legal, Finance, and Enterprise Risk teams on partner risk activities • Support change management activities related to partner program updates • Review and process partner risk approvals related to community ownership changes, including acquisitions, divestitures, restructurings, and entity transfers • Validate completeness of required documentation for ownership changes • Confirm alignment with approved partner risk criteria and underwriting standards • Coordinate reviews with Compliance, Legal, Finance, and Enterprise Risk as required • Document approvals, conditions, and supporting analysis • Maintain records of partner entity changes and associated risk decisions
Job Requirements
- 8-12+ years of progressive experience in risk operations, credit risk, underwriting operations, third party risk, or comparable risk control functions within a regulated financial services environment
- Demonstrated experience independently evaluating risk exposure, identifying control gaps, and developing written, well supported risk recommendations for senior risk or compliance stakeholders
- Experience reviewing or supporting contractual, underwriting, or partner level documentation with the ability to assess risk implications separate from commercial considerations
- Proven ability to operate as an independent control function, including raising objections, documenting concerns, and maintaining risk discipline in the face of business pressure
- Strong experience managing complex, recurring risk processes with multiple stakeholders, deadlines, and documentation requirements
- High level of proficiency in risk documentation, audit evidence preparation, and procedural compliance, with direct experience supporting internal or external audits
- Demonstrated ability to work cross functionally with Sales, Legal, Compliance, Finance, and Operations while maintaining professional independence and constructive collaboration
- Strong analytical, written communication, and organizational skills, with the ability to clearly articulate risk considerations to both technical and non technical audiences
- 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.
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