Default Services Specialist

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 Default Services Specialist supports the management of manufactured housing (chattel) loans in default, with a strong focus on operator communication and property inspection oversight. This role works cross-functionally with the Collections and Loss Mitigation teams to support timely resolution of delinquent accounts, ensure property status visibility, and drive forward key default actions such as voluntary surrenders and abandonment documentation. The ideal candidate is process-driven, proactive, and capable of balancing multiple priorities across external partners and internal departments.

Key Responsibilities

• Serve as the primary liaison with manufactured home community operators during the default lifecycle—facilitating communication related to occupancy verification, property access, borrower status, and home condition.
• Collaborate daily with Collections and Loss Mitigation teams to coordinate account status updates, inspection needs, and operator communications related to payment plans, demand letters, and voluntary surrender discussions.
• Order, track, and review field inspections, ensuring timely execution and flagging any occupancy or condition issues that may impact servicing decisions.
• Monitor and escalate indicators of abandonment, unauthorized occupants, or unresponsiveness to drive timely property preservation and recovery actions.
• Support voluntary surrender processing, including operator notification, access coordination, and documentation tracking.
• Maintain accurate, real-time records of operator communications, inspection outcomes, and borrower status updates within servicing systems.
• Help standardize inspection workflows, reporting formats, and communication templates to improve default servicing efficiency.
• Assist Collections team by confirming operator-reported property conditions and verifying occupancy prior to escalation.
• Partner with Loss Mitigation to validate property status for accounts under active workout review, ensuring alignment on next steps and timelines.
• Ensure all actions comply with servicing standards, investor guidelines, and applicable state-level chattel loan regulations.

Qualifications

• 2+ years of experience in mortgage servicing, default management, or collections; experience with chattel or manufactured housing loans strongly preferred.
• Proven ability to work cross-functionally with internal teams (e.g., Collections, Loss Mitigation) and external stakeholders (e.g., MH community operators, inspection vendors).
• Strong organizational skills and attention to detail—capable of tracking and managing multiple inspections and operator updates concurrently.
• Excellent verbal and written communication skills, with a professional and customer-service-oriented approach.
• Familiarity with default servicing milestones such as demand letters, abandonment, and voluntary surrender processes.
• Experience using servicing platforms (e.g., FICS) and inspection vendor portals is a plus.
• Self-motivated, adaptable, and comfortable working in a fast-paced environment.

Preferred Traits

• Working knowledge of chattel loan repossession and remarketing processes.
• Familiarity with community/operator engagement practices in the manufactured housing industry.
• Experience contributing to process improvement or workflow documentation initiatives.

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.