At Zippy, we provide manufactured home loans in a Zip!

Partner Risk Operations Manager

RiskRiskFull TimeRemoteTeam 51-200H1B No SponsorCompany Site LinkedIn

Location

Arizona + 21 more

Posted

49 days ago

Salary

Not specified

8 yrs expEnglish

Job Description

• 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.