Default Servicing Manager (Bankruptcy & Foreclosure/Replevin)

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

We’re looking for a hands-on Default Servicing Manager to own and drive execution across bankruptcy and replevin operations for our chattel loan portfolio. This role is responsible for moving accounts through default efficiently, managing legal workflows, and maximizing recoveries while controlling timelines and costs.

This is an operator role—not just oversight. You will be expected to build processes, manage legal partners, and deliver measurable performance improvements.

What You’ll Own

• End-to-end execution of bankruptcy (Ch. 7, 11, 13) workflows—filings, claims, timelines, and resolution
• Management of replevin/legal recovery processes from referral through judgment and resolution
• Day-to-day oversight of legal vendors with clear performance expectations, SLAs, and accountability
• Driving cycle time reduction from default → legal resolution
• Maximizing net recovery outcomes while managing legal expenses
• Building and refining workflows, playbooks, and SOPs that scale
• Real-time pipeline visibility and reporting (what’s stuck, what’s moving, what needs escalation)
• Cross-functional coordination with Collections, Customer Experience, and Asset Management to ensure accounts progress through legal channels efficiently
• Identifying bottlenecks in legal/default workflows and implementing solutions quickly

What Success Looks Like

• Reduced cycle times across bankruptcy and replevin pipelines
• Improved recovery rates and lower loss severity
• Strong legal vendor performance with clear SLAs and consistent follow-through
• Clean, predictable workflows with minimal backlog
• High visibility into portfolio status at all times

Qualifications

• 8+ years in default servicing with direct ownership of bankruptcy and legal recovery processes
• Strong working knowledge of bankruptcy procedures and UCC Article 9 (replevin)
• Experience managing attorneys and legal vendors with a focus on performance and efficiency
• Proven track record of improving timelines, recoveries, and operational execution
• Comfortable working in a fast-paced, build-as-you-go environment
• Data-driven mindset with the ability to manage a pipeline, not just individual cases

Nice to Have

• Chattel, manufactured housing experience
• Experience in a scaling or high-growth servicing platform

Why This Role

• Direct ownership of a critical, high-impact function
• Opportunity to build and optimize default legal operations
• High visibility and influence across the servicing organization

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, Utah, 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.