Default Servicing Manager (Bankruptcy & Foreclosure/Replevin)

About 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.

Responsibilities

• 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

Requirements

• 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
• 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.

Benefits

Additional Information

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.

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