Credit Risk and Originations Leader

Ironhorse Funding LLC•Middleton, MA

1d•$140,000 - $190,000•Onsite

About The Position

Join Ironhorse Funding LLC as our Full-Time SVP of Credit Risk and Loan Originations, located onsite in Beverly, MA, and experience shaping our financial services landscape. This pivotal role offers an exciting opportunity for high achievers who embody our core values of Serve & Help, Teamwork & Communication, Adaptability, Accountability, Respect & Integrity. Collaborate with a passionate team, contribute to high-performance initiatives, and drive innovative solutions that make a real impact. The salary range for this position is $140,000.00-$190,000.00 and bonus potential. The determination of title (i.e. Vice President or Senior Vice President) will be determined based on the candidate's relevant experience, skills, and other considerations obtained during the interview process. Ironhorse Funding is a leading provider of innovative, technology-driven, full spectrum finance solutions to consumers and dealers in the motorcycle, powersports, RV, and marine markets. We provide customers across the entire credit spectrum access to financing and refinancing programs with competitive rates and flexible terms through our direct-to-consumer and dealer programs. We want every customer to have access to financing for their dream ride. We have an immediate need for a Leader of Credit Risk and Originations to join our team located in Irving, TX. You will lead the credit risk and originations operations for the organization for Motorcycle, Powersports, RV and Marine assets. This role is ONSITE Monday to Friday 8am-5pm or 830am -530pm. The Leader of Credit Risk & Originations position at Ironhorse Funding LLC plays a pivotal role in driving the company’s credit strategy and loan origination execution. This executive leader will take charge of overseeing credit policy, underwriting performance, and processing operations, ensuring alignment with our core values of Serve & Help, Teamwork & Communication, and Adaptability. By leading the originations team, providing coaching, and fostering collaboration, you will develop a high-performing environment that prioritizes accountability and respect. Your expertise will guide the establishment of risk-based pricing frameworks and monitoring portfolio performance against delinquency and loss metrics. As the primary interface with capital partners and rating agencies, you will support our long-term growth strategy while maintaining integrity throughout our operations. In this transformative role, your leadership will be critical as we transition to an institutional, scalable lending platform, ensuring operational efficiency and aligning with our capital objectives.

Requirements

Over 10 years of relevant experience in consumer or specialty finance lending.
Executive-level oversight of credit policy, underwriting, and loan origination operations.
Solid track record in risk-based pricing and portfolio performance management across various credit spectrums (prime, non-prime, and sub-prime).
Familiarity with forward flow programs, capital market relationships, and structured finance, particularly in powersports, auto, or adjacent asset classes.
Proven capability to scale lending platforms within high-growth environments.
Deep expertise in credit risk and portfolio management.
At least 5-7 years leading and developing mid and senior level managers.
Strong understanding of capital partnerships.
Experience developing credit policy, underwriting standards, risk appetite, approval frameworks, and risk-based pricing.
Experience managing portfolios and origination volumes, and with metrics such as losses, delinquency, EPD, yield, and portfolio performance.
Experience presenting credit strategy, portfolio performance, risk metrics, and business results to investors, capital partners, rating agencies, boards, or other senior stakeholders.
Experience building, improving, or scaling a credit and/or origination organization.
Experience implementing a significant credit, pricing, underwriting, or origination strategy and the resulting business or portfolio impact.

Nice To Haves

Experience with motorcycle, powersports, marine, RV, automotive, or other specialty lending.
Experience with different types of products and lending channels.

Responsibilities

Lead the credit risk and originations operations for the organization for Motorcycle, Powersports, RV and Marine assets.
Oversee credit policy, underwriting performance, and processing operations.
Lead the originations team, providing coaching and fostering collaboration.
Guide the establishment of risk-based pricing frameworks.
Monitor portfolio performance against delinquency and loss metrics.
Serve as the primary interface with capital partners and rating agencies.
Support the long-term growth strategy while maintaining integrity throughout operations.
Transition to an institutional, scalable lending platform, ensuring operational efficiency and aligning with capital objectives.