VP, Head of Underwriting & Risk

Inspiration Mobility Group•Washington, DC

17h•$225,000 - $250,000•Hybrid

About The Position

This role is responsible for leading underwriting, pricing, risk assessment, and transaction structuring for Inspiration Mobility’s commercial vehicle fleet management business. The VP will evaluate customer credit and risk, and propose creative transaction structures and enhancements to support compliant, efficient, and profitable financing decisions. This position serves as a senior partner to Sales, Fleet, Treasury, Legal, Compliance, and the Investment Committee, aiming to grow the company profitably while maintaining disciplined credit and portfolio standards.

Requirements

12+ years in commercial credit, underwriting, equipment finance, fleet leasing, commercial auto finance, specialty finance, asset-backed lending, or a related field.
3+ years of experience leading underwriting, credit, risk, transaction, or finance teams.
Deep knowledge of commercial fleet finance and/or equipment leasing structures.
Strong understanding of lease economics, collateral management, residual value risk, documentation, credit enhancements, and commercial finance risk.
Experience underwriting regional, national, and/or multi-national commercial customers, including enterprise fleets, middle-market operators, logistics companies, service fleets, public-sector or quasi-public customers, or other vehicle-intensive businesses.
Strong track record managing commercial credit risk while supporting business growth and profitability.
Expert-level Excel skills, including building and auditing complex multi-scenario financial models, underwriting templates, pricing tools, and portfolio analysis models.
Exceptional people leadership skills—building, developing, and managing high-performing teams.
Excellent analytical judgment and communication skills; with an ability to make and articulate clear recommendations with speed, accuracy, and strong customer orientation.
Comfortable operating in a fast-paced, innovative, and high-accountability environment.
Self-starter who takes ownership, seeks input when needed, and consistently drives outcomes.
Alignment with company core values.

Responsibilities

Lead underwriting, pricing, structuring, modeling, and risk evaluation for commercial vehicle leasing and financing opportunities with commercial counterparties that have a regional, national, or multi-national footprint.
Evaluate transaction-level risks, including obligor credit, lease structure, collateral value, residual value exposure, remarketing, and documentation protections.
Conduct detailed financial analysis of prospects and customers, including review of financial statements, cash flows, leverage, liquidity, operating history, and business outlook.
Partner with Fleet Sales and Key Accounts teams to design deal structures and credit enhancements that balance customer needs with internal return, risk, and portfolio quality targets.
Own the credit policy and underwriting framework, including approval thresholds, pricing tools, risk-rating standards, and lease documentation terms, partnering closely with Legal on commercial credit terms.
Serve as the primary gatekeeper to the company’s Investment Committee for fleet leasing transactions, determining which opportunities require approval and preparing clear, well-supported approval materials that present credit concerns, transaction risks, mitigants, and recommended structures.
Ensure underwriting approvals, documentation, and closing conditions are consistent and properly tracked.
With the CFO and Investment Committee, recommend portfolio diversification strategies, including setting limits on portfolio concentration, customer concentration, asset-type, and industry exposure.
Own ongoing portfolio health, monitoring performance, collateral, and risk exposure, and surfacing emerging credit, collateral, or market risks with clear recommendations.
Build and own scalable underwriting infrastructure, leveraging automation and AI to drive efficiency across diligence, credit memo preparation, pricing, and portfolio monitoring.
Lead and manage the underwriting and transactions team, ensuring high performance, accountability, responsiveness, and alignment with company objectives.
Promote a culture of disciplined growth, commercial partnership, analytical rigor, and practical problem solving.