Credit Risk and Originations Leader

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.

You will receive generous benefits such as Medical, Dental, Vision, 401(k), Life Insurance, Health Savings Account, Flexible Spending Account, Competitive Salary, Unlimited Paid Time Off, Paid Volunteer Day, and 401(k) with employer match and immediately vested. This is your opportunity to make a difference that resonates.

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.
Your day as LEADER of Credit RISK and Originations

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.
What matters most

To excel as the Credit Risk & Originations Leader at Ironhorse Funding LLC, candidates must possess a robust skill set and substantial experience in consumer or specialty finance lending, ideally with over 10 years of relevant experience. Executive-level oversight of credit policy, underwriting, and loan origination operations is essential for driving our strategic objectives. Successful applicants will demonstrate a solid track record in risk-based pricing and portfolio performance management across various credit spectrums, including prime, non-prime, and sub-prime markets. Familiarity with forward flow programs, capital market relationships, and structured finance is highly valued, particularly in powersports, auto, or adjacent asset classes. Candidates should exhibit a proven capability to scale lending platforms within high-growth environments, alongside deep expertise in credit risk and portfolio management. The candidate we are looking for has at least 5-7 years leading and developing mid and senior level managers.

A strong understanding of capital partnerships will be crucial for aligning our operational goals with our core values: Serve & Help, Teamwork & Communication, Adaptability, Accountability, Respect & Integrity.
Will you join our team?

If you have these qualities and this posting describes your areas of expertise, we'd love to talk to you. Apply now using our online application, submitting your resume' and cover letter. Your cover letter should include specific examples addressing:

• Powersports & Specialty Finance: Describe your experience with motorcycle, powersports, marine, RV, automotive, or other specialty lending, including the types of products and lending channels you have supported.
• Credit & Underwriting Leadership: Describe your experience developing credit policy, underwriting standards, risk appetite, approval frameworks, and risk-based pricing.
• Portfolio & Origination Performance: Describe the size and scope of portfolios and origination volumes you have managed, and your experience with metrics such as losses, delinquency, EPD, yield, and portfolio performance.
• Investor & Executive Communication: Describe your experience presenting credit strategy, portfolio performance, risk metrics, and business results to investors, capital partners, rating agencies, boards, or other senior stakeholders.
• Leadership & Scale: Describe the size and scope of the teams you have led and an example of how you have built, improved, or scaled a credit and/or origination organization.
• Strategic Impact: Provide an example of a significant credit, pricing, underwriting, or origination strategy you have implemented and the resulting business or portfolio impact.