Credit Risk and Originations Leader

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.

About the role

This pivotal role offers an exciting opportunity for high achievers who embody our core values of Serve & Help, Teamwork & Communication, Adaptability, Accountability, Respect & Integrity. You will lead the credit risk and originations operations for the organization for Motorcycle, Powersports, RV, and Marine assets.

As the SVP of Credit Risk & Originations, you will drive the company’s credit strategy and loan origination execution, overseeing credit policy, underwriting performance, and processing operations. You will lead the originations team, provide coaching, and foster collaboration to 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.

This role is critical as we transition to an institutional, scalable lending platform, ensuring operational efficiency and aligning with our capital objectives.

Location: Onsite in Beverly, MA
Schedule: Monday to Friday, 8:00 AM–5:00 PM or 8:30 AM–5:30 PM

Responsibilities

• Oversee credit policy, underwriting performance, and processing operations.
• Lead the originations team, providing coaching and fostering collaboration.
• Develop and maintain a high-performing environment prioritizing accountability and respect.
• Establish risk-based pricing frameworks and monitor portfolio performance against delinquency and loss metrics.
• Serve as the primary interface with capital partners and rating agencies to support long-term growth strategy.
• Drive operational efficiency and alignment with capital objectives during the transition to an institutional, scalable lending platform.

Requirements

• Over 10 years of relevant experience in consumer or specialty finance lending.
• Executive-level oversight of credit policy, underwriting, and loan origination operations.
• Proven track record in risk-based pricing and portfolio performance management across prime, non-prime, and sub-prime markets.
• Familiarity with forward flow programs, capital market relationships, and structured finance, particularly in powersports, auto, or adjacent asset classes.
• Experience scaling lending platforms within high-growth environments.
• Deep expertise in credit risk and portfolio management.
• At least 5–7 years of experience leading and developing mid-level managers.
• Strong understanding of capital markets and structured finance.

Benefits

• Medical, Dental, and Vision coverage
• 401(k) with employer match and immediate vesting
• Life Insurance
• Health Savings Account (HSA)
• Flexible Spending Account (FSA)
• Unlimited Paid Time Off
• Paid Volunteer Day

Pay

Salary range: $140,000–$190,000 (does not include bonus potential). Title determination (Vice President or Senior Vice President) will be based on the candidate’s relevant experience, skills, and other considerations obtained during the interview process.