Credit Risk and Originations Leader

About the role

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 embodies our core values of Serve & Help, Teamwork & Communication, Adaptability, Accountability, Respect & Integrity.

Responsibilities

• Oversee credit policy, underwriting performance, and processing operations, ensuring alignment with core values.
• Lead the originations team, provide coaching, and foster collaboration to develop a high‑performing environment that prioritizes accountability and respect.
• Guide the establishment of 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 while maintaining integrity.
• Drive transition to an institutional, scalable lending platform, ensuring operational efficiency and alignment with capital objectives.

Qualifications

• Robust skill set and substantial experience in consumer or specialty finance lending, ideally over 10 years of relevant experience.
• Executive‑level oversight of credit policy, underwriting, and loan origination operations.
• Solid 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.
• Proven capability to scale lending platforms within high‑growth environments, alongside 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 to align operational goals with core values.

Benefits

• Medical
• Dental
• Vision
• 401(k)
• Life Insurance
• Health Savings Account
• Flexible S