Credit Risk and Originations Leader

Ironhorse Funding LLC; Irving (TX); On-site; USD 140,000 - 190,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401(k) plan

Life Insurance

Health Savings Account

Flexible Spending Account

Competitive Salary

Unlimited Paid Time Off

Paid Volunteer Day

Employer 401(k) match

Job summary

Ironhorse Funding LLC seeks a Full-Time SVP of Credit Risk and Loan Originations onsite in Irving, TX. Lead credit policy, underwriting performance, and loan origination operations to drive strategic growth while maintaining integrity and accountability.

You will manage risk-based pricing, portfolio performance, and relationships with capital partners, rating agencies, and internal teams to scale the lending platform across consumer and dealer channels.

Qualifications

• Executive-level credit risk and originations experience.
• Experience in consumer or specialty finance lending.
• Proven ability to scale lending platforms in high-growth environments.
• Strong understanding of risk-based pricing and portfolio performance.

Responsibilities

• Oversee credit policy, underwriting performance, and processing operations.
• Lead the originations team with coaching and collaboration to drive results.
• Serve as primary interface with capital partners and rating agencies.
• Develop and implement risk-based pricing frameworks across portfolios.
• Ensure alignment with company values and strategic growth objectives.

Skills

Credit risk management

Loan origination leadership

Executive leadership

Underwriting

Portfolio management

Risk-based pricing

Capital partnerships

Strategic planning

Job description

Join Ironhorse Funding LLC as our Full-Time SVP of Credit Risk and Loan Originations, located onsite in Irving, TX, 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.

Ironhorse Funding LLC: OUR STORY

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.

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.