VP, Head of Underwriting & Risk

Your Mission:

Your mission is toleadunderwriting,pricing,riskassessmentand transactionstructuring forInspiration Mobility’scommercialvehiclefleetmanagementbusiness.You will evaluatecustomercredit andrisk, andpropose creative transaction structures and enhancements that support compliant, efficient, and profitable financing decisions.You will serve as a senior partner to Sales, Fleet, Treasury, Legal, Compliance, and the Investment Committee, helping the company grow profitably whilemaintainingdisciplined credit and portfolio standards.

You will report toourChief Financial Officer

Key Responsibilities:

Transaction Underwriting, Pricing & Structuring

• 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 ofprospects and customers, including review of financial statements, cash flows, leverage, liquidity, operating history, and business outlook

• Partner with Fleet Sales and Key Accounts teamsto design deal structures and credit enhancements thatbalancecustomerneedswithinternal return,risk, andportfolio 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

Investment Committee & Credit Governance

• Serve as the primary gatekeeper to the company’s Investment Committee for fleetleasingtransactions, determining

• which opportunities requireapproval and preparing clear, well-supported approval materialsthat 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 settinglimits onportfolio concentration,customer concentration,asset-type, and industryexposure

• Own ongoing portfolio health, monitoring performance, collateral, and risk exposure, and surfacing emerging credit, collateral, or market risks with clear recommendations

Tools, Automation & Team Leadership

• 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

Who You Are:

• You have12+ years in commercial credit,underwriting, equipment finance,fleet leasing,commercial auto finance,specialty finance,asset-backed lending,or a relatedfield

• You have3+ years of experience leading underwriting, credit, risk, transaction, or finance teams

• You have a deep knowledge of commercial fleet finance and/or equipment leasing structures

• You have a strong understanding of lease economics, collateral management, residual value risk, documentation, credit enhancements, and commercial finance risk

• You have experience underwriting regional, national, and/or multi-national commercial customers, including enterprise fleets, middle-market operators,logisticscompanies, service fleets, public-sector or quasi-public customers, or other vehicle-intensive businesses

• You have a strongtrack recordmanagingcommercialcredit risk while supportingbusinessgrowth and profitability

• You haveexpert-levelExcel skills, including building and auditing complex multi-scenario financial models, underwriting templates, pricing tools, andportfolio analysis models

• You are an exceptional people leader—building, developing, and managing high-performing teams

• You have excellent analytical judgment and communication skills;with an abilitytomakeand articulateclearrecommendationswith speed, accuracy, and strong customer orientation

• You are comfortable operating in a fast-paced, innovative, and high-accountability environment

• You are a self-starter who takes ownership, seeks input when needed, and consistently drives outcomes

• Our core values (see below) are part of your inherent DNA, and you can cite many examples of when you demonstrated these values in your career

Salary:$225,000 - $250,000 plus annual bonus eligible