Raoul Lehardy
Director of Credit @Backd Business Funding
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WORK HISTORY
Director of Credit @Backd Business Funding
EDUCATION
University of Tampa
Bachelor of Science - BS, Finance, General
SKILLS
ABOUT RAOUL LEHARDY
I am a credit and underwriting leader with experience driving disciplined credit decisions, strong portfolio performance, and scalable risk strategy in small business lending. As Head of Underwriting, I help high growth lenders balance smart risk selection with efficient decisioning, reducing losses while supporting sustainable growth.I specialize in building and refining underwriting frameworks, credit policy, and risk models that enable consistent, data backed decisions across diverse portfolios. My work focuses on credit risk strategy, portfolio performance monitoring, process optimization, and cross functional collaboration with analytics, product, and operations teams.I am known for translating complex financial data into practical underwriting standards that improve predictability, strengthen portfolio quality, and align risk with business objectives.I bring a finance background as a CFA charterholder and hands on experience across commercial and SMB lending. If you are scaling a credit function, evolving underwriting strategy, or seeking leadership that connects risk management to measurable outcomes, I would be glad to connect.
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