At Capital One I engage and establish business partnerships with high value Automotive OEM Captive and Non-Captive Lenders about our Navigator Platform technology that is playing a critical role in the consumer and dealership car buying experiences. Captive Lenders and Non-Captive Lenders that are embracing these technology tools are meeting the consumers at early touchpoints within their automobile purchase journey. Automobile Lenders need to consider modernizing and refining their strategies and provide workflows where the consumer wants to shop. Providing consumers and dealer speed and simplicity will improve your market share leverage.I am happy to share with you how to accelerate your company's effectiveness and operational efficiencies in delivering an exception car buying experience for consumers and dealers.

Support OEM captive and large lender relationships introducing technology solutions from across the Cox Automotive Enterprise.

Establish and manage the development of a National Automobile Dealer Group department that initiates strategic business partnerships with high value National Automobile Dealer Group clients within the U.S. Develop unique finance programs and Retail Banking cross functional products tailored to support mutually beneficial profitability initiatives. Engage Dealer Group Executives to produce relevant content to manage lending relationships with OEM franchise automotive retailers. Evaluate client needs and provide product solutions.

Managed a $3 billion portfolio turn around improvement that positioned the line of business to expand and grow profitably.Assume overall management and budgetary responsibility for US Credit Organization originating automobile loans, including leading risk methodology, consistent credit execution, building processes to ensure the achievement of the company’s growth and loss forecast objectives as well as improve client experience.

Manage the development and execution of National Credit Risk policy and procedure for the indirect automobile lending credit originations platform. Develop and champion a firm wide Business Integration Process that strengthens business relationships and brand reputation. Responsible to evaluate risk, mitigate fraud, increase returns, minimize losses and exceed growth volume objectives. Responsible to forecast and manage resource efficiency, identify process gaps and recommend solutions that provide superior customer service and satisfaction. Responsible in developing and maintaining relationships with key internal and external partners. Ensure compliance with company policy and procedures. Provide supervision and identify coaching, mentoring opportunities for team members. Manage a work environment where team members are motivated, engaged and recognized for their contributions and performance.

Responsible for the management and service delivery of a National Credit Servicing platform that provided a broad credit spectrum and coast to Private Label service execution for Subaru, Mazda and Jaguar Land Rover. This included rehabilitating dealer relationships by evaluating gaps in credit service, understanding their needs, and providing solutions that would retain their business. Developed a collaborative and cohesive partnership between the Private Label Sales teams managers and senior leaders.

Executive level position responsible for leading all Indirect Automobile Lending Operations in the Eastern United States.Charged with achieving $3.3B origination volume, profit and company leading credit performance in Easter US. Developed and executed marketing, sales and credit strategies, and provided leadership to the 25 Regional Credit Centers, 3 Vice Presidents managing150 Sales representative . Extensive knowledge of credit regulations as well as consumer finance funding and collection processes. Achieved $3.3B loan budget annually with a 3% ROI and an expense ratio of < 2.5% ANR.

Managing Executive responsible for Indirect Automotive Lending Canada headquartered in Mississauga, Ontario. Canadian operations originating $1.2B loans annually through 4 VP direct reports, 18 Dealer Relationship Managers, 12 credit centers countrywide, and 500 total staff. Strong focus on imbedding indirect lending channel in Canadian market.Achieved $200MM loan goals annually by introducing the American indirect automobile consumer lending practices and platform to Canadian auto franchise dealers. Created a centralized Canada-only loan funding department with 50 employees that vastly cut costs and upgraded service as compared to the US parent. Introduced Dealer Track, a nationally known credit application portal, to Canadian franchise auto dealer community. Enabled both dealers and lenders to streamline the application process.Seamlessly transitioned into the Canadian culture and became highly trusted industry advisor.