As President of an auto finance company, I drive financial performance, oversee risk management, manage capital markets and debt facilities, and foster key business partnerships to support the company's growth.

I advanced to optimize the financial performance of this auto lending company, with a focus on enhancing financial planning, financial risk management, recordkeeping and financial reporting. As part of this role, I maintain a rigorous framework of internal controls and ensure compliance with GAAP. I also oversee structured debt facilities, capital markets and bank relationships in addition to fostering mutually beneficial business partnerships. My treasury duties encompass managing all facets of funds and financial instruments. As the company’s senior most finance leader, I indirectly supervise and manage HR and payroll department for 60 staff.HIGHLIGHTS► Maximized revenue by obtaining liquidity to support portfolio growth strategies.► Executed company’s inaugural securitization in January 2018, reducing interest expense with weighted average fixed rate of 3.15%, achieving tightest spreads of any first-time auto ABS issuer and diversifying funding sources, among other results.► Bolstered accounting and cash management infrastructure through transitioning from regional public accounting firm to Grant Thornton LLP and migrating to more robust accounting software; eliminated processing fee expense while adding complementary revenue, improved scalability and ensured compliance with security standards and GAAP.► Implemented dual $50M revolving asset-backed commercial paper facilities, minimizing interest expense, diversifying funding sources, accessing 2 of the largest banks in the US and establishing bankruptcy remote ABS structure.KEY TRANSACTIONS-> $140M Avid ART 2021-1 'AAA' rated asset-backed term securitization (2021) -> $180M Avid ART 2019-1 asset-backed term securitization (2019) -> $110M J.P. Morgan revolving asset-backed warehouse facility (2019) -> $65M Capital One revolving asset-backed warehouse facility (2019) -> $71M syndicated senior secured revolving line of credit (2018) -> $200M+ of various private auto pool sales (2012-2019)

Recruited into this dual role based on my breadth of knowledge, I ensured risk-aware and compliant financial operations and accounting procedures along with providing financial insights to facilitate business development. My scope of work included preparing reports, monitoring internal controls and assessing financial data to enable informed business decision making.HIGHLIGHTS► Enhanced company services and maximized efficiencies through driving continuous process improvements and shaping financial strategies aligned with corporate business objectives.

Following a promotion from Recovery Specialist to Team Supervisor, I was appointed to oversee a team of 12 professionals servicing a portfolio of 10,000 accounts representing $150M+. In this leadership role, I defined and implemented performance goals, established procedures, assigned tasks to team members and conducted one-on-one performance evaluations.HIGHLIGHTS► Ranked as top-performing supervisor for 4 consecutive years based on performance reviews and rank.► Reduced company’s total delinquencies and losses significantly.