• Developed and implemented comprehensive credit underwriting, portfolio management, and collections behavioral scoring methodologies for the North American market.• Provided quantitative and statistical expertise to Credit Operations, driving automation and strategic decision-making• Spearheaded global initiative to deploy new decision engine platform for consumer and commercial credit applications, enhancing efficiency and flexibility • Oversaw development and implementation of auto approval, auto decline and fraud prevention machine learning models.• Presented portfolio performance insights and various analyses to top executive levels in the US, Canada and Mexico• Implemented multiple scorecards for both originations and risk-based collections reducing annual credit losses while supporting high approval rates• Mentored and coached direct reports in credit scoring and risk evaluation methodologies• Implemented external credit bureau data to develop portfolio monitoring and assess current financial health of all active customers

• Managed U.S. Insurance operations department overseeing strategic initiatives, reporting, analytics, operations, and sales support for eight Regional Insurance Managers• Expanded dealer participation in the floor plan insurance program, successfully insuring over $3.0 billion in inventory for passenger car and commercial vehicle dealerships• Implemented sophisticated reporting website to track employee and dealer performance, enhancing transparency and efficiency• Conducted quarterly underwriting reviews of all insurance programs in collaboration with underwriting partners to ensure compliance and optimize program performance

• Responsible for ongoing implementation and monitoring of champion-challenger decision strategies for consumer and commercial delinquent portfolios• Collaborated with retail credit and small business credit to increase automation and improve credit strategies• Generated reports and provided analysis on credit risk metrics, trends, and portfolio performance to senior management

Led and contributed to strategic projects selected by executive management to positively impact performance and process improvement across numerous departments• Coordinated and implemented 39 On the Ground initiatives within Dealer Credit, Credit Operations, Fleet Credit, Small Business Credit and Customer Service with an estimated savings of $1M annually• Manage intern in successful completion of multiple projects• Led Customer Service through major integration and optimization project resulting in 214 identified initiatives and $800K+ of achieved annualized savings• Led project in analyzing business operations with MB Puerto Rico dealership resulting in recommendations benefiting the organization $650K+ annually• Led Title Management Outsourcing project which saved nearly $500k annually

Coordinated regional aspects of Mercedes-Benz Financial business goals to support Western Region dealers• Liaison between MBF, MBUSA and DFS Headquarters facilitating all aspects of regional operations including reporting and market analysis• Created thorough dealer analysis and Wholesale Cost Comparisons to assist DRMs in acquiring new floorplan dealers• Analyzed data and variances utilizing Cognos, Essbase and Datawarehouse queries• Developed and implemented Dealer Collections Scorecard, DRM Scorecard and Dealer Profile reports