Directed SAP's Global Credit Services Line of Business responsible for Customer Financing, Internal Credit and SOX compliance. Promoted in 2020 to manage SAP's $240M Global Credit Card & Direct Debit customer solutions.HIGHLIGHTS: -Delivered continuous financing revenue growth leading to record $1.1B financed in 2020-Reduced interest expense by over 35% through fixed global pricing-Developed new financing programs and products to support SAP's new business initiatives, including Cloud products, Consumption True Use products, and Implementation Services projects-Introduced new global revenue recognition policies, strategically adjusting to new IFRS 15 accounting rules-Assumed legal responsibility for financing business in 2017, hired and manage in-house legal counsel -Oversaw development of new customer contracting process, migrating away from loan documents to Extended Payment Plan addendum for SAP’s product contracts, rolled out globally-Led automation project to create Extended Payment Plan contracts and enabled localization and translation of all enterprise documents globally-Automated and simplified credit approval processes, enabling team to increase scope without increasing resources to support growing financing business, while reducing costs by 75%-Improved operational and cost efficiencies after transforming the credit management team in shared service centers to improve operational and cost efficiencies-Created new Sales Operations team supporting financing business-Developed and operationalized Sales Operations team to manage all contracting and end-to-end post close activities for financing transactions-Led global program rollout for end customer payment solutions via credit card, direct debit, and digital wallet -Managed overall automation projects, migrating from internal legacy IT systems to new IT platforms

Promoted to manage the Global Payment Services team and implement North America’s financing business model across the globe. Responsible for developing and implementing global financing program strategy, sales integration, and processes.HIGHLIGHTS: -Spearheaded relaunch of global program to replicate North America business model focusing on direct sales engagement for enterprise customers with outsourced coverage of SMB reseller business-Exceeded first year revenue target of $190M by 160%, closing $300M in 2011 and consistently achieving financing revenue growth averaging 25% YOY-Implemented 5-year strategic plan to reach $600M in financing revenue across all market units and lines of businesses by 2016—achieved goal one year early -Launched SAP's global financing relationship with Citibank, introducing assignment of receivables financing program focused on transactions with less than 12 month terms in 2015-Expanded global program to 43 unique countries, onboarding new regional banking partners across the globe

Launched and managed SAP’s North America financing program, developing, and implementing regional financing program strategy, sales integration, and end-to-end processes.HIGHLIGHTS: -Maintained primary focus on direct sales engagement for enterprise customers-Created go-to-market sales strategy, marketing, and training collateral to support sales executives-Led program development and rollout of outsourced engagement for SMB reseller line of business (LOB)-Achieved $120M in overall financing volume growth annually-Introduced new revenue recognition policies for internal accounting rules related to financing transactions and financing concession treatment-Migrated financing program from 3rd-party banking contracts to internal private label contracts and processes-Developed and managed all strategic banking partner relationships, aligning with North America Treasury and CFO

Involved in the management, structuring and closure of large, complex and competitive global opportunities. The transactions arise from strategic customers, new and existing, from all SAP regions, including North America, Asia Pacific Japan, and EMEA.

Manage all vendor relationships and financing transactions in the Northeast Region for the SAP and Veritas software vendor programs. Develop structured financing solutions for Fortune 1000 companies’ acquisition of software licenses, maintenance and associated implementation expenses. Transaction amounts range from $500k to $20mm and require customized structures to maximize revenue recognition for each transaction. Build on-going relationships with EVP of Sales, regional Sales VPs and Account Executives and provide ongoing training to sales team on how to use financing to increase volume, account control and revenue. Find and develop strategic business relationships with-in vendors partner communities, consulting organizations and value engineering teams. Manage day-to-day operations with vendor finance and contract organizations.

Managed all leasing transactions in Sun’s Southern Territory Region, Bay Area. Closed 200% of goal for portfolio net margin – top 10 in North America in Sun’s FY’02. Primary function was outside sales, selling to Sun customers at the C level, usually to the CFO and VP of Finance. Built on-going relationships with Sun sales representatives and reseller channel, providing financial solutions encompassing residual values, debt rates, and special structures. Transaction amounts ranged from $100k to $2.5mm. Provided ongoing training to Sun and reseller hardware representatives on how and why leasing with Sun Microsystems Finance increases volume and account control for Sun.

Closed Lease Transaction volume of $37MM in the first two quarters of 2000 and $67MM 1999. Closed revenue of $200K in the first two quarters of 2000 and $400K in 1999. Consistently closed over 50% of SGI’s domestic leasing volume. Managed the Eastern US region, Cray lease extensions, and international customers, outside of Europe. Provided financial solutions encompassing residual values, debt rates, and special structures for transactions ranging from $100K to $10MM. Managed funding sources to facilitate credit decisions and pricing. Taught SGI hardware sales representatives to use leasing to increase sales and profit margins.

Managed the Healthcare, Central and Great Lakes regions with-in the Dell Preferred Accounts Division. Presented and closed companies on the DFS product offerings: Lease Financing, Asset Management and Asset Recovery services. Developed and maintained client relationships through inside and outside sales. Educated DFS sales representatives about product offerings – everything from lead generation to closing transactions. Trained Dell sales representatives how to use DFS product offerings to increase sales and profit margins.Integration Team Member, 1997One of the first employees selected to integrate DFS (start-up leasing company) into Dell’s direct business model. Helped develop and refine DFS product offerings. Transferred to DFS from Newcourt Financial USA, Inc. (now CIT Group)

Managed national and regional small-ticket vendor accounts. Prospected and developed new vendor accounts through inside and outside sales. Developed two vendor accounts that produced over $400K a month in volume, each within 6 months of start-up. Trained new sales representatives regarding sales and product information.