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Management

The Company’s management team has ably steered the company through economic expansions as well as downturns, as evidenced by our strong financial performance.

Mahesh Aditya, President and Chief Executive Officer

Mahesh Aditya was named President and CEO of Santander Consumer in December 2019. He joined Santander Holdings in March 2017 as US Chief Operating Officer and was named US Chief Risk Officer in May 2018. He is currently on the Board of Santander Consumer and till December 2019 was on the Board of Banco Santander Puerto Rico. Prior to joining Santander he was the Chief Risk Officer and Member of the Operating Committee for Visa Inc.

Mahesh started his career with Citibank in 1990 in Risk Management and Operations in India. He then helped start Citibank’s Credit Card and Retail Banking business in Egypt. He was subsequently based in Madrid as Chief Risk Officer of Citibank Spain and Portugal and later in New York as CRO for Citibank North America. Mahesh left Citibank after 17 years and joined JPMorgan Chase as Chief Risk Officer of Retail Banking and later served as CRO Mortgage Banking. Between 2009 and 2011 he worked at Capital One as Head of Risk for Mortgage and Business Banking.

Mahesh has a degree in Electrical Engineering from Bangalore University and an MBA from the Faculty of Management Studies, Delhi University. He has served as a member of the board of Early Warning Systems (EWS).

Joshua Baer, Head of Pricing and Strategy

Joshua Baer was named Head of Pricing and Strategy in January 2021 after serving as SCs Chief Risk Officer since 2018. He joined SC after working for Santander Holdings USA, Inc. (SHUSA), where he served as Head of Operations and Risk Strategy. Prior to SHUSA, Mr. Baer worked at Capital One for 13 years, most recently as the Head of Consumer Credit Risk Analytics since 2010. Mr. Baer holds a bachelor’s degree in finance from James Madison University and a master’s degree in business administration from the Haas School of Business at the University of California, Berkeley.

Sandra Broderick, Executive Vice President, Head of Operations

Sandra Broderick began serving as our Executive Vice President, Head of Operations in 2017. Prior to joining the Company, Ms. Broderick served as Executive Vice President, Operations Executive at U.S. Bank where she oversaw consumer originations and servicing. Ms. Broderick has also served as Managing Director, Operations Executive at JPMorgan Chase; SVP, Operations Executive at Bank One; and Senior Operations Director at G.E. Capital.

Ms. Broderick attended the State University of New York at Buffalo.

Bruce Jackson, President of Chrysler Capital and Auto Relationships

Mr. Jackson joined SC in 2021 after having served as Managing Director and Head of Dealer Services for JPMorgan Chase since 2013. While at Chase, he was responsible for the P&L for the bank's portfolio of consumer auto loans, commercial loans, and treasury management products and services, and a team of more than 1,100 employees. Mr. Jackson also provided line-of-business oversight in the areas of regulatory compliance, expense management, lending strategies, pricing and digital offerings.

Prior to joining Chase, Mr. Jackson held senior auto finance leadership roles at Ally Financial, Bank of America, WFS Financial and Toyota Motor Credit. He earned his bachelor's degree in business administration from Sam Houston State University.

Fahmi Karam, Chief Financial Officer

Fahmi Karam was named Chief Financial Officer in September 2019. He previously served as Head of Pricing and Analytics, a role he served since May of 2018. He joined SC as Executive Vice President, Strategy & Corporate Development in September 2015 overseeing financial planning and analysis, asset acquisition/sales and other strategic initiatives. Prior to SC, Mr. Karam was at JP Morgan Investment Bank for 12 years, where he ended serving as an Executive Director. Prior to JP Morgan, Mr. Karam served as a Senior Associate at Deloitte Audit Assurance Services for two years. Mr. Karam received his Bachelor’s and Master’s of Accounting from Baylor University. He is a Certified Public Accountant.

Christopher Pfirrman, General Counsel

Christopher Pfirrman joined Santander Consumer USA as General Counsel in September of 2015. Previously, Mr. Pfirrman served as General Counsel of Santander Holdings USA, Inc. where he advised the Board of Directors and senior management regarding all legal issues impacting SHUSA. Prior to joining SHUSA in 2012, Mr. Pfirrman was Deputy General Counsel of Sovereign Bank from 2000 to 2012 and Counsel of Edwards & Angell, LLP (now Locke Lord) from 1996 to 2000. Mr. Pfirrman is a member of the Commonwealth of Massachusetts and Connecticut Bar Associations. He holds a Bachelor’s Degree from Fairfield University and a J.D. from the William & Mary School of Law.

RL Prasad, Chief Risk Officer

Prior to being named Chief Risk Officer for Santander Consumer in January 2021, Mr. Prasad served as SC's Deputy Chief Risk Officer since February 2020. Prior to joining SC, he served as Head of Global Payments Risk and Global Head of Risk Services for Visa Inc. In his 20+ years career Mr. Prasad has also held senior enterprise leadership roles in credit and risk at Standard Chartered Bank and Citigroup. He earned his MBA at Bharathidasan Institute of Management, Trichy, and earned a bachelor's degree in commerce and economics from Madras University.

Sandra Rosa, Chief Human Resources Officer

Sandra Rosa began serving as our Chief Human Resources Officer for SC in June 2021, bringing nearly 30 years of experience in coaching, talent management, performance planning, employee relations, compensation, and change management.

She previously served as Senior Vice President and Executive Director Human Resources Business Partner at Santander Bank, N.A. joining in July 2017 in which she supported the largest business areas at the bank such as Consumer & Business Banking, with over 500 branches and 4,000 employees across the Northeast and Florida, the Operations team and Technology. She later assumed a dual-hatted role as Head of Talent Management for Santander US from July 2019 to May 2021.

Prior to joining Santander in 2017, Ms. Rosa was the Head of Talent Acquisition for JP Morgan’s Consumer Bank and Chase Wealth Management businesses. During her 24-year tenure with JP Morgan Chase, she held a variety of senior human resources business partner roles across multiple lines of business such as Head of Consumer Bank Human Resources for the Midwest region supporting 12,000 branch and wealth management employees in Illinois, Indiana, Kentucky, Michigan, Ohio, West Virginia, and Wisconsin. Previously, she served as a Senior Human Resources Business Partner in Corporate, Treasury and Securities Services, and Chase Card Services.

Ms. Rosa holds a BA in Human Services from Judson University.

Donald Smith, Chief Technology Officer

Don joined SC in 2020 with more than 20 years of senior executive experience in Information Technology, most recently serving as Chief Information Officer for Xpanse, Inc. and Common Securitization Solutions. Throughout his career Don has held numerous CIO, CTO and SVP leadership roles at Black Knight Financial Services, JPMorgan Chase, Metropolitan Life Insurance, Microsoft and Dun & Bradstreet. Don brings a strong strategic and business mindset coupled with a deep understanding of the full spectrum of Information Technology disciplines essential to a safe and sound IT operation under large bank standards. He attended Northeasten University and Dean College, where he studied computer science, and Montclair State University, where he obtained a certificate in professional web development.

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SC Holdings Investor Relations
P.O. Box 961245
Fort Worth, TX 76161-1245
1-800-493-8219

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