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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).

Fahmi Karam, Chief Financial Officer

Fahmi Karam was named Chief Financial Officer in September 2019 in addition to his position as Head of Pricing and Analytics, a role he has 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.

Joshua Baer, Head of Pricing and Strategy

Joshua Baer was named Head of Pricing and Strategy after serving as SCs Chief Risk Officer since March 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.

Shawn Allgood, Head of Chrysler Capital and Auto Relationships

Shawn Allgood was named Head of Chrysler Capital and Auto Relationships in July of 2019. Mr. Allgood has served as the Executive Vice President of Chrysler Capital for the Company since April 2017. In his new role, Mr. Allgood will be responsible for Chrysler Capital, sales and marketing activities, and dealer and customer relationships. Prior to joining the Company, Mr. Allgood held several positions at Ally Financial Inc., f/k/a General Motors Acceptance Corporation, for 29 years where his last role was Executive Director of Collections.

Mr. Allgood received a Bachelor of Arts from Valdosta State University and a Master of Business Administration from Kennesaw State University.

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 holds a Bachelor’s in Business Administration from the State University of New York at Buffalo.

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.

Mikenzie Sari, Chief Human Resources Officer

Mikenzie Sari began serving as our Chief Human Resources Officer for Santander Consumer USA Holdings Inc. in September 2018. She previously served as Human Resources Leader for Wholesale Banking an Santander Bank, N.A., an affiliate of the Company, and Chief Human Resources Officer of Santander Investment Securities, an affiliate of the Company, from February 2016 to September 2018. Prior to that she served as Managing Director, Human Resources Business Partners – Wholesale Banking at Mitsubishi UFJ Financial Group from April 2013 to January 2016.

She joined Santander in 2016 and brings over 15 years of financial services and human resources expertise to her current role. Ms. Sari has also held positions at Ally Financial (2009–13) and Bank of America (2002-09).

Ms. Sari holds a Master of Business Administration degree from Kellogg Graduate School of Management and a Bachelor of Science in Mechanical Engineering from Northwestern University.

RL Prasad, Chief Risk Officer

Prior to being named Chief Risk Officer for Santander Consumer, 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.

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 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.

Nina Vitagliano, Chief Audit Executive

Nina has been part of Santander US since 2016, when she joined SC as Head of Internal Control. She went on to serve as Head of Internal Control for Santander US, a position she has held since 2018. Prior to joining Santander, Nina served as Chief Financial Officer for Think Finance, Vice President and Controller for Cash America, worked as a consulting CFO for several companies, and held executive finance roles for McKesson, Citi and Bank One.

Virnitia Hendricks, Chief Diversity Officer, Head of the Office of Diversity, Equity and Inclusion

Virnitia joined SC in 2021 bringing more than 20 years of organizational leadership experience, helping many organizations develop and implement large-scale strategies focused on transformational change and building winning cultures. She joins SC after serving as Principal Consultant and Executive Coach for Quotidian Group. In her career she has also held senior leadership roles for New York Life and Travelers Property Casualty in operational leadership, customer advocacy, call center management, analytics and reporting, and audit and compliance.­ ­ Dr. Hendricks received her bachelor’s degree and MBA from the University of Hartford, and her Doctor of Management degree in Organizational Leadership from the University of Phoenix. She holds the PCC and CPC professional coaching certifications, and has received several awards during her career including being named one of Connecticut’s Most Influential and Powerful Women by the Connecticut Diversity Council.

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