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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.

Scott Powell, President, Chief Executive Officer

Scott Powell is the Chief Executive Officer of Santander US and Santander Consumer USA (SC). He is responsible for managing Santander’s business units in the United States, and he leads SC, which is Santander’s largest US subsidiary.

Scott became CEO of Santander US in March of 2015 and has more than three decades of experience working in retail banking, risk management and consumer and auto lending. He was appointed CEO of Santander Consumer in August of 2017. Prior to joining Santander, he held a variety of senior positions at JPMorgan Chase & Co., including Head of Banking and Consumer Lending Operations, CEO of Consumer Banking and Retail Investments, Head of Consumer Lending, Head of Chase Auto Finance, and Chief Risk Officer, Consumer. He also spent 14 years at Citigroup in a variety of senior risk management roles.

Scott holds a Bachelor of Arts from the University of Minnesota and a Master of Business Administration from the University of Maryland. He currently serves on the Board of Directors of The Financial Services Roundtable and is a member of the supervisory board of The Clearing House. He also serves on the boards of the Phipps Houses and The End Fund.

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, Chief Risk Officer

Joshua Baer has served as our Chief Risk Officer since March 2018, joining us from SHUSA, where he served as Head of Operations and Risk Strategy since May 2017. 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.

Reza Leaali, Chief Technology Officer

Reza Leaali has served as our Chief Technology Officer since February 2018. He previously served as Chief Information Officer for Wells Fargo from 2002 to 2018 and for PurchasePro from 2001 to 2002. Prior to that, Mr. Leaali held the position of Chief Architect at IngramMicro from 1995 to 2001. Mr. Leaali holds a bachelor’s degree in computer science from North London University.

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.

Contact Investor Relations

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