Management

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 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 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 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 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 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 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 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.

Mr. Cohler has served as our Executive Vice President and Head of Decision Sciences and Model Development since March 2020. Prior to joining us, he served as a Managing Director at Bank of America from May 2015 to November 2017, where he was Head of Consumer Risk Analytics and Modeling. Prior to Bank of America, Mr. Cohler was employed by JP Morgan for 28 years, where he most recently served as a Managing Director and Head of Consumer Risk Modeling. In these roles, he has worked in a variety of analytical areas including CCAR, CECL, capital and counterparty as well as structured products and derivatives trading models. Mr. Cohler holds a Ph.D. in theoretical physics from Yale University.