Andrew Shearer

Led the conversion of new IT systems and strategies that aligned digital touchpoints with operations and transitioned singular dealer processes into a scalable reporting framework.

Responsible for financial modeling and strategy development across multiple divisions.

Developed an ERM model to holistically identify, measure, report, resolve, and monitor core risks to key stakeholders: interest rate, credit, regulatory, operational, and strategic risks.

Restricted the Retail division's gross margin 10% based on risk-based structuring to generate a scalable model 150% of base EBITA per new location.

• Oversaw the design, implementation, and success of client facing structured financial products.

• Directed Private Equity and intermediary lenders in the creation of Capital Market entry points for receivable producing dealerships.

• Successfully transitioned 26M in receivables while structuring over 100M in potential programs.

• Developed dealership financial strategies to maximize capital allocation translating into multiple successful client growth projects.

• Provided expertise in consumer receivable analytics to enhance financial institution bottom line profits through: pricing strategy, risk analysis, and strategic planning.

• Development and deployment of financial models to measure and mitigate: credit, interest, operational, and strategic risks as well as improve operational efficiencies.

• Developed strategic changes through financial modeling and pricing structures increasing volume and bottom-line profits.

• Provided data-driven initiatives propeling AR 320% and an EBITA increase of 500% over a 3.5 year period scaling on increased acquistion sizes based on raised confidence in risk expectations.

• Organized, outlined, and provided strategic analysis to executive members for pertinent loan structure changes based on product structure trends, risks, and return.