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Steve Fitzpatrick is a seasoned executive in credit risk management, currently serving as SVP and Chief Credit Officer at GM Financial, where responsibilities include building a credit strategy for a bank in formation and managing the P&L. Prior experience includes positions as Bank Credit Risk Officer at Alliance Data Card Services, focusing on credit risk management for $22B in assets, and Senior Manager of Credit Operations at Tesla, overseeing worldwide credit decisions. Fitzpatrick's early career included significant roles in GE Capital Bank, Ally Bank, and Ford Credit, where expertise was developed in credit policy, underwriting, compliance, and portfolio management. Fitzpatrick holds a BS in Business from St. Norbert College.