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I am a highly adaptable and motivated global P&L manager with a significant track record of delivering on results in difficult environments to drive net income and create shareholder value.  I have achieved success through designing, developing and building customer focused solutions, driving change and streamlining supplier and operational processes.

Specialties: 
Industries - Consumer Finance, Retail Finance, Consumer Banking, Insurance 
Products - Credit Cards, Personal Loans, General and Life Insurance
Functional Areas - P&L management, Sales, Marketing, Distribution

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Patrick Graham