Fabien Adam
Toronto,ON
Summary
Results-oriented Financial Services and Business Development professional with expertise in automotive strategy and Dealer/OEM relationship management. Transforms complex challenges into business opportunities while securing executive support. Drives sales through product development and risk-based strategies, achieving positive ROI. Builds strong networks and enhances branding initiatives.
Overview
22
22
years of professional experience
Work History
Financial Industry Consultant
Self Employed
Toronto, Ontario
02.2024 - Current
- Advised small business clients on mortgage and automotive industry trends, enabling informed financial decisions.
- Conducted market research, delivering insights that influenced strategic annual financing plans.
- Analyzed company data to generate actionable insights for business acquisition and account management strategies.
- Developed reports on cash positions, informing financial planning initiatives.
- Facilitated workshops to enhance client understanding of industry challenges and financial solutions.
- Collaborated with departments to facilitate efficient workflow processes.
- Monitored compliance with internal controls and financial regulations consistently.
Sr. Director Emerging Affluent Clients | Strategy
CIBC
Toronto, ON
01.2022 - 02.2024
- Secured executive buy-in for strategic initiatives that enhanced client experience and franchised emerging affluent clients
- Collaborated with stakeholders across product and risk departments to create innovative digital acquisition strategies
- Launched CIBC SMART Planner, an online banking tool designed to set and track financial goals
- Introduced a digital carbon footprint tracker with Doconomy to promote sustainable decision-making.
- Developed long-term objectives with executive leadership teams to drive organizational success
Sr. Director Transformation| Auto & PersonaLending
CIBC
Toronto, ON
01.2020 - 01.2022
- Drove creation and execution of Personal & Automotive Lending Transformation strategy, prioritizing key investments for platform evolution.
- Managed personal lending bank systems discovery analysis, implementing 12 of 26 critical system enhancement recommendations to improve system performance.
- Authored technology project requirements aligned with business case objectives and budget constraints to ensure project feasibility.
- Oversaw CIBC Equifax to TransUnion credit bureau conversion project, ensuring seamless integration with existing origination and account management processes.
- Collaborated with Risk teams to redesign lending and automotive scorecards, enhancing origination volumes and client experience.
Director Auto Finance | Automotive Lending
CIBC
Toronto, ON
01.2020 - 01.2022
- Led CIBC's automotive lending group to drive growth and margins in indirect retail loans within risk appetite.
- Increased market share through enhanced dealer engagement and innovative digital marketplace partnerships.
- Oversaw pricing team, establishing program parameters to enhance market position and profitability.
- Enhanced risk-based portfolio management tools to optimize decision rates and improve risk management.
- Developed annual business forecasts to evaluate financial benefits and operational costs for targeted market share growth.
- Introduced a new sales coverage model and marketing strategy to enhance BDM efficiency and market share.
- Collaborated with large dealer groups and finance managers nationwide to identify business needs and develop competitive sales programs.
- Created programs targeting students and newcomers to fill service gaps effectively.
- Oversaw compliance with regulatory requirements and industry standards in operations
- Conducted quarterly meetings with executives to review progress on strategic initiatives and portfolio health
Director Unsecured Lending | Personal Lending
CIBC
Toronto, ON
01.2013 - 01.2017
- Identified the market opportunity and created the business case that secured the executive buy-in required for the launch of CIBC Auto Finance as a new, indirect line of business.
- In partnership with Borrowell, a Canadian fintech company, launched the first real-time online personal loan adjudication platform with instant online funding.
- Expanded service in 2017 to introduce industry-first Free Credit Score, enhancing client engagement and financial awareness.
- Collaborated with internal stakeholders and industry partners to launch a new line of business within six months.
- Led cross-functional teams to drive long-term revenue growth across Retail Banking, Auto Lending, and Commercial Banking partner programs, strengthening overall business performance.
- Developed the first fully integrated online automotive loan application for dealers, allowing clients to receive instant pre-approval for CIBC loans directly from the dealership's website.
- Leveraged Equifax and TransUnion services to incorporate predictive modeling, segmentation, behavioral profiles, and consumer insights for targeted balance transfer, and acquisition campaigns.
Group Product Manager| Personal Lending
CIBC
Toronto, ON
01.2013 - 01.2017
- Launched CIBC Retail Lending Solutions portal, enabling online financing for home improvement retailer clients, enhancing client access and service delivery.
- Restructured unsecured lending to client-needs-based model, implementing acquisition and account management strategies through omni-channel tactics, improving customer engagement.
- Optimized unsecured loan spreads with customer-centric pricing strategy using NOMIS Solutions, aligning pricing with market demand.
- Developed new unsecured lending programs such as Partner Capital Loans and Student Professional Edge to support CIBC Commercial Banking and Wood Gundy.
- Leveraged predictive modeling and segmentation insights to assess market impacts, including competitor actions and consumer behavior.
Sr. Product manager| Consumer Lending
HSBC Finance
Toronto, Ontario
01.2004 - 01.2007
- Established real-time trigger leads program with Equifax, enabling frontline staff to respond promptly to client credit inquiries.
- Utilized leads for client retention strategies and account management, including cross-selling and limit increases.
- Developed monthly marketing tactics for pre-approved lead acquisition, enhancing account management for secured and unsecured lending.
- Contributed to creation of new indirect strategic sales telephone banking department targeting near-prime clients.
- Executed post-acquisition rebranding of Household Financial Corporation marketing and client campaigns to HSBC Finance, aligning brand messaging with new corporate identity.
Education
B.A. - Bachelor of Arts
University of OTTAWA
Ottawa, ON01.1998
O.S.S.D -
De La Salle College
Toronto, ON01.1994
Skills
Financial and automotive expertise
Executive presentation skills
Professional relationship building
ROI growth strategy development
Data-driven decision making
Go-to-market entry sales planning
Stakeholder collaboration
Digital lending transformation
Credit risk modeling
Automotive pricing strategies
Regulatory compliance knowledge - AML and Basel III
Account management and collection strategies
Presentation design and layout
Websites
Hobbies and Interests
- Actively involved in various sponsored charitable initiatives, including CIBC Run for the Cure, and The United Way Climb-Up.
- Volunteered in CIBC's mentor program and served as co-chair of the CIBC Mortgages and Lending Achievers and ESAT committees.
- Volunteer coach for my children’s sporting teams
Languages
French
Native/ Bilingual
English
Native/ Bilingual
Timeline
Financial Industry Consultant
Self Employed
02.2024 - Current
Sr. Director Emerging Affluent Clients | Strategy
CIBC
01.2022 - 02.2024
Sr. Director Transformation| Auto & PersonaLending
CIBC
01.2020 - 01.2022
Director Auto Finance | Automotive Lending
CIBC
01.2020 - 01.2022
Director Unsecured Lending | Personal Lending
CIBC
01.2013 - 01.2017
Group Product Manager| Personal Lending
CIBC
01.2013 - 01.2017
Sr. Product manager| Consumer Lending
HSBC Finance
01.2004 - 01.2007
B.A. - Bachelor of Arts
University of OTTAWA
O.S.S.D -
De La Salle College