RL Prasad has served as Santander Consumer USA’s Chief Risk Officer since 2021. Prior to being named Chief Risk Officer for Santander Consumer, Mr. Prasad served as SC’s Deputy Chief Risk Officer. Before joining Santander Consumer, he served as Head of Global Payments Risk and Global Head of Risk Services for Visa Inc. In his 20+ years career Mr. Prasad has also held senior enterprise leadership roles in credit and risk at Standard Chartered Bank and Citigroup. He earned his MBA at Bharathidasan Institute of Management, Trichy, and earned a bachelor’s degree in commerce and economics from Madras University.