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American Financial Services Association

Joy Gaffud

Joy Gaffud

Women's Leadership Council

Joy Gaffud

Senior Vice President
Auto Finance Credit Administration Mgr

University of the Philippines - Business Economics
University of Notre Dame - MBA, Finance
Lives in Cincinnati, Ohio
Husband - Suhas (Engineer)
Son - Siddharth

My Areas of Expertise:
Commercial Lending, Credit, Automotive Finance

Areas of expertise upon which I would like to continue learning:
Compliance, regulatory matters

What three keywords best describe you?
Hard-working, honest, an eternal optimist

Personal Motto:
Strive for kindness.

What are you passionate about?
Putting in a day of hard work; put in more than what the company gave you.

What is something interesting about you that members might not know?
I love to run and find it a meditative and mental strengthening activity - I am a slow runner but I found it to be the activity that taught me to conquer most of the "I cannot possibly do this anymore" situations.

Who has been a role model for you?
My Dad - all through my life, in everything he did, he showed me to always work hard and not leave anything behind.

What are you most proud of?
Being both an engaged mom and a passionate manager

a. What would you say are the key success factors for a mentoring relationship?
Sincere desire to help; Active listening; Clean intentions

b. What advice would you give yourself as a young executive?
Do not forget to work on the other aspects of well-being - be physically, mentally, and spiritually fit.

c. What do you know now that you wish you knew when you started your career?
Start a family early.

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