Where risk, data, and capital intersect.

Executive-level advisory for consumer finance organizations navigating risk management, data governance, and capital strategy.

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30+ years navigating asset-backed and consumer finance markets across the US and Canada.

Focused Strategic Advisory

M2 Advisory Group was founded to provide specialized, executive-level advisory services to consumer finance organizations navigating increasing complexity in risk management, data governance, and capital strategy.

With more than 30 years of experience in asset-backed and consumer finance markets across the United States and Canada, we bring a structured, practical, and independent perspective to strategic risk transformation.

We do not offer generic consulting. We provide focused strategic advisory where risk, data, and capital intersect.

30+
Years in Consumer Finance
Debt & equity
Capital strategy
Governed data
Quality and traceability
Pillar 01 // Data Infrastructure

Data Governance & Innovation

Establishing validation controls, data lineage, automated ingestion, and AI-enabled analytics for institutional trust.

Data as an Institutional Balance Sheet Asset

Consumer finance organizations operate under unprecedented regulatory velocity. Data governance is no longer a back-office compliance routine; it is the fundamental cornerstone that drives investor confidence, portfolio rating accuracy, and secondary market liquidity.

Documented Lineage and Validation Controls Full auditable provenance from loan origination across core servicing to warehouse reporting.
Inquire on Data Governance
Governance

Enterprise Data Governance Frameworks

We establish governance structures, policies, and controls that ensure data integrity, regulatory compliance, and trusted information across the organization.

Pipelines

Modern Data Sourcing Architecture

Structured data sourcing frameworks consolidating data from multiple systems with lineage tracking, validation controls, and automated ingestion.

Intelligence

Executive Reporting Platforms

Standardized reporting environments transforming complex data into clear, reliable insights through governed dashboards.

AI & QA

AI Automation & QC/QA Validation

Predictive model monitoring, algorithmic explainability under CFPB standards, and automated quality assurance checks across data lakes.

Pillar 02 // Balance Sheet & Credit

Capital Strategies

Structuring senior and subordinated facilities, optimizing capital utilization, and building scalable operational trust.

Capital Stack Hierarchy

Strategic Tranche Structuring

Senior Bank Debt & Warehouse Facilities Tranche A // Senior

Optimized covenant thresholds, revolving warehouse lines, and institutional bank facility negotiation designed to lower cost of funds.

Junior & Subordinated Debt Tranche B // Mezzanine

Mezzanine capital structuring that absorbs unexpected losses, creates credit enhancement, and unlocks senior leverage flexibility.

Equity & Retained Risk Capital Tranche C // First-Loss

Strategic equity placement aligned with risk-weighted asset (RWA) targets and sustainable long-term enterprise valuation.

Dynamic Surveillance

Advanced Portfolio Analytics

Deep visibility into credit risk, capital utilization, delinquency trajectories, and underlying profitability drivers.

Enterprise Scale

Scalable Operational Infrastructure

Operational and data infrastructure designed for rapid scaling, institutional investor confidence, and compliance.

Pillar 03 // Fiduciary Leadership

Board Advisory

Independent guidance, ethical oversight, and strategic business acumen for fiduciary leadership.

Strategic Planning & Growth Oversight

Helping corporate boards set clear strategic direction, stress-test growth hypotheses, and evaluate market opportunities.

Governance & Regulatory Alignment

Ensuring ethical corporate governance, CFPB/prudential regulatory alignment, and fiduciary peace of mind.

Financial & Operational Insight

Leveraging 30+ years of institutional market acumen to assess balance sheet resilience, capital adequacy, and liquidity sustainability.

Innovation & Change Leadership

Supporting corporate leadership in adopting generative AI analytics, open banking architectures (Section 1033), and modern cloud infrastructure.

Executive Leadership

Decades of Strategic Capital & Analytic Leadership

Direct executive access to seasoned practitioners who navigate complex asset-backed risk and high-volume commercial logistics.

Sharon Mancero — President

Sharon Mancero

President & Managing Partner

Sharon brings over three decades of executive leadership in consumer finance, asset-backed securitization (ABS), and capital markets across the United States and Canada. She advises corporate boards and institutional lenders on risk governance, capital allocation, and debt restructuring.

Structured Capital ABS Facilities Board Governance Consumer Credit Risk Regulatory Alignment
515-229-1126
sharon@m2advisorygroup.com
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Carlos Mancero — Data Director

Carlos Mancero

Data Director — Strategic Analytics

Carlos specializes in high-dimensional data architecture, enterprise data governance, and automated validation frameworks. He architects robust ingestion pipelines and intelligence platforms that eliminate operational risk, ensure regulatory audibility, and power AI-driven credit analytics.

Data Architecture Lineage Tracking AI Model Governance Automated QC/QA Cloud Analytics
515-664-4825
carlosmancero@m2advisorygroup.com
LinkedIn Profile