Leadership Team

Brett Beebe

W. Brett Beebe
President and Chief Operating Officer

Mr Beebe is Co-founder, President and Chief Operating Officer. He has over 17 years of auto finance experience. He was a Founder President of JBC Funding LLC from 2010 to 2012. Prior to JBC Funding LLC, he held multiple management positions at AmeriCredit Corp. including Vice President of National Accounts, Vice President of Structured Finance and Vice President of Strategic Alliances. He currently serves on the board of Urban Green, the Fort Worth Country Day Annual Fund, and as an advisor to the Recovery Resource Council. Mr. Beebe has a bachelor’s degree in Speech Communication from Texas Christian University.


Tony Fratiani
Chief Technology Officer

Tony Fratiani has over 25 years of experience in software development with a focus on web development. Mr. Fratiani previously held the positions of Vice President of Technology and Director of Technology at Match.com. Prior to working at Match.com Mr. Fratiani held the position of Lead Engineer at Anderson Consulting. Mr. Fratiani holds a BS in Computer Science from Angelo State University.


Tony Fratiani
Christopher Mahanna

Christopher Mahanna
Director of Technology

Christopher Mahanna has over 14 years of experience with loan originations systems and applications design, development and support in the automobile finance industry. Mr. Mahanna has held management positions as Director of Technology for EFG Companies and Technology Manager for Exeter Finance Corp. Prior to working at Exeter Finance Corp. Mr. Mahanna worked for Provenir as a platform architect designing workflow enabled systems for AmeriCredit in various capacities within Risk Management and IT as a report developer/designer and origination system developer/architect.


Jeremy D. Jones
Chief Credit Officer

Mr. Jones has over 16 years of analytical experience primarily focused on developing scorecards and strategies to reduce credit losses. Prior to Sierra, Mr. Jones held risk management positions at JPMorgan Chase, Triad Auto Finance, and AmeriCredit. Mr. Jones holds a BBA in Management Information Systems from Texas Tech University and is pursuing a MS in Predictive Analytics from Northwestern University.


Jeremy D. Jones
Tom Davidson

Tom Davidson
Chief Financial Officer

Mr. Davidson joined Sierra in 2017, bringing over 24 years of experience in capital markets, securitizations and accounting. Prior to joining Sierra, Mr. Davidson held several roles of increasing responsibility over a 16 year period with GE Capital, including Senior Managing Director & Global Head of Securitization; Managing Director & Capital Markets Leader of the North America Leasing division; and Senior Vice President of Securitization. Prior to joining GE Capital in 2000, Mr. Davidson was a Vice President with Donaldson Lufkin & Jenrette where he led the contract finance and securitization functions for the private label CMO group. Prior to DLJ, Mr. Davidson was a Senior Accountant at Arthur Andersen in the financial markets audit practice. Mr. Davidson holds a MBA in Finance & Accounting from New York University and a BA from Williams College.


Brian Mock
Director of Consumer Services

Mr. Mock joined Sierra in 2017 bringing over 31 years of Consumer Finance experience. Mr. Mock retired from GM Financial / AmeriCredit Financial Services and spent 2001-2012 as Executive Vice President of Consumer Services. Reporting to the Chief Executive Office/President, responsibilities included the immediate and long-term strategic development and overall administration and operations of GMF/ACF five (5) regional operations and collection centers. Responsible for all collection activities and servicing operations, strategies, processes, policies, procedures and training throughout the U.S and Canada. Prior to joining GM Financial / AmeriCredit Financial Services Mr. Mock was with Ford Motor Credit Co from 1987-2001 in a variety of senior level positions throughout the U.S. His last assignment was Director of the Baltimore Service Center. Mr. Mock holds a Bachelor of Business Administration degree from the University of North Texas.


Brian Mock
Scott Pryal

Scott Pryal
Chief Risk Officer

Scott Pryal is the Chief Risk Officer, joining Sierra Auto Finance in May 2017. He brings more than 15 years of experience in the subprime auto finance industry. He has spent his career working in all areas of risk management - originations, servicing, policy, loss forecasting and scorecards. Most recently, he was the Chief Risk Officer at Dealer Funding. Prior to Dealer Funding, Mr. Pryal held various management roles at Exeter Finance Corp and AmeriCredit. He holds a BBA and MBA in Finance from the University of North Texas.