Equitable Finance
The Appleton Greene Corporate Training Program (CTP) for Equitable Finance is provided by Ms. Thobias Certified Learning Provider (CLP). Program Specifications: Monthly cost USD$2,500.00; Monthly Workshops 6 hours; Monthly Support 4 hours; Program Duration 12 months; Program orders subject to ongoing availability.
Personal Profile
Ms. Thobias, an approved Certified Learning Provider (CLP) at Appleton Greene, is a financial expert and business strategist renowned for her extensive experience in the financial, technology, and agtech sectors. Widely respected as a thought leader in financial and social impact enterprises, Ms. Thobias has been at the forefront of critical innovation in highly competitive markets.
As a sought-after consultant and strategist for numerous market-disrupting institutions that aim to democratize access to financial resources, Ms. Thobias has successfully spearheaded multiple capital raises, financial product launches, deal structurings, fintech launches, and go-to-market strategies. Her expertise extends to serving as an interim Chief Credit Officer for multinational operations. Throughout her career, she has demonstrated a remarkable ability to transform complex organizations amidst dynamic and uncertain market conditions, earning the trust and support of employees, customers, vendors, owners, corporate leadership, investors, and external partners.
At both the personal and team level, Ms. Thobias excels as an engaged leader. She fearlessly challenges the status quo, embedding inclusive practices within solution design and fostering effective senior teams and investors. Additionally, she is highly engaged within her industry, often taking on leadership roles and acting as a mentor to others.
Beyond her impressive professional achievements, Ms. Thobias contributes her expertise as an active Advisory Board member with Kiva, a micro-lending platform focused on increasing financial access to underserved communities. She also holds a position on the Advisory Board of Village Micro Fund, a financial organization dedicated to empowering entrepreneurs with access to business capital. As the founder and CEO of a research and technology company known for catalyzing entrepreneurial innovation across various sectors, Ms. Thobias has fostered strategic partnerships with esteemed organizations like Amazon, MasterCard, New Voices Fund, and Podia.
Ms. Thobias’s notable role as the Chief Credit Officer of Hello Tractor, Inc., involved engineering an innovative tractor financing solution targeting traditionally underbanked populations in Sub-Saharan Africa. Through her efforts, she secured over $10 million in commercial financing to launch smallholder farming tractor pilot programs in Kenya, Nigeria, and Uganda. Ms. Thobias managed cross-functional project management for innovation, overseeing user experience, mobile application development, and client relationship management. She also implemented credit policies, transaction scoring models, and process automation for optimal efficiency. Her leadership yielded exceptional portfolio quality, with an impressive annual repayment rate exceeding 100% and a 0% NPL. She further strengthened symbiotic relationships with key stakeholders such as USAID, World Food Program, and John Deere.
Prior to this, Ms. Thobias worked at Bank of America in Global Corporate & Investment Banking, where she managed a diverse portfolio of emerging markets middle-market and large corporate technology clients. Her responsibilities included structuring, underwriting, and documentation of credit facilities, managing a substantial $19 billion of term and intraday credit exposure across various financial instruments. She showcased her exceptional training skills as the Instructor for Bank of America’s Wholesale Credit Analyst Training Program, educating credit analysts worldwide on the fundamentals of underwriting, financial analysis, bank product offerings, and regulatory compliance.
In addition to her professional achievements, Ms. Thobias is a community leader and mentor to early-stage entrepreneurs. She has led educational trips to South Africa and Costa Rica, offering valuable insights on international expansion strategies and social good. Ms. Thobias serves as a management consultant to The Literacy Lab, where she contributes to increasing literacy rates for underresourced youth across the United States through sustainable and relevant approaches in an ever-evolving technological landscape. She is also a sought-after speaker at esteemed colleges and universities such as the University of South Carolina, Dartmouth, and Wharton Business School, inspiring young adults with her wisdom on the importance of entrepreneurship for continued innovation and inclusion.
Ms. Thobias holds a Bachelor’s degree in Corporate Finance from the University of South Carolina.
To request further information about Ms Thobias through Appleton Greene, please Click Here.
(CLP) Programs
Appleton Greene corporate training programs are all process-driven. They are used as vehicles to implement tangible business processes within clients’ organizations, together with training, support and facilitation during the use of these processes. Corporate training programs are therefore implemented over a sustainable period of time, that is to say, between 1 year (incorporating 12 monthly workshops), and 4 years (incorporating 48 monthly workshops). Your program information guide will specify how long each program takes to complete. Each monthly workshop takes 6 hours to implement and can be undertaken either on the client’s premises, an Appleton Greene serviced office, or online via the internet. This enables clients to implement each part of their business process, before moving onto the next stage of the program and enables employees to plan their study time around their current work commitments. The result is far greater program benefit, over a more sustainable period of time and a significantly improved return on investment.
Appleton Greene uses standard and bespoke corporate training programs as vessels to transfer business process improvement knowledge into the heart of our clients’ organizations. Each individual program focuses upon the implementation of a specific business process, which enables clients to easily quantify their return on investment. There are hundreds of established Appleton Greene corporate training products now available to clients within customer services, e-business, finance, globalization, human resources, information technology, legal, management, marketing and production. It does not matter whether a client’s employees are located within one office, or an unlimited number of international offices, we can still bring them together to learn and implement specific business processes collectively. Our approach to global localization enables us to provide clients with a truly international service with that all important personal touch. Appleton Greene corporate training programs can be provided virtually or locally and they are all unique in that they individually focus upon a specific business function. All (CLP) programs are implemented over a sustainable period of time, usually between 1-4 years, incorporating 12-48 monthly workshops and professional support is consistently provided during this time by qualified learning providers and where appropriate, by Accredited Consultants.
Executive summary
Equitable Finance
Financial institutions face a complex landscape defined by slow growth in saturated markets and the rising influence of socially-conscious Millennials and Gen Z consumers. These forces demand a fundamental rethinking of financial service design and delivery. The Equitable Finance corporate training program offers a transformative framework, addressing the key pain points that hinder institutions from capitalizing on underserved markets and aligning with the values of a growing, impact-driven consumer base.
A new wave of financial incumbents is rapidly disrupting the landscape. Fintech solutions are democratizing access to capital, outpacing the traditional banking model. These agile players streamline credit decisions, bypassing the cumbersome paperwork and bureaucracy that once defined the industry. Money movement solutions now operate with unprecedented speed, enabling consumers to transfer funds within seconds using just a mobile phone. This ease of use diminishes the traditional role of banks. Furthermore, tech-powered platforms have revolutionized crowdsourcing capital, making it simpler for individuals and businesses to secure funding. Financial institutions must urgently adopt similar levels of agility and user-centric design to avoid losing significant market share to these innovators. This base of consumers who demand convenience and speed will only continue to grow.
Is your institution struggling with missed growth opportunities in untapped markets? You’re not alone. But continuing down the same path will only lead to further stagnation. Disruptors in the financial sector are outpacing traditional solutions with user-friendly products an experience that resonate wit the underserved. The Equitable Finance corporate training program will help you design hyper-localized financial products that cater to the specific needs of communities and populations typically excluded from traditional banking. Imagine the possibilities when you truly understand and serve these overlooked markets. It’s not about keeping up – it’s about getting ahead.
Perhaps your organization has been attempting to serve underbanked populations, but are finding your risk management approaches to be ineffective. You’re realizing that traditional credit models simply don’t work for everyone, leaving you frustrated and missing out on potential revenue. Together, we will explore how your company can leverage alternative credit scoring models, social capital metrics, and AI-driven insights for enhanced risk assessment and portfolio health. You’ll unlock the potential of these communities while protecting your institution’s financial stability.
Speed and agility matter in the current landscape, as offering to a new market is not a complete solve. If your organization’s pipelining, screening, and underwriting processes are outdated and slow, that is a hindrance in today’s competitive landscape. Bureaucratic approval procedures and reliance on legacy systems hinder agility and innovation. It’s costing you time, money, and the chance to capture new customers. The Equitable Finance corporate training program will help your