Steven Gan was the founder and president of Advance & Associates Co., Ltd. in Tokyo from 1992 - 2004. Advance & Associates was the first company to create and implement the before and after sales total credit risk management product line system in Japan. This business model offered clients a full range of credit risk management products and services in order to provide “total credit risk management support”. Products included credit insurance, credit reports, on-line trade data verification, accounts receivable financing, invoice & payment processing, pre-collection calling, debt purchasing, and securitization.

Through numerous articles, publications, presentations, and television appearances, Steven Gan greatly deepened the awareness and understanding of the importance of sound credit risk management throughout Japan.

Steven Gan wrote the book titled, "The Blue Eyed Debt Collector, His Struggle" (Japanese only) published by the number two publisher in Japan, Shogakkan, which sold over 20,000 copies.

Steven Gan is a native of Chicago, Illinois and graduated from the University of Illinois with a BS in Electrical Engineering and graduated from the Thunderbird – Garvin Graduate School with a Masters of International Management. Mr. Gan is also a Certified Public Accountant and a Certified Credit Executive.