1. Get oriented at Ford Credit. Its automotive portfolio of $134 billion is more than five times the size of Finance One.
2. Get plugged in. In previous jobs, Winkler encouraged bottom-up and top-down commun ication. He had voice-mail and e-mail suggestion boxes, called the 'Winkline,' and sent campy postcards to all employees featuring fake photos of Winkler with Thomas Edison. The serious point: Get people to experiment and innovate.
3. Maintain earnings. Ford Credit is already ahead of its publicly stated goal of 10 percent earnings growth in 1999, up 12 percent to $952 million after nine months.