Oversaw multiple Regional branches; expanded existing sales staff and developed future sales leaders to increase market share. Established Leadership development for sales division. More Leaders promoted out of Division than any other area of company Increased market share using market savvy sales strategies and implementing revolutionary individual and team incentive plans that increased volume and efficiencies simultaneously.Full charge of operating budget throughout entire organization portfolio and related functions throughout US and Canada. Led company wide expense reduction committee, reducingexpenses in every business function at corporate level. Managed annual budget including vendor relationships. Created Fraud Recovery Department from ground up.Established vision, goals, policies, processes, and personnel for entire department.Implemented National Accounts strategy providing improved products, underwriting and marketing campaigns for high volume retail partners. Increasing volume and increasing market share Implemented corporate-wide strategic initiatives for sales, marketing, product placement, underwriting, customer service and portfolio performance across United States and Canada’s 16 operation centers.Protect company name/brand by working with Federal regulators. Developed organizational structure to efficiently meet customer needs, while achieving growth and revenue objectives.Lead marketing campaigns, sales and pricing for all product channels. Implemented innovative industry direct marketing programs that drove multi million dollar volume annually. Developed fee income from products.

Directed Vendor Intelligence and Controls Group whose mission is to maximize organizational efficiencies, identify opportunities for cost reduction, leverage the Firm’s buyingpower through accurate reporting and metrics development, provide Firm wide vendor governance and adherence to a standardized sourcing process.Managed the Global Performance Metrics & Reporting Group whose objective was to develop various executive management reports concentrating on: strategic vendor spend, deal activity, strategic resource management, offshore vendor activity, balance scorecard, tracking Key Performance Indicators, governance and contract compliance.Standardized enterprise-wide sourcing processes utilizing best practices and established degree of competition indices from project initiation to execution of contract.Established Technology Vendor Oversight Group whose mission is to better manage overall process of vendor selection, increase internal governance and reporting of lost opportunity savings when not in compliance.Determined lending policies, pricing, marketing and selling of loan and lease products for $25B portfolioControlled credit quality, assessed risks and complied with government lending regulations for all loans granted throughout US and Canada. Maintained Industry’s only Triple AAA credit rating.Led expense control committee for corporate reform across all business functions, reducingexpensesEstablished strategic planning, vision and execution for corporate goals and strategies. Set corporate vision for departments; built strategic alliances in all business functions by creating and sharing best practices.

Responsible for 60% United States credit risk purchase strategies and implementation.Created strategic partnerships with Divisional Vice Presidents to drive record volumes and whileexceeding corporate expectations for delinquency and loss control.Introduced Variable compensation to drive volumeCreated/implemented in-house contact management system generating strategic sales calls anddaily execution that increased volume 100%. Created market share analysis for all competitorswithin industry (1st time done in industry) to determine market share vs. competitors for allmetropolitan/rural areas within all states 50 states.Developed best practices formula for Top Regional Managers and Division Vice Presidents, thatled to highest amount of promotions from select group across country and future leader career pathfoundation.Decreased cost per contract, driving maximum value with high-volume revenuesand promoted increased efficiencies and market share. Created Incentive compensation plandriven from market analyticsCreated balanced expansion growth of all geographical areas within 50 states, increasingefficiencies and volume. Developed formula to redesign geographical areas intoequal/balanced territories to drive sales generation.4 recommendations available upon request

Led a team of tellersExceeded all Distinguished Level expectations for all Branch measured achievements. Including but not limited to Top Performances in Volume Generation, Delinquency and Loss Control, Credit Risk UnderwritingResponsible for area activities related to Sales, Marketing, Credit Risk Underwriting, Loan Fulfillment, Collections and Loss Control, Redemptions, Human Resources