Chris Mitcham served as the SVP of Servicing at Security National Automobile Acceptance Company "SNAAC", a Fortress Investment company. In this role he oversaw all loan servicing, portfolio reporting, loss mitigation, recovery, and remarketing operations.

As SVP of Servicing & Analytics at Pelican Auto Finance, a FlexPoint Ford company, my primary duties included managing all Loan Servicing responsibilities, operational strategies, and P&L performance for the San Diego based operations center.

As Director of Business Development for Credigy Solutions, my sourcing concentration was on whole loan acquisitions and providing specialty finance solutions to the consumer finance industries across the country. These activities facilitated the continued development of my national network in the Consumer Lending and Capital Markets space.In this role I was responsible for or involved in closing and investing over 2 Billion dollars. This included full sale life-cycle involvement from sourcing, valuation, contract negotiation, due diligence, closing, and post-closing relationship management. I established and maintained strong relationships with all internal departments. I also served as the relationship manager for our lending relationship with a domestic automotive OEM finance company.

Mobile Channel Risk leadFraud prevention SME for Mobile Check to Prepaid product launch Helped develop and deploy new rules engineMaintain and enhance risk models Developed risk dashboards and reportingProject manager for new Data Warehouse and Report Writer implementationPrimary supplier contact (i.e. First Data/TeleCheck, Clarity Services, Lexis Nexis, and many more)Ingo – The Good Funds NetworkTM is also the first mobile remote deposit network for prepaid that gives consumers access to money in minutes from any type of check from a mobile phone. Consumers can now download a mobile application, enroll with Ingo, load their eligible cards into the wallet, and push any approved check to their cards in days for free or in minutes for a fee.One minute it’s a check. A few minutes later it can be Good Funds on your prepaid card.- See more at: http://www.ingomoney.com

Product Responsibilities- Administer the cashing of Billions of dollars of checks each year in Walmart stores- Forecast, budget, and manage multi-million dollars in annual sales / largest business in Walmart Financial Services- Grew the check cashing business through positive pay partners and strategic growth initiatives- Collaborate with supplier partners to ensure we are taking cost of the transaction down- Partner with Licensing, Compliance, and Public Affairs to grow the business safelyRisk Responsibilities- Worked daily with statisticians to apply risk models that would stop loss and facilitate sales- Develop and implement strategic initiatives to reduce fraud loss while enabling top line growth. - Assure that risk mitigation strategies are intertwined with all Cash Services products. - Coordinate with Operation teams to develop robust training materials and activities in a scalable form. - Provide reporting and analytics to Asset Protection teams to efficiently target fraudulent activities. - Assure maximum recovery on financial loss.Achievements- Launched an expanded product assortment adding millions in incremental sales the first year - Covered by WSJ, Business Week, Reuters, MSN Money, msnbc, and many others- Developed the Risk Management department for a multi-million dollar product- Created monthly Loss reporting used by Senior leadership across the Walmart chain and at the home office- Decreased fraud loss by 15% in my first year- Revised and Re-launched a chain wide fraud prevention tool used by AP and Front End Management- Provided Risk Assessments for all new product lines and process changes- Developed risk modeling decision process- Created scalable and sustainable field training used to reduce risk- Lead multiple projects through all phases from business requirements to implementation- Increased recovery revenue by 2% in my first year

Responsible for all servicing functions and analytical reporting. Enhanced all servicing procedures and vendor management Acquired and serviced loans for a national bank Designed all reporting for our servicing clients Created the Risk/Remarketing department which was responsible for all asset disposition and liquidation

Responsible for the Operational activities of a regional indirect finance company. Credit Risk Loan Originations New Business Development Risk Mitigation Asset Sales

Managed all Operational services for the finance company from business development, credit, loan originations, private securitizations, risk mitigation, collections, and asset sales. Launched its business growth and development to achieve its current market position throughout the Southeast.

Responsible for a team of consumer credit underwriters purchasing automotive retail installment contracts. Relationship Manager for 200+ small business throughout the southeast. Created and implemented credit guidelines and loan origination models.