I’m a consumer finance executive with P&L accountability for all business activities in more than 450 branches employing a workforce of more than 1,800 spanning 15 contiguous central-western U.S. states. I held concurrent responsibility for temporary management and implementation of turnaround initiatives to drive profit gains for the Central-Western region. I’m currently tasked with developing an innovative and lean acquisition and growth strategy while maintaining credit and effective utilization of loss mitigation tools to exceed financial objectives.✰ Spearheaded performance initiatives resulting in monthly sales volumes of over 30K loans and $150M in new money.✰ Projecting 11% annualized growth on a $4.3B portfolio (personal loans and direct auto) in 15 states.✰ Top producing of four U.S. Areas in Direct Auto origination; lead the company with over 22K loans and $352M in volume, $107M in growth, for an annualized Direct Auto growth rate of 28% in 2018.✰ Projected to deliver an unlevered return of 12% for 350M with disciplined credit management and underwriting, while controlling losses, keeping team members engaged and motivated leveraging our branch-based incentive programs and team recognition strategies.

I held P&L responsibility for $1.6 billion in annual revenues to include 780 Sales team members across 196 full service branches – the largest receivable base in the company. I led the internal system conversion of 138 branches, championed a new Performance Management Scorecard program for all branches, successfully implemented a New Direct Auto product to 138 branch teams, and maintained 98% pass rate on field audits during tenure. I received above company average ratings on nine of 11 Key Employee Engagement Survey categories.✰ Top US Division (of 12 Division) Direct Auto sales (originated 15K loans for $125M in growth, 53% annualized) ✰ Achieved a 93% customer satisfaction rate.✰ Reduced 2017 attrition rates 15% from 2016 levels to 22% after implementing Engagement Action plans focused on team member development and Coaching Up Performance programs.✰ Achieved a 10.2% unlevered return while managing credit underwriting and losses below 7% and expenses under 8%.✰ Delivered 13% YoY growth by championing expansion across Auto production; increased average loan size and improved credit and non-credit insurance sales.✰ Led the team to $135M in net profit for an unlevered return of 11%.✰ Spearheaded YoY incremental growth in auto production from 18% to 52%.✰ Added an additional $18.5M net income after leading initiatives to improve credit insurance sales.

I provided end-to-end support for the COO during the divestiture to Springfield Financial Services and the transition to DBA One Main Holdings. I served in multiple leadership roles with multi- million-dollar P&L accountability. Championed lean operations, employee performance, and business growth. I held P&L accountability for $4B PL portfolio across 26 states within the west division. I managed sales, talent acquisition and retention, and performance for 510 full service branches with over 1,900 FTE’s. I also served as primary liaison for Spanish language interaction with the CFPB team for North America. Served as an Executive Mentor at Citi.✰ Delivered annual net profit of $209M with a 7% return during transition/divestiture.

I directed 58 branches, 8 districts, and 240 employees with a Personal Loan portfolio of 400M across north and central Texas. I served as direct report to the Executive Vice President and oversaw strategic planning and performance initiatives. I spearheaded financial and operational initiatives using key performance indicators, analytical data, and metrics to coach and mentor staff. I also launched a management development program and led the division in employee engagement scores averaging 84%.✰ Delivered income within the Top 5 net income of the company; $17.5M in PL growth, an increase of 4.5% YoY and over $6.5M profit, 18% YoY improvement.✰ Saved $100K after consolidating 11% of branches and deploying a test field operations strategy for a smaller branch footprint.

I held direct P&L responsibility for the management of the consumer finance unit with a network of 91 field offices, 980 employees, and a $600M portfolio & an additional $400M Real Estate portfolio during an expatriate assignment. I oversaw Field Operations, Full Service Branch Network, Private Label, Broker & Centralized Real Estate, Centralized Collections, and Recovery. I recapitalized and transformed the Puerto Rico stand-alone business from a non-compliant, inefficient, mono-lined operation to a fully integrated streamlined compliant consumer finance business from our Puerto Rico headquarters. I was accountable for multiple risk management and compliance initiatives, planning, budgeting, and forecasting, annual projections, KPMG audited financials from the management side, and due diligence efforts on the M&A business side. I was also awarded regulatory approval to operate a hybrid branch model.✰ Received the Senior Management Team 2010 Impact Award.✰ Championed a hybrid full-service branch model, Citi/Citi Plus and remote collection branches resulting in a larger footprint with less risk and improved asset recovery.✰ Led a multi-phased regulatory strategy to strengthened Compliance and Controls in all functional areas and the field network to receive US and Puerto Rico regulatory approvals by achieving a series of Satisfactory regulatory exams.

Championed hyper growth strategies in Mexico to increase receivable and account growth by driving sales and marketing. P&L responsibility for 125 full service branches in 6 Mexican states. Credito Familiar is the consumer finance branch based business delivering personal loans, sales finance, and portfolio servicing. Matrix reporting into Citi-US and Banamex-Mexico. 3 year-Expatriate assignment.