Hired to restructure existing company by creating standard operating procedures that adhere to regulatory compliance and bolster profitability. Revamp departments to maximize efficiency throughout organization. Build leadership training modules to ensure all employees are trained and able to implement standards and expectations.KEY COMPETENCIES: CHANGE MANAGEMENT, LEAN OPERATIONS, GOALS, COLLECTIONS, RISK MANAGEMENT, THOUGHT LEADERSHIPRestructured company to increase profitability with 28% portfolio growth and lower delinquency● Designed restructure plan for company to reach maximum efficiency● Recruited, hired, and trained essential employees, focusing on KPI expectations● Executed plan along with Leadership training to provide continuityKEY COMPETENCIES: COMPLIANCE, VENDOR RELATIONS, DAY-TO-DAY OPERATIONS, SYSTEM MIGRATION, PROJECT MANAGEMENTIncreased federal compliance and provided effective and efficient services● Evaluated current operating, telephony, and ancillary systems● Leveraged vendor relationship to source new systems● Collaborated with process engineers for transition by coordinating with training, QA, cross-cultural departmentsKEY COMPETENCIES: COMPLIANCE, OPERATING PROCEDURES, EFFICIENCY, CRITICAL THINKINGExceeded cash, delinquency, and charge off goals by 3.5%, 1.5%, 0.50% (respectively)each month● Reviewed current outstanding accounts and ODWO to understand pain points● Created operating procedures and KPIs● Monitored both to ensure efficiency and Federal/State Compliance

Recruited to build strength that would support merger or acquisition. Updated SOPs and migrated telephony and operating systems to cloud. Created leadership curriculum. Implemented standards and expectations, and enhanced reporting analytics with new reporting and KPIs.KEY COMPETENCIES: THOUGHT LEADERSHIP, UNDERWRITING, PROCESS DESIGN, REVENUE GROWTH, INDUSTRY KNOWLEDGEImproved Cash Reserves Ratio from mid-70’s to 85% ● Evaluated and changed current underwriting and collections processes● Implemented new structure, guidelines, and standards for lending and delinquency recovery● Grew lending portfolio with updated guidelines in placeKEY COMPETENCIES: STRATEGIC DIRECTION, MERGERS, CHANGE LEADERSHIP, PROJECT PLANNING, PASSIONLed merger between Pivot Rock Solutions and MPH2 Funding● Performed detailed analysis of both entities including staff, leadership, procedures, and finance● Deployed staff to ensure strategic direction could be executed● Transformed current SOPs towards efficiency and profitabilityKEY COMPETENCIES: TECHNICAL KNOWLEDGE, EVALUATION, ANALYTICAL THOUGHT LEADERSHIP, COMMUNICATION, VENDOR MANAGEMENTInitiated robust analytics with accurate reporting and implementation● Contacted current vendors to establish new parameters● Vetted product through presentations, testing, and off-site evaluations of active usage● Collaborated with IT systems engineers to implement new analytics software

Chaired Operational Strategy and Performance committee, co-chaired creation of LCS Capital, and established LCS Financial Automotive Servicing Process. Designed and updated company reporting and analytics. Updated Policies and Procedures including incentives, production standards, utilization of operating system and dialer, campaign, and letter strategies. Initiated Champion Challenger competitions.KEY COMPETENCIES: P&L ACCOUNTABILITY, C-LEVEL COLLABORATIONS, DECISION-MAKING, SOP CREATIONIncreased portfolio liquidation by 33% to alleviate tenuous position● Partnered with CFO to spearhead restructure of finances● Delineated decision-making hierarchy for efficiency● Streamlined processes across departments● Acquired new business to stimulate growthKEY COMPETENCIES: ANALYTICS, VENDOR MANAGEMENT, DATA ANALYSIS SOFTWARE, RECRUITING, STRATEGIC DIRECTIONImplemented robust, improved analytics to provide strategic direction● Evaluated numerous data analytics software programs● Hired data analysis staff to integrate new software● Shared vision, trained, and solicited constant feedback and evaluations from testingKEY COMPETENCIES: DOCUMENTATION, BUSINESS DEVELOPMENT, PRESENTATIONS, ANALYTICS, COMMUNICATION, PERSEVERANCESecured $35M Warehouse lending line● Established contact with and met with capital investment companies● Reviewed and analyzed fiscal reports● Created pro forma documents based on historic and industry performance● Disbursed funds