Director of Business Development is responsible for overseeing and directing the sales across the nation. In this role, Joe is partnering with retail store owners, developing and implementing sales plans, and achieving revenue targets. The Director of Business Development plays a crucial role in driving the company's growth and success.

A lease-to-own company that provides flexible payment programs for a wide array of online and brick-and-mortar retailers. As an alternative to credit cards and conventional lenders, Acima offers eligible customers flexible payment plans and leasing options, essentially acting as a wholesaler for the merchant and assuming the debt. In this role, Joe assists the company’s seven VPs with the training and development of their sales teams, as well as other area sales managers, while also serving as part of the field force. He is responsible for the enrollment of new retail business locations and the accompanying training and implementation of proprietary Acima programs to facilitate lease sales. Joe understands that traditional credit financing can be a tough world to navigate, especially in COVID-19 times. For the merchant, a no credit needed option can unearth new opportunities for revenue growth and create competitive advantage to other merchants who only offer traditional programs. For the customer, the program enables the purchase of goods for customers with credit issues.BENEFITS OF IMPLEMENTATIONIn today’s economy, consumers are finding it increasingly difficult to qualify for financing for their in-store purchases. As traditional credit scores fluctuate, lending standards continue to tighten. Acima deploys state-of-the-art technology and alternative data sources to assist retailers in streamlining the application process to generate more credit approvals and increase sales. Through this vehicle, which includes promotion on the Acima website, a strong eCommerce component, and a mobile app, a typical brick-and-mortar establishment can boost top-line revenue by 5-10% (about $60K), digitally generate new leads, and acquire more repeat business.

After being hired as area sales manager, Joe quickly established himself as a go-to resource for other ASMs, an internal leader, and, through his strategic use of social media, a brand ambassador for Acima. To support his online engagement, and heighten Acima’s visibility within the professional community, he adopted the byname of Joe the Finance Guy, the affable and knowledgeable problem solver.CONNECT WITH JOEJoe is a believer in purpose-driven networking. He is interested in connecting with growth-minded businesspeople who share his commitment to excellence in service and core values of integrity, honesty, and family. Chief among the classes of professionals with whom he would like to engage are business owners, C-level executives, EVP & SVP of sales, and directors of operations.Joe can be reached directly via LinkedIn, by email at joseph.stepke@gmail.com, or by phone at 615-775-1597. To learn more, please visit https://joethefinanceguy.com/.

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» Managed team of 9 Sales Managers, Field Collections Team, and helped mentor and develop over 10 other District Managers through out the Region. » Drafted business plans and semi-annual business reviews» Responsible for P&L of the locations, reviewed operating reports for future improvement to store operations. Reviewed and approved A/R - billing and A/P expenses » Trained new District Managers within the Region on store procedures, policies, and daily duties » Trained all staff to deliver outstanding customer service» Mentored, coached and trained over 100 team members within the RegionAccomplishments:★ Increased customer count by 53% from 1158 customers to 1768 from 2014 to 2015★ Developed and promoted 5 SM’s to multi unit roles within the past 15 months★ Consistently in the Top 10 of Credit within Division Month over Month in 2014★ Improved Credit, Sales, and People in 2 bottom performing Districts within a 6 month timeframe★ Recognized as a potential Regional Director within the first 6 months of employment by developing leaders within the Indianapolis Region

» Managed team of 13 General managers and 3 Regional managers » Drafted business plans, budgets and quarterly and semi-annual business reviews» Opened 7 new store locations and assisted in recruiting and training new staff » Responsible for P&L of the all stores, reviewed operating reports for future improvement to store operations. Reviewed and approved A/R - billing and A/P expenses » Trained all new managers on store procedures and policies » Trained all staff to deliver outstanding customer service» Mentored, coached and trained over 90 team membersAccomplishments:★ Increased same store sales year over year by 22%- $5,572,453 in 2013 ★ Raised customer count from 595 psa to over 800 psa by 2013 ★ Increased Profit by 10.3% - $576,656 against same store sales

Same duties as outlined above, including;» Managed team of 10 General managers » Recruited for various positions across multiple sites in Tennessee and Virginia » Mentored, coached and trained over 50 team members Accomplishments:★ Most profitable Region for Rosey Rentals, 2nd largest franchise within Aaron’s ★ Raised customer count from 500 psa to over 825 psa by 2008 ★ Received Regional Manager of the Year for 2 consecutive years (2007 & 2008)

» Managed team of 6 associates and developed future Store manager in Charleston Region » Developed and executed sales programs to increase profits in the store» Trained and motivated coworkers to effectively market the rent-to-own transaction to customers» Responsible for P&L of the store, reviewed operating reports for future improvement to store operations. » Tracked the success of programs by monitoring weekly, monthly and quarterly performanceAccomplishments:★ Developed my replacement to take over the #9 store in the company out of over 1100 other stores

» Lead, managed, trained, and motivated a team of first party collection professionals» Directed the Loan origination process» Managed delinquent accounts, with a delinquency rate of under 3.9% month after month» Analyzed charge-off , delinquency, approval and collection reports that drove results » Provided excellent customer service » Assisted the General Manager / Owner with overall branch operationsAccomplishments:★ Increased portfolio from $500,000 to over $6.5 million with a delinquency rate of under 3.9%

» Conducted plain clothed external theft apprehension and deterrent» Investigated incidents of internal theft to resolution through fact –finding interviews, installing covert cameras, reviewing media, and partnering with store personnel.» Lead loss prevention meetings and educational programs for staff» Travelled to audit other stores in the district» Detected areas of need, uncovered fraud, company violations, and accessed the effectiveness of store operational controls

Same duties as outlined above, including;» Assisted with protecting company assets through activities and preparation in safety » Recovered losses with inventory, time, and other assets » Monitored surveillance equipment

Same duties as outlined above

» Worked closely with guests and client to understand event goals, objectives and specific implementation plans that promote fun and thrilling parties and events.» Acquired supporting technology and coordinated development of materials to execute quality events» Overseen guest service needs in regards to catering food and entertainment.» Maintained a calendar of events and implemented a system that enables and anticipates long term planning and effective party and event management » Identified and developed group event leads through in person, phone, networking and prospecting » Conducted and managed sales appointments and calls with prospective party or event leads» Developed and implemented post-event follow up and referral process» Worked with managers, the kitchen team and party hosts to troubleshoot and smooth issues relating to the successful execution of the event

» Managed Time & Attendance with support staff and supervisors while maintaining precise payroll records.» Processed payroll accurately using Time & Labor computer system to ensure compliance, accuracy, and efficiency.» Ensured compliance to company’s polices relating to processing of wages and paid time off.» Organized and prepared work schedules for 9 floor hospital to ensure the appropriate amount of staff is available for each work shift» Provided excellent customer service » Assisted the On Duty Nurse Clinician Accomplishments:★ Received several accommodations for developing a new staffing plan during Hurricane Andrew with a transition from an 8 hour shift rotation to a 12 hour shift rotation and back again.

» Monitored the gate and entrance activities, controlled traffic, and responded to emergencies on base» Investigated traffic accidents when assigned to the Military Police Traffic Accident squad.» Investigated crimes within the military base when assigned to Military Police Investigation» The five main functions were reconnaissance and surveillance, site security and response, law enforcement, internment operations and police intelligenceAccomplishments:★ Letter of Appreciation was given during the Defense Surety Inspection of 1991.★ Certificate of Appreciation was awarded from the Community Family Soldier Support Command