Joshua Risch, Mba Email & Phone Number

Carmel, Indiana, United States

Develop, support, and lead branches in implementing strategies, polices, and procedures to improve overall effectiveness. Manage large Platinum dealer sales, service, wind downs and collections. Proactively identify potential growth opportunities or collection issues in branches. Work with Senior Management to lead strategic initiatives for ongoing operational improvement. Assume and assist with Regional and Branch Manager duties as needed.•Contributed and presented at the AFC International Management Conference in 2012.•Contributed to Excelerate time savings by decreasing check processing time by up to 10-15 minutes per transaction in conjunction with IT by identifying redundancies and streamlining processes. •Worked with Paperless and Workflow develop team to implement initiatives in the best manner possible (created FAQ document for Paperless and Workflow).

Tampa/St. Petersburg, Florida Area

Managed AFC Tampa and Lauderdale locations. Increased revenue and unit count by aggressively pursuing new quality accounts and increasing usage of current customers while maintaining a high level of customer service and portfolio quality. Implemented, tracked and adjusted achievable goals for branch staff.•Increased the branch portfolio from $6.3 million to $9.1 million in 1 year.•Maintained delinquency at less than 1.5% of outstanding portfolio throughout 2011.•Adjusted staff's duties to achieve the most productivity with the least amount of time and effort.•Greatly improved relationships with Adesa Tampa, Your AA St. Pete, and Car-Max Tampa.•Improved branch audit score from "non-satisfactory" to "excellent" in 7 months.

Fort Lauderdale, Fl

Increased receivables by $3 million while mitigating losses. Established, developed, and maintained goals for staff. Trained incoming branch manager. Assisted in an 18 month internal HR investigation. Negotiated new substantially reduced lease terms for branch location.•Reduced delinquency from 10.5% to 1.4% .•Improved adherence to AFC’s policies, resulting in an Excellent audit rating with only 3 audit exceptions.•Obtained annual EAGLE award in 2010.

Clearwater, Fl

Set-up and opened a site branch in Clearwater, Florida. Hired and trained new employees. Managed approximately $2 million dollars in receivables. Maintained branch budget, marketed products and services, collected on accounts, and administered customer service. Ensured branch was conforming to policy and procedure.•Maintained delinquency levels at 2% or lower.•Maintained a level average active dealer base (about 30) during an economic slow-down.

Tampa/St. Petersburg, Florida Area

Co-managed approximately $8million dollars in receivables. Supervised and trained employees Regularly called and/or visited delinquent accounts. Oversaw repossessions as needed. Conducted public relations during sales auctions. Resolved client conflicts. Expressed ideas and opinions regularly to aid in decision making for the branch in regards to accounts and sales

Little Rock, Arkansas Area

Established new accounts by marketing AFC’s line of products and services at auctions and dealership locations. Conducted manual audits on dealerships. Collected on delinquent accounts. Processed Gold and Platinum dealer applications. Conducted monthly branch audits, and performed daily deposits. Analyzed financials, taxes, and financial ratios needed for business decisions. Developed a lasting “customer first” attitude.•Oversaw complete Buy-Here/Pay-Here portfolio. •Assisted with managing 4.5 million dollar branch in Tulsa, OK before new manager was hired.

Master Of Business Administration (Mba), Business Administration And Management, General, 3.55

Bachelor'S Degree, Banking, Corporate, Finance, And Securities Law, 3.4

Activities and Societies: Alpha Tau Omega