Joseph Kharshoum Email & Phone Number

Saint Thomas, On, Ca

As the Regional Sales Manager at Trend Financial, I led a team dedicated to providing personalized financial solutions to clients with diverse credit backgrounds. By understanding each client's unique story, we were able to offer tailored loan options and increase approval rates. Through collaboration with cross-functional teams, we implemented innovative sales strategies that drove revenue growth and improved overall customer experience.

Canada

• Spearheaded the strategic initiative to establish, develop, launch, and sell a direct offering of personal loans to consumers in need.• Collaborated with cross-functional teams to ensure seamless execution of the consumer loan program.• Achieved a significant increase in consumer loan sales, contributing to the company's overall growth and success.

Ontario, Canada

• Collaborated with Crelogix business line leaders to develop and execute successful marketing campaigns across all business lines.• Managed marketing initiatives to ensure cost-effectiveness and drive business growth.• Analyzed market trends and consumer behavior to optimize campaign strategies.• Implemented data-driven decision-making processes to improve marketing effectiveness.

Ontario, Canada

• Collaborated with doctors and clinics to provide cost-effective financing solutions, increasing profitability and filling up calendars.• Developed strategic partnerships to expand client base and drive revenue growth.• Implemented innovative marketing strategies to promote financing options and increase patient satisfaction.

• Drove Real estate sales from $4.5 million to over $7 million in receivables in less than a year at the Brantford Branch• Grew mortgage business from 700k to 1.5m in 3 months at the Caledonia Branch• Managed a branch of 5 employees and set targets for branch and individual account managers

Various

• Exceeded department sales goals by implementing company training programs and providing ongoing coaching to associates.• Ensured merchandising, planograms, and project kit standards were consistently met.• Developed strong leadership and communication skills while managing sales team at Future Shop.

 Trained and coached new associates, current associates, and managers on Home Depot computer programs, processing special orders, sales techniques including qualifying and closing sales Developed training classes for specialty areas such as installation of sales program and pro desk programs Trained store managers and assistant mangers on various reports including P&L Presented and guided store managers on how to track and set individual associate sales goals  Coordinated and trained sales staff of over 250 to qualify, recommend and sell install projects  Responsible for planning and achieving sales goals, achieving target markdowns ratios  Grew the special services sales from 8% of district sales to over 12% in one year; taking sales from $33.6m to $50.4m an increase of $16.8million Reduced associate error markdowns from 6.2% of install sales to 1.8% generated an extra income $114,000 annually

Ontario, Canada

• Sold financial services to clients through cold calling and merchant generated leads• Underwrote all loan and mortgage applications to ensure financial security for clients• Developed and trained staff to enhance sales skills and customer service• Negotiated with merchants and successfully sold credit services to boost company revenue

Led store operations at Kmart Corporation, setting and achieving sales goals, training department managers, and ensuring customer satisfaction. • Managed scheduling, financials, and customer service.• Drove team performance to meet sales and P&L goals.• Trained department managers and held them accountable for store appearance and sales.