Advanced Financial Company (AFC) was founded in 1990 and is a premier leaders in comprehensive loan portfolio servicing, accounting, customer service and delinquency collections. We are actively servicing $1B+ with more than 150,000 customers.

Ki Financial Services, LLC (formerly Koalafi LLC), is a newly formed Fintech company, creating lending solutions for residential homeowners financing solar and storage systems and other home improvement upgrades.

- Dividend Finance provides financing for energy efficiency improvements to residential properties in 28 states - Early member of the Figtree Financing team, successfully raised Angel round and Series A capital, merging Figtree with fintech start-up Dividend Solar to create Dividend Finance in late 2016- Reporting to the CEO, I am the Head of Residential Lending Operations for secured and unsecured lending products (solar, storage, roofing, HVAC other home improvements)- Management responsibility for underwriting, customer care call center, loan servicing and collections departments- I opened the operations center headquartered in San Diego, CA – growing originations from inception to $500MM in annual production within two years. Grew talent from 25 staff members to 110 in the same period- Over the last two years, I supported the successful close of two credit facilities with major banks, one major audit and sale of three rated ABS transactions- I led the migration of loan data to a new servicing system and onboarded partner support for collections, trust administration and investor reporting- Technology influencer, driving the agile development of core systems, platforms and key integrations including key compliance processes, reporting and testing

- Reporting to the CEO, I led consumer sales, product marketing and customer service call center for 4 branchless, digital banking brands offering products and services nationwide- P&L owner with deposit product interest rate pricing responsibilities- Grew consumer deposits 32% over 24 months- Transformed call center operations to include inside sales and outbound customer retention programs- Previous role: First Vice President, Head of Marketing for both deposits and lending lines of business- Managed a team of 15 marketing professionals to execute print and digital marketing strategies for online brands (Bank of Internet, Bank X, Netbank, UFB Direct)- Developed internet banking strategies for acquiring customers and generating deposits online through email marketing, digital display, CPC, AdWords, website remarketing, rate tables, sponsored posts and blogs- Created a millennial-focused banking brand (bankx.com), offering free checking and a lifestyle marketing message, supported by mobile banking applications and promoted through Pandora, digital ads and major market radio- Developed propensity models to identify customer segments for cross-sell product offering

- I led qualitative and quantitative research to expand U.S. auto finance operations into Canada- For the U.S. market, I developed a subprime partner alliance program to expand captive lending products into lower credit tiers for used vehicles- I represented HCA at multiple industry roundtable forums focused on benchmarking captive lender performance

- LEAP was a venture capital funded subprime auto leasing company, providing financial solutions for consumers with distressed auto loans, facing repossession or bankruptcy- Reporting to the CMO, I developed the consumer direct and B2B channels, purchasing charged-off auto loans from major banks, credit unions, and consumers - leasing them back to borrowers to avoid repossession- Over a 12-month period, I developed a direct mail and partner referral program that drove 1,000 applications per month to our inside sales team, incrementally growing leased vehicle assets by $1.5MM monthly

- Reporting to the VP of Solutions Consulting, led multiple project teams across the U.S. implementing SaaS based predictive analytics software solutions for this previous publicly traded Life Sciences company with $150MM in annual revenues- I managed and developed a diverse staff of project managers, software developers, trainers and domain consultants to create software solutions that improved customer workflows, business analysis and rapid development of web-based reporting (contributed $3MM in revenue over 12 months)

- Reporting to the SVP of Global Services, SME auto finance pricing consultant for this venture capital funded startup company providing SaaS based predictive pricing and revenue management software to banking and finance companies- Led largest implementation projects (4,000-9,000 hours, $1–2MM) in the U.S. and Canada to improve pricing strategies and profitability. Customers included GM Financial/AmeriCredit, TD/Chrysler Financial, Royal Bank of Canada, Bank of Montreal and Ford Motor Credit.- Developed analytical insights and pricing recommendations that improved annual customer profitability by 20%- VC funded by Red Rock and Bain Capital

- Reporting to the President of CLC Home Loans, led the development and nationwide rollout of a consumer direct mortgage lending platform for this privately held startup and subsidiary of the nation’s largest student loan lender- Responsible for credit and funding operations and pre-approval credit programs marketed through direct mail- Reduced per loan operations costs by 60% compared to industry benchmarks

- Reporting to the Managing Director of Auto Finance, led the development and national rollout of the Prime auto lending product- Developed detailed product roadmaps and market segmentation analysis for executive presentation- Created pricing methodologies and competitive data tracking- Added $1B in new prime auto originations over first 12 months