Nathan (Nate) Byars Email & Phone Number

Greenville, South Carolina, United States

Greenville

United States

Greenville, South Carolina Area

Scope and ResponsibilitiesResponsible for Skip Recovery, Collections – Deficiency Balance, Insurance Loss Mitigation, Dealer Recoveries and BK. Collections ManagementExpanded internal Deficiency balance team and launched a legal and non-legal deficiency balance vendor to pursue enhanced recoveries. Internal team exceeded goal every month during tenure. Strategic DriveDrove strategic change in Skip Recovery assignment strategy leading to a 25% beat to established… Show more Scope and ResponsibilitiesResponsible for Skip Recovery, Collections – Deficiency Balance, Insurance Loss Mitigation, Dealer Recoveries and BK. Collections ManagementExpanded internal Deficiency balance team and launched a legal and non-legal deficiency balance vendor to pursue enhanced recoveries. Internal team exceeded goal every month during tenure. Strategic DriveDrove strategic change in Skip Recovery assignment strategy leading to a 25% beat to established goal for final month running department.Policy Change ManagementChanged policy for Skip Recovery reinstatements, increasing loan reinstatements by 5x and enhancing customer experience while mitigating lossesCustomer FocusedLaunched Insurance Loss Mitigation Customer Service team to improve customer experience, easing access to insurance updates and reduced customer complaints related to insurance lossesSoftware Launch - Process RedesignImplemented BPM software to scale Dealer Recovery Rebates and improved collections from 90% to 95% on a dollar denominated basis Show less

Growth ManagementResponsible for Customer Service, Credit Reporting, BK, Insurance Loss Mitigation, and Dealer Recoveries. Grew department from 7 FTE to 40 FTE. Designed and implemented staffing model, drove organization design decisions and implemented key KPIs with process controls to stage department for continued growth. Resulted in opportunity to leverage skills in newly created Recoveries department to drive scale and bottom line profit.Partnership ManagementLed… Show more Growth ManagementResponsible for Customer Service, Credit Reporting, BK, Insurance Loss Mitigation, and Dealer Recoveries. Grew department from 7 FTE to 40 FTE. Designed and implemented staffing model, drove organization design decisions and implemented key KPIs with process controls to stage department for continued growth. Resulted in opportunity to leverage skills in newly created Recoveries department to drive scale and bottom line profit.Partnership ManagementLed initiative from negotiation of pricing to project launch with vendor to pursue dealer misrepresentations of collateral, resulting in $1m increased net profitability and increased ROA of 13bps.Partnership ManagementLed initiative to replace our Bankruptcy Servicing vendor with focused goal of creating enhanced process controls resulting in faster recognition of bankruptcy accounts, eliminating regulatory/credit risk due to human data entry errors and reaffirmation agreements climbed from 5% to 33%.Process Design and KPIsLed project to extract data from eOscar (credit disputes platform) and land data in warehouse. Data used to create KPIs and controls to ensure process is executed in accordance with policy. Process Design and KPIsRedesigned process flow with KPIs and reporting to streamline Total Loss process by creating visibility in key process steps and developing initial process reports. Resulted in streamlined process that reduced charge-off dollars due Total Loss by 27%.Enterprise Risk ManagementIdentified and corrected issues with consumer credit reporting related to bankruptcy status accounts and repossessions pending auction sale. Show less

Greenville, South Carolina Area

Rebates Recovery Process OverhaulIdentified major process failure in recovery of VSC and GAP recoveries process post charge-off. Performed the analysis, process redesign, implementation and oversight of initiative that collected $1 million in outstanding receivables and tripled the monthly recovery dollars on a go-forward basis. Data Collection for KPI and Control DesignsIn collaboration with IT, developed a robust data collection effort for the future study of potential risk… Show more Rebates Recovery Process OverhaulIdentified major process failure in recovery of VSC and GAP recoveries process post charge-off. Performed the analysis, process redesign, implementation and oversight of initiative that collected $1 million in outstanding receivables and tripled the monthly recovery dollars on a go-forward basis. Data Collection for KPI and Control DesignsIn collaboration with IT, developed a robust data collection effort for the future study of potential risk indicators in the funding process. Led to new KPI controls, lowering error rates across multiple stages of the funding process. Show less

Greenville, Sc

Mailer Program LaunchFull responsibility for implementation of mailer program required development of data-warehousing, response rate modeling, product design, dealer targeting, vendor management, process design and application management.Dealer ManagementDeveloped dealer management strategy, segmenting dealers across application, approval, application quality and efficiency benchmarks. Implemented tactical solutions to assist sales in execution of strategy in addition to… Show more Mailer Program LaunchFull responsibility for implementation of mailer program required development of data-warehousing, response rate modeling, product design, dealer targeting, vendor management, process design and application management.Dealer ManagementDeveloped dealer management strategy, segmenting dealers across application, approval, application quality and efficiency benchmarks. Implemented tactical solutions to assist sales in execution of strategy in addition to on-going reports to measure impact.Sales AnalyticsDesigned and implemented sales reporting tools that provided dealer level reporting.Market ResearchPioneered use of PIN Network data for in-depth market intel to assist in product pricing and market benchmarking. Helped PIN Network identify gap in vehicle cost calculations caused by discounts.Auto Finance SalesGrew application volume 247% year over year and booked loan volume 158% year over year while in territory for five months. Demonstrated understanding of business combined with analytical skills earned promotion into new marketing department.UnderwritingTrained credit underwriter for subprime auto loans. Show less

Leadership DevelopmentTwo-year program with full-time placement occurring after completing a series of assignments in various business groups. Position includes efforts in operations, process improvement, data analysis, business analysis and finance. Process ManagementNew foreclosure division expecting influx of volume from legal settlement with Bank of America, created need for advanced process metrics. Developed process management tools to identify and manage service… Show more Leadership DevelopmentTwo-year program with full-time placement occurring after completing a series of assignments in various business groups. Position includes efforts in operations, process improvement, data analysis, business analysis and finance. Process ManagementNew foreclosure division expecting influx of volume from legal settlement with Bank of America, created need for advanced process metrics. Developed process management tools to identify and manage service quality levels. Subsequently copied by bankruptcy and suit on note departments.Asset ManagementCreated new strategy to maximize return on old legal judgments. Created a scoring matrix based on cost/benefit analysis with proxy data. Impact will take years to materialize as judgments last up to 20 years but was roundly praised.Market Research ManagementDeveloped new analytical process for auto loan division for a 3rd party data source that lead to a decrease in the percent of “hidden loan sources.” Before project 48% of loans listed in “other lender" category. Reduced to less than 9%. Greatly enhanced its value in targeting sales activity. Database Analysis Have developed intermediate expertise in the use of SQL and Access for analytics. Show less

Analytical Thinking Performed analysis of the wintergreen smokeless tobacco segment. Created useful cuts of data and developed unique look at marketplace. Information used in key strategic meetings. Unique approach to market segmentation being replicated for other flavor segments. Cross-Functional TeamworkTeamed with Corporate Business Strategy, Finance, Consumer Research, Sensory Research and Brand Management. Provided holistic look at the category. Resulted in highly… Show more Analytical Thinking Performed analysis of the wintergreen smokeless tobacco segment. Created useful cuts of data and developed unique look at marketplace. Information used in key strategic meetings. Unique approach to market segmentation being replicated for other flavor segments. Cross-Functional TeamworkTeamed with Corporate Business Strategy, Finance, Consumer Research, Sensory Research and Brand Management. Provided holistic look at the category. Resulted in highly defendable strategic recommendations that may impact category strategy. Show less

Sales and Targeting Launched new territory. Identified key market players from data mining and client discussions. Exceeded quota by average of 200% in final six months. Placed in top 10% of the national sales force.

Sales Training Design and ImplementationDesigned and executed Initial Sales Training program using Adult Learning Principles. Replaced vendor provided training. Increase effectiveness of new sales representatives. Business DevelopmentConsulted with pharmaceutical companies in the search for a product to co-market or in-license. Culminated in the decision to co-market a pediatric skin care product. CRM - Customer Relationship System DevelopmentAssisted in the design and… Show more Sales Training Design and ImplementationDesigned and executed Initial Sales Training program using Adult Learning Principles. Replaced vendor provided training. Increase effectiveness of new sales representatives. Business DevelopmentConsulted with pharmaceutical companies in the search for a product to co-market or in-license. Culminated in the decision to co-market a pediatric skin care product. CRM - Customer Relationship System DevelopmentAssisted in the design and implementation of CRM software with a new cross-functional (sales tracking, entertainment expense tracking, and targeting data) CRM system. Helped provide insight to messaging effectiveness and targeted usage of entertainment budgets. Show less

Market ResearchFacilitated market research studies as the sales representative during evaluation of the messaging and supporting sales materials for product in-licensed from Pfizer. Finalization of marketing materials and sales messaging. Received extremely positive response from potential prescribers.Sales Training Design Collaborated with marketing, Pfizer and Pfizer Europe to develop product launch and Specialty Sales Training programs as the lead from the Sales Training… Show more Market ResearchFacilitated market research studies as the sales representative during evaluation of the messaging and supporting sales materials for product in-licensed from Pfizer. Finalization of marketing materials and sales messaging. Received extremely positive response from potential prescribers.Sales Training Design Collaborated with marketing, Pfizer and Pfizer Europe to develop product launch and Specialty Sales Training programs as the lead from the Sales Training Department for $200 million product. Training expected to ensure correct product messaging. Show less

Sales TrainingConducted Initial Sales Training for all new sales representatives. Trained over 300 representatives. Initiative and Problem SolvingInitiated redesign of home training program for new hires and District Managers. Improved consistency in home training preparation. Increased time spent on selling skills by 8 hours for two week course.

Targeting and Market ResearchOpened new territory with no company provided targeting/market data. Developed market knowledge and target database through extensive territory research via conversation with pharmacies. Led to rapid territory growth.SalesDrove territory sales to in order to attain/exceed sales goals through development of customer relationships. Earned Outstanding Growth Award for ranking in the Top 10% in growth.

Master Of Business Administration - Mba, Finance; Marketing

Activities and Societies: Teaching Assistant for Managerial Economics, Teaching Assistant for MarkStrat, Mentor Traveled to Nicaragua.

Bachelor Of Arts, Political Science