Career Summary VP Financial Services, 2014 - Current Total responsibility for credit underwriting, risk management and scorecard development, collections, customer service, recovery, legal and bankruptcy processing. Independent Consultant, 2012 - 2014 Contracted with various companies for consulting projects encompassing operations, call center administration, customer service, credit and collections. VP Credit / Collections, PLS Group, 2006 to 2012. Planned and managed all collections activity for this $180M consumer financial services provider operating in 12 states. Improved underwriting process, ensured regulatory and policy compliance, and improved credit and collections. Headed team of eight. VP Corporate Credit, Friedman's Inc. 1997 to 2005. Centralized underwriting and credit operations for this 714-store, $255M retailer. Decreased bad debt. Introduced new credit scoring model, compliance reporting and auditing, and full service accounts receivable platform. Led nine divisional credit directors. VP Credit Granting, Financial, Administrative, and Credit Services (FACS) Group, 1994 to 1997. Led division with staff of 2400 at three sites in processing customer accounts for $15B Federated Department Stores. Responsible for authorization of 8,100,000 accounts. Managed inbound call center processing 15,000,000+ calls annually. Prior: Credit Manager, Joseph Horne Company. Assistant Collection Manager and Commercial Claims Representative, National Association of Credit Management (NACM) of Western Pennsylvania.

Highlights:

• Accounts Receivable
• Audit
• Bad Debt
• Bankruptcy
• Call Center
• Consulting
• Credit and Collections
• Credit Management
• Customer Accounts
• Financial
• finance
• Credit, collections, customer service, financial services