President and COO of AHP Inc (website ahpinc.com), the parent company of AHP Servicing, AHP Title, preREO and AHP Mortgage Direct. Lead all business and functional units (Operations, Finance, Marketing, Business Development, Technology, HR and Legal). We are focused on servicing mortgage loans, purchasing and selling mortgage notes, and title insurance.

Lead project teams of 2-10 consultants in variety of US locations, and across a variety of industries.

Managed pan-European projects across variety of industries: acquisition of French hospital-bed manufacturer by US conglomerate; privatization of government-owned companies for the Treuhand-Gesellschaft.

* Oversee all aspects of loan from point of funding to pay off, including implementation of new technologies and development of a deeper multi-channel customer experience. * Home Point Financial is a national, multi-channel mortgage originator and servicer, and the country's fastest-growing non-bank lender. * Moved entire servicing division remote and put in place improved IVR technology. * Lost position due to covid changes.

* Lead Installment Loans business to upmarket customers; * Previously: lead International Corporate Development out of the US * Managing Director, Installment Loans 2003-2005 * Managed P&L for $8BN US installment loan business, producing >$2BN asset originations, the highest ever in the history of the business; identified and launched brand new product: lines of credit, new customer offerings (choice of products) and entered new market segments * Oversaw team of 50+, covering marketing, data analytics, credit policy & risk models, operations, IT, brand, HR & recruiting, governance & compliance and finance * Managing Director, International Corporate Development 2001-2003 * Lead development and execution of company’s international vision, and directed US team responsible for strategic partnerships in Asia, Europe and Latin America * Managed mid-Atlantic region for Capital One’s venture capital arm, North Hill Ventures

* Lead project teams of 3-15 consultants in variety of international locations. Principally focused on the financial services and telecommunications sectors. * Financial sector reform, aiding Minister of Finance in Jamaica to bring country out of financial crisis – developed regulations for every segment (all components of banking, investing, & insurance) * New strategic planning process for $4BN telecom player in Venezuela * Governmental reform with Governor Jeb Bush and the Council of 100, top 100 CEOs in Florida

Responsible for leading all corporate development activities for the company: corporate strategy, deal sourcing & negotiation (M&A, strategic investments, joint ventures, alliances, major vendor agreements), & new business entry, both domestically and internationally Established corporate development department from scratch, focused on strategy, deal flow, partnerships & post-merger integration; evaluated over 300 potential acquisitions; spoke at education conferences Completed 28 new deals with vendors and lead the company through two acquisitions in three years Lead transition to new payroll provider, saving over $3MM

* Chief Strategy Officer & Head of Strategic Planning * Created and led all strategic planning activities for nineteen divisions * Initiated new business activities – acquisition of builder finance, launch of internal credit card business * Managed investor relations (Annual Report; board meetings) * Fostered corporate vision and strategy and identified domestic and international growth opportunities for insurance, capital markets and banking businesses.

* Independent practice advising fintech, edtech on operational processes, data use and customer experience * Acted as interim COO for fintech (auto finance). * Lead B2B SAAS provider in conversational analytics on improvement in strategic direction & operations. * Advised provider of financial products for Under-18s on optimal strategy.

World is one of the largest small-loan consumer finance companies in the United States and Mexico, with 4500 employees and 1200+ branches (NASDAQ: WRLD), offering installment loans, related credit insurance products, and tax preparation services. Board Director Jan. 2014 - October 2015: Chief Operating Officer. October 2015 - present: Chief Executive Officer. Modernized the company in every way, brought in digital presence and new channels, created data analytics department; introduced new payment technologies; fundamentally changed the culture and developed collaborative approach between corporate and field; developed improved operating metrics and reports and created branch efficiencies More than quadrupled the value of the company from a share price of $27 on first day as CEO to $117 at end of tenure. Market cap increased from $237MM to $1.04BN Highest share price mover on entire NASDAQ twice – once when quarterly results showed the turnaround was starting to succeed, again when quarterly results showed best growth in the history of the company