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Experienced Strategic Leader with several years of experience working in fast-paced environments and a keen ability to lead others and successfully manage day-to-day operations within a variety of industries. Experienced in devising comprehensive business strategies, managing collections functions, handling financial and/or data analysis, and leading cross-functional teams. Equipped with a significant level of communication and interpersonal abilities in addition to a strong background in effectively fostering positive relationships with co-workers, vendors, clients, and members of the community.

  Directly manage day-to-day operational functions within a fast-paced environment with a focus on increasing productivity and efficiency in addition to successfully mitigating risk

  Supervise a cross-functional team tasked with forecasting delinquency, losses, and LLR in addition to overseeing the forecasting of loan losses and in-depth data analysis

  Instrumental in the creation of a streamlined loss forecasting and allowance model which was built within a SAS environment in addition to an innovative FAS 5 allowance methodology

  Develop detailed presentations on a monthly basis which assist members of executive management in maintaining knowledge of delinquency, losses, recoveries, allowance, and organizational trends

  Maintain a significant knowledge of several loss forecasting models which highlight several portfolio segments such as unsecured personal loans, hard secured personal loan, and direct auto loans

  Played a lead role the management of collections and loss mitigation strategies within the real estate portfolio along with completing monthly reports and presentation development

  Designed and implemented creative annual collection initiatives/projects, worked closely with internal collection team members, and streamlined current standard operating procedures

  Created strategies which enhanced dialer effectiveness, best time to call, loan modifications, settlements, text/email campaigns, incentive base collection targets, and expanded operational hours

First Bank of Delaware, Philadelphia, PA 2008-2011

  Facilitated both operational and administrative tasks within the organization which included overseeing customer service, underwriting, and collections in addition to managing various projects

  Utilized superior communication abilities in order to manage vendor relationships in addition to managing data forecasting, staffing, strategy development, and customer service initiatives

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  Directed the management of operations within the organization s risk department which required overseeing underwriting, fraud investigations, and data verification

  Developed comprehensive verification and fraud strategies, streamlined the current verification process in order to improve delinquency rates, conversion rates, and internal quality

  Supervised a technical team during the design/implementation of a new verification system and creating risk based verification strategies

HSBC International Bank, Prospect Heights, IL 2006-2008

  Coordinated the management of risk related operations which required supervising staff members, guiding an international team during the development of acquisition strategies, and managing MIS functions for an unsecured subprime portfolio

  Instrumental in the development of a strategy which resulted in obtaining a 80% system decision automation rate for 1,400 branches within the United States

  Performed complex forecasting which included approval and booking rates, conversion rates, origination growth, delinquency, and profitability

  Obtained an incremental $10 million in loan originations through the implementation of a credit risk score which was used to assess thin file applicants

MBNA America, Wilmington, DE 2004-2006

  Facilitated the creation of comprehensive strategies in addition to the management of a strategy analyst team which was concentration on collection, credit risk, and reporting strategies for a $14 billion consumer finance portfolio

  Achieved a cost savings of over $150 million through the development of collection letter strategies, devised a formula which ranked Collectors based on value added to the department, and implemented a Collector scorecard and streamlined incentive structure

Consumer Credit Counseling of Central NY, Syracuse, NY 2001-2004

  Oversaw daily collections and MIS operations which included developing an annual operating budget of $3.5 million, managing vendor contracts, and negotiated complex lease terms

  Instrumental in the launch of a web-based credit counseling project which generated 20% in new customer growth and reduced operating expenses by $300 million through consolidating products

Additional Experience Includes: Operations Manager, Fraud and Credit (MBNA America, 1995-2000)

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Hiring Agent Name

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Company Name

Address

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Dear__________________:

I am currently seeking a challenging career opportunity in a (INSERT TITLE OF TARGET POSITION) capacity and am submitting my resume for your review. In advance, thank you for your time and consideration.

As demonstrated in the accompanying resume, my professional qualifications include a strong background in operations and executive management roles within a variety of industries with experience in developing comprehensive business strategies, leading cross-functional teams, overseeing financial operations, and overseeing the implementation of streamlined processes/procedures. In addition, I have a keen ability to foster positive rapport with clients, vendors, co-workers, and members of the community.

To complement my professional experience, I also possess superior interpersonal and communication skills with an impressive educational background which includes a Bachelor of Science in Economic Crime Investigation.

As an employee, you will find me to be a driven team player committed to supporting you in achieving your objectives through superior performance. I am confident that I could be a valuable asset to your organization, and look forward to interviewing with you in the near future.

Sincerely,

Yyyyyy x. yyyyyy