J. Mark Long

**** ************ ***** ******, ******* 30097 678-***-**** ad2tm1@r.postjobfree.com

Consumer Credit Industry Professional

Certified SAS Programming Specialist Proven Leadership Strategic Planning Sales Management Credit Strategy Development Account Acquisitions / Underwriting Growth Strategies Account Management Strategies Data Driven Decisioning Approach Proficient in SQL/PostgreSQL

Highly motivated and experienced credit industry executive with extensive background in all aspects of consumer credit including business leadership, sales / sales management, strategy development, credit risk management, and marketing. Expert in account acquisitions, credit underwriting, and the use of decision tools to improve bottom line results. Outstanding communication / presentation skills and extensive experience communicating with all levels of corporate management.

Professional Experience

January 2022 – March 2023 SentiLink Corp. Duluth, GA

SentiLink is a privately held organization specializing in consumer fraud identification and prevention.

Account Executive

Created sales opportunities through relationship development and a deep understanding of consumer lending and credit risk management.

Managed existing account relationships with a focus on cross-sell / upsell opportunities.

Specialized primarily in the alternative financial services marketplace.

Generated $500k + in revenue in the first year.

Pitched fraud prevention products and consult credit grantors on the types of fraud and strategies to prevent fraudulent consumer applications.

Orchestrated retrospective data tests.

Evaluated and presented test results to prospective customers.

July 2020 – January 2022 Upstream Logix Duluth, GA

Upstream Logix (USL) was a startup credit reporting agency focusing on the alternative financial services marketplace. USL was purchased by SentiLink Corp. in January 2022.

EVP, Credit Strategy

Consulted prospects and customers on the use of credit data, fraud prevention services & analytics to improve portfolio profitability.

Created & maintained internal policies & procedures related to business operations, consumer relations and regulatory compliance.

Worked to increase revenue through business development / sales

March 2013 – June 2020 CoreLogic Teletrack Norcross, GA San Diego, CA

Teletrack is a wholly owned division of CoreLogic (NYSE: CLGX) specializing in credit data for the alternative financial services industry.

March 2017 – June 2020 Senior Leader, Sales

National sales leader with responsibility for attaining revenue targets.

Managed Senior Account Executives and sales administration personnel.

Maintained sales pipeline reporting and analysis.

Performed monthly revenue forecasts for business unit.

Sales directed primarily in the Alternative Financial Services Marketplace (installment, RTO, payday, subprime auto).

Coordinated sales strategies and tactics to drive new large business opportunities.

Helped lead team to three years of significant revenue growth.

October 2014 – March 2017 Managing Director, Teletrack Business Unit

Responsible for all aspects of business performance including P&L.

Helped lead the business to several years of sustained growth after many years of revenue decline.

September 2013 – October 2014 Senior Director – Product Management

Facilitated collaboration between sales, marketing, product development, decision analytics, and information technology to build, deploy and market new products and services for the alternative financial services industry.

Participated in key account sales calls as a consumer credit industry expert.

March 2013 – September 2013 Credit Industry Consultant

Worked closely with senior management to develop and communicate strategic business objectives.

September 2012 – March 2013 Infinite Applications, LLC Duluth, GA

Infinite Applications, LLC is a start-up company that develops applications for mobile devices.

President

Infinite Applications used a combination of domestic and offshore resources to design, develop, implement and market mobile device applications.

The company’s 1st mobile application, “Mi-Path” debuted on the Apple App Store on February 1st, 2013.

May 2012 – September 2012 Advance America Spartanburg, South Carolina

Advance America (recently merged with Grupo Elektra) offers payday advances and other financial services to consumers through its network of 2400+ retail locations nationwide.

Credit / Industry Consultant

Developed long-term strategy for credit underwriting and credit analysis. Plan contains specific short, medium, and long-range initiatives with detailed descriptions of resource requirements and benefits to the organization.

Utilized SAS to conduct an in-depth review of the pre-existing loan amount offer policy.

Coordinated with business and technical leaders to design and implement an enterprise data warehouse.

August 2008 – May 2012 CompuCredit Atlanta, Georgia

CompuCredit (compucredit.com, NASDAQ: CCRT) is a leading provider of financial services to consumers underserved by traditional financial institutions; revenues in 2010 were $692M.

President & Chief Risk Officer, Valued Services Inc. (Division of CompuCredit)

Overall organizational and financial performance responsibility for a $75M division of CompuCredit. This division was a leading provider of micro-loans and alternative financial products marketed and serviced through more than 300 retail branch locations in nine states (division sold to Advance America, October 2011).

Direct reports included key division leaders (CFO, CTO, COO, National Sales Manager and General Counsel). Retained direct ownership of corporate marketing and credit functions.

Maintained consistent strong revenue and EBITDA performance despite unfavorable state legislation that forced closure of all stores in AR and imposed database restrictions in several other states.

Coordinated the development and implementation of a multi-dimensional new account credit modeling system resulting in a decrease in credit losses by 18% and an increase in EBITDA of 9% (average benefit to total portfolio over first three years).

Implemented a vintage level reporting system that tracked several key performance indicators by risk category and vintage month over time.

Worked closely with key division personnel (Legal, IT, Finance, Operations) to develop new installment products in response to legislative changes in multiple states. Pawn business launched in 2010 as a growth initiative (25+ stores in operation prior to sale of business in October 2011.)

July 2006 – August 2008 CompuCredit Atlanta, Georgia

Portfolio Manager, Credit Logistics (Division of CompuCredit)

Worked primarily in business development engaging retail partners to utilize an internally developed dealer financial services platform to supply consumer financing for their customers.

Developed an exclusive business partnership with a leading power sports manufacturer and distributor.

Portfolio manager of power sports portfolio. Responsible for financial projections and analysis as well as all collections activities.

Prepared and presented monthly financial and operational results to CompuCredit Senior Management.

August 2004 – May 2006 Merkle, Inc. Atlanta, Georgia

Director, Credit Services

Helped build and integrate credit data into traditional non-credit data marketing services environment.

Consulted with clients regarding the use of credit data to improve marketing results.

Responsible for relationship with major credit bureaus including business partnership and pricing.

Overall responsibility for FCRA credit data including data integrity and privacy.

September 2001 – August 2004 CompuCredit Atlanta, Georgia

Credit Manager

Served in all aspects of credit management within CompuCredit’s credit card portfolio group.

Conducted due diligence and performed financial analysis on portfolio purchase opportunities.

Served as the primary project liaison for the integration of the Fingerhut receivables and operations into the CompuCredit family.

Worked extensively on cost reductions in CompuCredit’s call center. Developed a new IVR strategy that significantly reduced live customer service calls and significantly reduced operating expenses.

December 1996 – September 2001 Wachovia Bank Card Services Atlanta, Georgia

WBCS was a top ten credit card issuer with over 5 Billion in credit card receivables prior to their sale in 2001.

Vice President, Credit

Senior Vice President, Credit

Managed acquisitions credit department and had overall responsibility for all analysis and policy related to new account acquisitions.

Coordinated the development of several models (traditional and non-traditional) designed to improve portfolio performance.

Served as a voting member on the bank’s acquisitions council which approved projects and programs related to account acquisitions.

Worked as interim marketing manager in addition to credit responsibilities for several months.

Managed both new and existing credit departments for several months in 2001.

August 1987 – December 1996 Equifax Inc. Atlanta, Georgia

Equifax is one of the nation’s top three credit reporting agencies.

Operations Manager

Sr. Credit Consultant

Served in consumer services operations management from 1987 to 1991.

Worked in Decision Sciences department from 1991 to 1996.

Called on major banks and retailers as a consultant with Equifax sales personnel Helped customers improve account acquisitions and account management decisions through modeling and analysis.

Direct reports included junior level consultants and statisticians.

August 1986 – August 1987 Arlington School Fairburn, Georgia

Arlington was a small Christian school affiliated with Greater Atlanta Christian School.

High School Teacher, Coach

Taught Calculus and computer programming to high school Juniors and Seniors.

Head coach of JV baseball team and varsity basketball team.

August 1985 – August 1986 Federal Reserve Bank Nashville, TN

Division of the Federal Reserve Bank of Atlanta.

Management Trainee, Supervisor

Completed management training program.

Served as supervisor of the settlement department.

Education

Bachelor of Science, Economics Lipscomb University Nashville, Tennessee August 1985

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