Credit Repair and Financial Solutions Specialist
Resume:
John Papanicolaou
**** ****** ******* ** ***** Lane, PA 18054
***********@*****.***
Objective:
Experienced sales and credit specialist with a proven track record of driving business growth through strategic planning, team leadership, and customer-focused financial solutions. Adept at credit repair strategies, including credit analysis, dispute resolution, and client education to improve credit scores and financial outcomes. Seeking a leadership role in workforce management to leverage expertise in forecasting, capacity planning, lead routing optimization, and credit advisory services. Professional Experience:
Credit Repair Specialist
Micah Abigail
April 2025 - Present
• Assess Credit Health: Carefully review clients’ credit profiles to pinpoint problem areas, outdated items, or potential inaccuracies that may be impacting their scores.
• Develop and Execute Dispute Strategies: Create personalized action plans and submit formal challenges to credit bureaus or lenders to correct or remove harmful credit report items.
• Educate and Empower Clients: Help clients better understand how credit works, including how their behavior impacts scores, and equip them with tools and knowledge to build stronger financial habits.
• Track and Report Progress: Maintain regular communication with clients regarding their credit improvements and update internal systems with key milestones and outcomes.
• Manage Documentation: Organize and store all correspondence and records related to disputes, credit report updates, and client interactions for accuracy and transparency.
• Advise on Credit-Building Techniques: Recommend steps such as responsible credit use, payment strategies, or account types to support long-term score improvement.
• Coordinate with Third Parties: Reach out to lenders, collection agencies, and credit reporting entities on behalf of clients to resolve issues or validate information.
• Stay Informed on Credit Regulations: Keep up with changes in credit reporting laws and consumer rights to ensure ethical and compliant practices at all times.
• Deliver Personalized Service: Offer patient, attentive support tailored to each client’s unique credit situation, helping them regain financial confidence. General Manager
Ashley Furniture
May 2024 – March 2025
• Drive sales performance by coaching teams on selling strategies and leveraging key metrics.
• Recruit, train, and retain top talent, fostering a high-energy, customer-focused environment.
• Optimize store operations and merchandising to exceed sales goals and enhance customer experience.
• Lead with integrity, ensuring compliance with corporate standards, safety, and confidentiality policies.
• Enhance team productivity through targeted coaching, regular training, and performance-based feedback.
• Analyze business trends to implement effective sales strategies and operational improvements. Director Planning, Training, and Forecasting
New Start Capital, New York, NY
Feb 2016 - Jan 2024
• Spearheaded the development and refinement of innovative forecasting and staff planning models to drive alignment with historical trends and business objectives
• Provide visionary leadership and strategic guidance to empower Forecasting Analysts in their roles
• Collaborate closely with Sales, Revenue Operations, Finance, and Product teams to optimize lead routing models, fostering increased conversions and revenue growth
• Act as a key advisor and deputy to leadership team, driving the implementation of strategic initiatives with clarity and purpose
• Conduct dynamic analyses to identify real-time challenges and opportunities, ensuring seamless operations across Sales and Client Success departments Co-Founder/Owner/Operator
Titan Consulting Group, New York, N
July 2014 – June 2018
• Led sales operations for the debt and credit solutions division, playing a key role in expanding the company’s footprint in credit repair services.
• Developed a deep understanding of credit reporting, FICO scoring models, and consumer credit behavior to tailor solutions that improved client outcomes.
• Worked closely with clients to assess credit profiles, identify negative items, and present effective credit repair plans aligned with industry standards.
• Collaborated with the sales team to consistently exceed performance benchmarks, while ensuring personalized support for customers navigating debt and credit challenges.
• Generated and presented comprehensive sales performance reports to senior leadership, leveraging data insights to inform strategic direction.
• Designed and implemented sales initiatives that drove significant gains in both customer retention and revenue within the credit improvement vertical.
• Partnered cross-functionally with marketing and finance to align messaging and offers for consumers seeking credit repair or debt relief support.
• Streamlined workflows and introduced scalable processes that improved team efficiency and client satisfaction.
• Provided hands-on training to new sales hires, with a focus on compliance, ethical credit practices, and empathetic customer engagement.
• Maintained strict adherence to industry regulations and company standards, ensuring all credit repair activities met legal and ethical requirements. Sales Representative
Strategic Debt Solutions, New York, NY
January 2013 - June 2014
• Spearheaded prospecting of new customers, exceeding sales targets in 6/7 quarters.
• Built trust quickly through the customer lifecycle to close deals and provide post-transaction support.
Sales Representative
Debt Reduction Services, Brooklyn, NY
December 2009 - December 2012
• Worked with clients to identify financial goals and provide recommendations based on their financial health.
• Educated clients on their options and guided them through the sales process. Loan Officer/Team Lead
Mortgage IT, New York, NY
October 2006 - November 2009
• Approved and denied clients' loan applications, overseeing 30-50 loans per month on average.
• Mentored a team of three other loan officers to ensure accuracy in loan processing. Education:
Bachelor of Arts in Psychology
University of Rhode Island, Kingston, RI
May 2000
Skills:
• Strong team leadership abilities
• Effective client relationship management
• Motivational and inclusive management approach
• Analytical thinker and effective communicator
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