John Owens

Leading Servana's strategic vision and technology-driven transformation of receivables servicing. Building a modern company that combines API-native infrastructure, white-label capability, and consumer-first design to serve lenders, originators, and embedded finance platforms. Focus areas: - Strategic vision and market positioning for next-generation receivables servicing - Client partnership development across primary servicing, white-label solutions, receivables purchasing, and backup servicing - Platform strategy bridging technology innovation with operational excellence - Regulatory compliance infrastructure designed for transparency and scalability - Building organizational culture rooted in excellence, integrity, and innovation Servana serves lenders and consumers by replacing fragmented legacy systems with unified, modern infrastructure. We handle loans, leases, installment contracts, and point-of-sale financing across the full credit spectrum — with the speed, flexibility, and transparency that today's market demands. Skills: Financial Services | Receivables Management | SaaS Platforms | Strategic Planning | Regulatory Compliance | Client Engagement | Team Leadership

I earned multiple promotions to hold broad and cumulative accountability for compliance monitoring and training, client support services, IT, account services, operations, and financial management. Key achievements: * Slashed expenses across the company, including decreasing legal costs and reducing hiring costs while effectively supporting business growth. * Led human resources transformation and introduced employee engagement and retention programs, resulting in streamlined communications, lower turnover, and reduced HR costs. * Ensured adherence to FDCPA, FCRA, TCPA, SCRA, fair lending, and other regulatory requirements related to financial services and client privacy through ongoing education.

As VP, I was a member of the Executive Committee focused on establishing, refining, and leading execution of our overarching strategic direction. I oversaw IT operations and; led SSAE 18 audits of system and organizational controls; and managed customer relationships and vendor due diligence. My key achievements: * Steered launch and day-to-day operations of new internal analytics division to enable data-driven decisions and offer greater insight into performance and key metrics. * Served on Credit Advisory Board of multiple clients and advised on credit and underwriting decisions related to clients' consumer finance programs. * Drove continuous improvement by leading technology migrations and integration, including hosted PBX, new CRM, Asana, speech analytics, and text messaging, as well as redesign of consumer website. * Boosted merchant approval rate by and improved overall yield by revising pricing and underwriting decisioning metrics across multiple programs.

I directed the collections, finance, and loan servicing divisions. In addition, I was a member of the Investment Committee for employee profit sharing funds and the Compliance Committee focused on company-wide adherence to state and federal regulations. My key achievements: * Improved cash recovery and reduced delinquencies, costs, and complaints following implementation of new contact center strategies. * Opened new career development paths for employees and improved support by overhauling operations training and redefining organizational structure. * Implemented data-driven policy, procedure, and process decisions based on assessment of reports provided by divisional managers.

During this period, I gained responsibility for performance forecasting, and internal underwriting matrix development and maintenance. I was also appointed to Credit Committee. My key achievements: * Elevated client approval rates and funding amounts by creating multiple inhouse underwriting matrices and programs. * Coached and mentored staff to advance from entry-level to advanced roles based on individual abilities and career goals.

I led loan servicing operations, team performance, and client relationship management. This included recruiting, hiring, training, and mentoring staff on processes, procedures, and compliance, as well as completing and submitting executive reporting packages. I also responded to complaints from the AG, BBB, and other organizations. My key achievements: * Reduced delinquency on key client portfolio, resulting in larger placements/business from client. * Played a key role in cultivating relationships with largest clients and securing additional business opportunities. * Promoted from entry-level roles.