Intellex Acquires Expert by Big Village

We're thrilled to announce that Intellex has acquired Expert by Big Village, effective March 22, 2024. This strategic move enhances our capabilities and strengthens our commitment to delivering exceptional solutions to our customers.

Stay tuned for more updates on how this acquisition will benefit our clients and experts.

For inquiries or more information, please contact us at


Expert Details

Consumer Finance; Fortune 100 Companies, Large Financial Institutions, and Early-Stage Consumer Finance Companies/Start-Ups

ID: 737743 California, USA

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Expert is the Head of Sales and Marketing and is also the creator and host of a popular podcast. Expert has over 24 years experience in consumer lending, with a keen interest in nonprime auto. He has worked at Fortune 500 Companies, Banks, down to Finco's, Fintechs, and startups.

Consumer finance executive experienced with Fortune 100 companies, large financial institutions, and early-stage consumer finance companies / start-ups. Founded a subprime consumer automotive finance business, and successfully managed it through to its secondary phase of private equity backing.

Industry expertise in consumer finance operational and compliance topics, contributing editor in Non-Prime Times, SubPrime News, frequently interviewed in Auto Finance News, and SubPrime News on the industry.

Frequent speaker, moderator, and panelist at various industry conferences including: Auto Finance Risk & Compliance Summit, National Automotive Finance Association, Used Car Week, and North American Repossessors Summit.


Year Degree Subject Institution
Year: 2015 Degree: Certified Consumer Credit Compliance Executive Subject: Consumer Regulatory Compliance Institution: National Automotive Finance Association
Year: 2001 Degree: MBA Subject: Management Institution: The George Washington University
Year: 1998 Degree: Information Management Leadership Program Subject: Information Management Institution: General Electric
Year: 1996 Degree: BS Subject: Decision and Information Science Institution: University of Maryland

Work History

Years Employer Title Department
Years: 2020 to Present Employer: Undisclosed Title: Head of Sales & Marketing Department: Sales & Marketing
As Director of Business Development, I am responsible for perpetuating the Nortridge brand. I do this via a number of marketing, social media, and industry event activities. From a business development standpoint, I design and deploy various prospecting programs across the sales team that are driving increased top-line revenue.

The (undisclosed) podcast is for people interested in consumer lending, macro market impacts, regulatory changes, innovation, and winning in the marketplace. The podcast regularly posts individual podcast numbers (listens) of over 80 per episode, and the numbers are improving every week (peak listens for a single episode in the 100s). The podcast is part of an overall effort to enhance and elevate company as a thought leader in the industry and it is working well and leads are coming in as a direct result.
Years Employer Title Department
Years: 2018 to 2020 Employer: TruDecision Title: COO Department: Business Development & Operations
Responsible for growing revenue and client base for a startup decision sciences company focused on the nonprime automotive market. TruDecision Inc. is a fin tech company focused on driving efficiencies in the auto lending and dealership space. Founded in 2017 by seasoned industry executives in finance, analytics and technology, the company deploys sophisticated solutions to clients in Canada and the United States. TruDecision’s cloud-based analytics platform makes artificial intelligence, neural networks and other sophisticated technology accessible, regardless of the customer’s technology infrastructure.
Years Employer Title Department
Years: 2018 to Present Employer: Undisclosed Title: Managing Member Department: Management
Founded a profitable consulting practice focused on the automotive lending space. Engagements include:
• Business and market development, and market intelligence supporting vendors focused on automotive finance lending
• Advisory, investor engagement for start-up and early-stage consumer finance businesses
• Strategy, operational design, and implementation for start-ups
Years Employer Title Department
Years: 2013 to 2017 Employer: Self Employed Title: Founder, Member Board Of Directors, Officer; Compliance, Operating, Performance Department: Executive
A private equity backed consumer finance business that purchases and services auto retail installment contracts from subprime dealerships in > 30 states. Responsible for Servicing, Compliance, IT, PMO, and Improvement. Built and managed all compliance and risk management from the ground-up. Grew and developed a 60+ seat operations center to support a $110MM deep subprime portfolio, leading all aspects of people, process, and technology.
Years Employer Title Department
Years: 2009 to 2013 Employer: Self Employed Title: Founder, Chief Operating Officer Department: Leadership
Founded a successful and profitable consumer automotive finance business. Lead and manage Finance & Accounting, IT, Data & Process, Portfolio Management, Servicing & Collections, and support Loan Originations & Sales. Manage all whole loan sales (servicing retained and released) and back-end operations.
Years Employer Title Department
Years: 2007 to 2009 Employer: ACC Consumer Finance Title: VP, Loan Originations Department: Loan Originations, PMO
Led and managed nation-wide Loan Originations ($8MM/mo). Directly oversaw Credit and Funding Operations (7 mgrs, 33 employees), and business capture for the sub-prime, indirect auto lending channel.
- Reduced cost per loan by 52%, from $1150 to $550 by implementing improvements that cut average days-to-fund in half, doubled process throughput, and reduced resource levels.
- Delivered $3.06MM in monthly loss avoidance resulting from improvement efforts which reduced dealer fraud errors by 85% and improved departmental policy adherence by 32%.
- Improved business capture from 8% to 16% while quadrupling up-front profit across all territories by designing, testing, and utilizing capacity models and improved incentive plans.
Years Employer Title Department
Years: 2006 to 2007 Employer: Wells Fargo Title: VP, Marketing Department: Marketing
Responsible for the accurate measurement & reporting of all Wells Fargo, Consumer Credit Group (CCG) direct marketing campaigns. Directly supported an annual campaign budget of over $50MM, managed a client base of over 50, and a team of 5 analysts.
- Successfully led a large and complex effort to measure all direct marketing campaigns on a net basis (vs. gross), resulting in the improved ability to evaluate the effectiveness of all marketing dollars.
- Saved $250K (per annum) as a result of performing value assessments of all reports and activities and eliminating low value / no value activities. Implemented a solution strategy and reporting queue to ensure that value for all new reports was assessed up-front.
- Utilized freed up resources to design and implement urgently needed new reports ahead of plan - including a product dashboard (product-based view of profitability), and home equity campaign “flash reports”.
- Secured a $.5MM budget, negotiated, and managed a specialty vendor in the on-time and on-budget delivery of a platform to drive all future marketing efforts targeting current customers.
Years Employer Title Department
Years: 2003 to 2006 Employer: Capital One Title: Sr Manager Department: Operations
Managed Loan Operations teams (100+ heads). Directly responsible for the origination of over $5.56B in new Prime+ auto receivables (manually underwritten loans), and managed an annual operations budget of over $4MM.
- Drove increases in manual approval rates while managing extremely low credit losses. Subsequently led the operational implementation of automated decisioning.
- Led the successful strategic site integration and business integration of Capital One Auto, earning a Capital One Circle of Excellence Award.
- Captured $50MM (per annum) by implementing processes to capture business leakage and restrict lost opportunities.
- Saved $800K in cost (1st year realized) by transitioning the internal check fulfillment to an outsourced vendor.
Years Employer Title Department
Years: 2001 to 2003 Employer: Capital One Title: Sr Mgr Department: IT
Led technical / analytical team of 6, responsible for internal consulting, analysis and reporting in support of senior executive decision-making.
- Delivered $2MM in program benefits as a result of designing, analyzing, and reporting the performance of business critical systems.
- Booked $1MM in cost avoidance by driving a 97% reduction in problems associated with data loads, negating the need for a planned purchase of additional data infrastructure.
Years Employer Title Department
Years: 1996 to 2001 Employer: General Electric Title: Program & Quality Mgmt Department: IT
Developed and executed business strategies and plans, implemented technology solutions, delivered quality improvement programs, and improved the overall control environment.
- Reduced avg. time to market for IT projects by 34% by integrating and simplifying internal development methodologies and productivity initiatives.
- Improved audit scores by 20% in 2nd year, and obtained passing ratings (1st year) in the engagement and completion of the first Corporate IT audits (Session i, Security Assessment, IM Assessment), and utilized audit findings to deliver on structural improvements.
- Created improved project governance frameworks integrating CMM, NSI & Six Sigma resulting in improved focus on and measurement of the financial impact of IT projects.
- Delivered a configuration management environment for all business-critical code. Led the effort from beginning to end resulting in a totally secured and disaster-ready environment for a $70MM business.

International Experience

Years Country / Region Summary
Years: 1998 to 1998 Country / Region: United Kingdom Summary: International Post serving as IT lead on the selection, requirements and implementation of a Financial System for European Finance.

Career Accomplishments

Licenses / Certifications
▪ Six Sigma Green Belt Certification
▪ Certified delivery of a CMM Level III Project
Professional Appointments
President, National Automotive Finance Association
Chairman, National Automotive Finance Association
Awards / Recognition
▪ Capital One Circle of Excellence
▪ GE Award of Achievement
Publications and Patents Summary
The (undisclosed) podcast can be found on Apple, Google, Spotify - Expert has over 51 episodes on the books.

Expert has also written articles for industry publications, mostly NonPrime Times and SubPrime News.

Additional Experience

Training / Seminars
▪ General Electric Information Management Leadership Program

Fields of Expertise

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