Bobby Khial
Sandy,UT
Summary
Sales and operations leader with a strong record at Innofi Auto Finance, specializing in business development and compliance management. Proven ability to build relationships and negotiate effectively, resulting in substantial market growth. Skilled in team training and customer service enhancement, driving operational excellence and compliance adherence.
Overview
25
25
years of professional experience
1
1
Certification
Work History
National Sales
InnoFi Auto Finance
South Jordan, UT
02.2025 - Current
- Transitioned from project manager to compliance officer after completing a compliance course.
- Developed and implemented compliance policies to uphold regulatory standards across operations.
- Managed operations for 26 dealerships in Utah, ensuring performance and compliance adherence.
- Oversaw two dealerships in Ohio, maintaining strict adherence to company standards.
- Led initiatives across four dealerships in Washington, enhancing efficiency and customer satisfaction.
- Fostered strong relationships with dealership partners by visiting locations to explain term sheets.
- Opened new markets by establishing additional dealerships in June.
- Focused on performance and compliance for one dealership in Oregon, driving operational excellence.
Sr. Settlement Analyst
INJURY CARE SOLUTIONS INC.
09.2022 - 01.2025
- Managed portfolio exceeding $150 million, achieving average reduction percentage of 40%, aligning closely with company targets.
- Negotiated settlement reductions with law firms, achieving consistent compliance with company reduction standards.
- Portfolio Auditing: Conduct thorough audits of various portfolios to determine patient case statuses and ensure funds are forwarded to ICS for settled cases.
- Compiled critical information for cases with unreceived funds, escalating findings to senior management for investigation.
- Injury Care Solutions is a leading medical funding company specializing in personal injury cases, primarily collaborating with law firms.
District Collection Manager (UT, ID, NV, MO, TX, AL, TN)
NICHOLAS FINANCIAL INC.
02.2022 - 07.2022
- Nicholas Financial is a national subprime auto finance company with offices across the nation.
- Loss Mitigation: Collaborated with branch managers and collectors to analyze potential losses and formulate strategies for effective loss mitigation.
- Customer Engagement: Engaged with customers in late-stage delinquency to negotiate payment plans and assist in their financial recovery.
- Collaborated with branch managers and collectors to address delinquencies and optimize account management.
- Coordination and Compliance: Coordinated with corporate account resolution on uncollectible cases, bankruptcy reaffirmation, and repossessions; researched and resolved billing issues, ensured system accuracy, and analyzed data to monitor compliance.
- Analyzed data to track compliance metrics and improve operational performance.
Licensed Medicare Insurance Agent
EHEALTH INSURANCE
06.2021 - 01.2022
- Client Engagement: Engaged potential clients in discussions about Medicare options, educating them on annual plan changes that impact coverage and costs.
- Tailored Recommendations: Delivered customized plan recommendations, emphasizing additional benefits and perks available in their coverage options.
- Needs Analysis: Evaluated clients' current plans to identify opportunities for enhancement of their coverage.
- Plan Research: Researched and compared multiple plans to find solutions that included clients' preferred doctors and medications, minimizing out-of-pocket expenses.
Assistant Operations Manager
COMMERCIAL FUNDING INC.
12.2019 - 04.2020
- Process Implementation: Implemented processes to increase accounts receivable (AR) for the collection department.
- AR Balancing: Ensured the AR department balanced their books daily; audited deposit sheets to identify and correct discrepancies.
- Collector Training: Developed training sessions for collectors on effective communication, timely follow-ups, and time management.
- Progress Monitoring: Tracked daily progress and communicated updates to senior management.
- Quality Control Development: Enhanced processes for Account Management team, reducing unnecessary losses.
Client Solution Specialist
COX AUTOMOTIVE
07.2019 - 12.2019
- Managed client relationships to ensure satisfaction and retention.
- Educated customers on Manheim Express Marketplace, enhancing relationships by providing exceptional service and tailored product options.
- Collaborated with cross-functional teams to address client needs effectively.
- Drove incremental growth in assigned area through collaboration with field sales team to identify and pursue new opportunities.
- Analyzed data to identify trends and improve service delivery.
Senior Vice President of Loan Servicing
ARIVO ACCEPTANCE
06.2017 - 02.2019
- Department Development: Created and developed Loan Servicing departments, including Collections, Customer Service, Insurance, Repossession, Inventory, Bankruptcy, Titles, and Recovery; drafted and implemented related policies and procedures to enhance operational effectiveness.
- Employee Development: Recruited, trained, and developed high-performing employees across all Loan Servicing Departments, ensuring efficiency, quality, and exceptional customer experience.
- Acted as the escalation point for customer complaints, resolving issues with discretion and diplomacy.
- Workflow Collaboration: Collaborated with Defi Servicing program to streamline workflows and improve software usability for enhanced user experience.
- Collaborated with servicing program to streamline workflows and improve software usability.
Recovery Department Manager
AVID ACCEPTANCE
10.2012 - 06.2017
Collections Rep/AVP of Loan Servicing
PRESTIGE FINANCIAL
01.2001 - 09.2012
Skills
- Business development and sales strategy
- Market analysis
- Contract negotiation and influencing
- Regulatory compliance (CFPB, FTC, FDCPA, UDAAP)
- DSS compliance management
- LexisNexis proficiency
- Microsoft Office Suite expertise
- Tailored training development
- Customer service excellence
- Relationship building
Skills And Expertise
Business development, Comprehensive knowledge of FDCPA, CFPB, FTC, UDAAP, PCI and DSS compliance, Litigation, Operations management, Skip tracing, Development and delivery of tailored training/professional development, Exceptional person-centered customer service, Negotiation and influencing, Accurint, Cadence Software, Defi Software Suite, FDCPA, FDPB, Great Plains, LexisNexis, Microsoft Office Suite, TLO, Workday
Certification
National Automotive Finance Association
Timeline
National Sales
InnoFi Auto Finance
02.2025 - Current
Sr. Settlement Analyst
INJURY CARE SOLUTIONS INC.
09.2022 - 01.2025
District Collection Manager (UT, ID, NV, MO, TX, AL, TN)
NICHOLAS FINANCIAL INC.
02.2022 - 07.2022
Licensed Medicare Insurance Agent
EHEALTH INSURANCE
06.2021 - 01.2022
Assistant Operations Manager
COMMERCIAL FUNDING INC.
12.2019 - 04.2020
Client Solution Specialist
COX AUTOMOTIVE
07.2019 - 12.2019
Senior Vice President of Loan Servicing
ARIVO ACCEPTANCE
06.2017 - 02.2019
Recovery Department Manager
AVID ACCEPTANCE
10.2012 - 06.2017
Collections Rep/AVP of Loan Servicing
PRESTIGE FINANCIAL
01.2001 - 09.2012