ERNEST GONZALEZ
San Antonio,Texas
Summary
Results-driven Collections and Operations Leader with 20+ years of experience managing multi-unit financial service operations, portfolio performance, delinquency control initiatives, compliance programs, and high-performing teams. Proven success improving portfolio growth, maximizing profitability, strengthening recovery strategies, and driving operational excellence across competitive financial environments. Skilled in collections management, KPI oversight, customer account resolution, risk assessment, team development, and performance coaching. Fully bilingual in English and Spanish.
Overview
2027
2027
years of professional experience
Work History
District Manager
PLS Financial Services Inc.
San Antonio, Texas
2024 - Current
- Monitored branch performance metrics, including sales goals, transaction growth, audit results, and fraud risk mitigation, while ensuring strong internal controls.
- Manage daily branch and multi-unit financial services operations in a fast paced environment.
- Conduct branch visits and operational reviews to identify opportunities for improvement and ensure the execution of company standards.
- Developed and implemented strategic performance plans that reduced delinquency, increased revenue, and enhanced customer retention.
- Improved delinquency rates through strategic payment negotiations and proactive customer resolution initiatives.
Sr. District Manager
Brundage Management Corp.
San Antonio, Texas
2021 - 2023
- Directed multi-unit financial services operations focused on portfolio growth, customer retention, operational compliance, and delinquency management across 8 branches and 4 markets.
- Managed 8 branch managers and 40 associates, overseeing collections performance, ensuring profitability, maintaining compliance, and executing operational strategies.
- Developed and implemented strategic performance plans focused on delinquency reduction, revenue growth, and customer retention.
- Conducted quarterly business reviews to analyze KPI trends, evaluate portfolio performance, assess delinquency metrics, and identify year-over-year improvement opportunities.
- Oversaw branch financial operations, performing P&L analysis, controlling expenses, executing operational audits, managing branch acquisitions, and implementing process improvements.
District Manager III
Barri Financial Group
San Antonio, Texas
2019 - 2021
- Achieved 124% profit growth, earning #1 regional market of the Year recognition.
- Led multi-location financial service operations, optimizing portfolios, enhancing collections effectiveness, and improving employee performance to drive operational profitability.
- Supervised 18 Branch Managers and 90 associates across San Antonio and Austin, fostering a cohesive team environment and aligning operational goals.
- Developed and implemented employee coaching and collections performance programs, reducing delinquency and improving customer account resolution.
- Conducted operational assessments identifying underperforming branches and implementing corrective action plans to improve recovery performance and operational efficiency.
District Manager II
Axcess Financial
San Antonio, Texas
2016 - 2018
- Oversaw 12 retail locations, guiding 13 Branch Managers and 40 associates across 4 markets to achieve operational goals.
- Led district-wide financial service operations with responsibility for collections performance, delinquency control, employee coaching, and operational compliance.
- Created and executed collections call process strategies, strengthening delinquency control and boosting account recovery.
- Coached branch leadership teams through performance reviews and operational training initiatives to enhance team effectiveness.
- Conducted compliance reviews, transaction audits, and cash control analysis to minimize risk exposure and strengthen operational accountability.
District Manager
EZCORP, Inc.
San Antonio, Texas
2012 - 2015
- Directed 19 managers and 65 associates across multiple markets to enhance team performance and operational success.
- Monitored district P&Ls, expense management, and operational performance metrics to maximize profitability.
- Led operational transformation initiatives, financial services expansion, collections performance improvements, and staff development across multi-unit retail operations.
- Facilitated performance coaching and leadership development sessions to strengthen collections effectiveness and ensure operational accountability.
- Developed and enforced collections procedures, call strategies, and operational best practices.
District Manager
Ace Cash Express
San Antonio, Texas
2002 - 2011
- Led district strategy meetings to align collections performance with operational goals and achieve key performance indicators.
- Directed multi-state financial service operations, enhancing collections oversight, compliance management, operational leadership, and staff training.
- Ensured compliance with financial regulations, operational procedures, and audit standards across all locations.
- Streamlined processes and enhanced procedures to improve audit efficiency and ensure operational consistency.
- Developed customer growth and retention strategies through business partnerships and community outreach initiatives.
Education
Year 2 Completed -
AFSA Education Foundation | Mercer University
06-2023
Year 1 Completed -
AFSA Education Foundation | Mercer University
06-2022
Business Management -
San Antonio College
Skills
- Collections Management
- Delinquency Control & Recovery Strategies
- Portfolio & Risk Management
- Financial Services Operations
- Compliance & Audit Oversight
- Customer Account Resolution
- KPI & Performance Management
- Team Leadership & Coaching
- P&L Management
- Revenue & Profit Growth
- Process Improvement
- Employee Development
- Operational Strategy
- Customer Retention
- Bilingual: English & Spanish
Accomplishments
- District Manager of the Year – (2022)
- District Manager of the Quarter – (Q1, Q3, Q4 - 2022)
- District Manager of the Month – (10 of 12 months - 2022)
- District Manager of the Year – (2020)
- District Manager of the Month – (9 of 12 months - 2020)
- Multiple Operational Excellence Awards for: Revenue Growth, Delinquency Management, Profit Margin Improvement, Expense Control, Cash Loss Reduction, Product Performance
References
Executive-level references available upon request.
Timeline
District Manager
PLS Financial Services Inc.
2024 - Current
Sr. District Manager
Brundage Management Corp.
2021 - 2023
District Manager III
Barri Financial Group
2019 - 2021
District Manager II
Axcess Financial
2016 - 2018
District Manager
EZCORP, Inc.
2012 - 2015
District Manager
Ace Cash Express
2002 - 2011
Year 2 Completed -
AFSA Education Foundation | Mercer University
Year 1 Completed -
AFSA Education Foundation | Mercer University
Business Management -
San Antonio College