JOSE RUIZ
Houston,TX
Summary
Accomplished professional with over nine years of experience in team leadership, interpersonal communication, and customer service. Capable of managing multi-location teams, boosting customer satisfaction, and achieving operational excellence. Ready to apply these versatile skills to drive success and growth in a new industry, enhancing team performance and providing outstanding service
Overview
8
8
years of professional experience
Work History
District Manager
Cottonwood Financial
12.2019 - Current
- Supervise and support 30 employees across multiple branches, ensuring high performance and adherence to company standards
- Foster a customer-first culture to differentiate the company from competitors, leading to increased customer satisfaction and loyalty
- Manage a loan portfolio with a maximum balance of $2.2 million, conducting regular audits to ensure loan quality and compliance
- Implement customer service-driven strategies to improve collection practices, resulting in an increase in collection rates
- Provide ongoing training and development for branch managers and staff, focusing on loan processing, compliance, and customer service excellence
- Analyze financial reports to monitor district performance, identifying opportunities for improvement and implementing corrective actions
- Collaborate with senior management to align district operations with corporate goals and strategic objectives
- Ensured the delivery of exceptional customer service by all employees, setting high standards and monitoring performance
- Addressed customer inquiries and resolved issues promptly to maintain a positive customer experience.
Store Manager
Cottonwood Financial
12.2017 - 12.2019
- Developed and maintained strong relationships with all customers to enhance customer satisfaction and loyalty
- Maintained a loan balance of $500,000, ensuring all transactions adhered to company policies and regulatory requirements
- Prepared and presented regular reports on store performance, customer feedback, and financial status to senior management
- Monitored and managed the store's financial activities, including loan disbursement, repayment collections, and maintaining accurate financial records.
- Provided coaching and mentorship to store employees, enhancing their customer service skills and improving overall team performance.
Store Manager
Cash America International
06.2016 - 12.2017
- Develop and implement strategies to increase sales, both of pawned items and new merchandise
- Monitor and analyze financial performance, including revenue, costs, and profit margins. Implement initiatives to maximize profitability
- Establish and track key performance indicators (KPIs) to measure the store’s success and areas for improvement.
- Build and maintain strong relationships with customers, fostering repeat business and customer loyalty
Education
High School Diploma -
Elsik High School
Skills
- Team Leadership & Development
- Loan Auditing & Compliance
- World-Class Customer Service
- Financial Analysis & Management
- Collection Strategies
- Performance Management
- Strategic Planning & Execution
- Operational Efficiency
- Conflict Resolution
- Data-Driven Decision Making
- Communication
- Sales and Marketing
- Negotiation
References
Available upon request
Timeline
District Manager
Cottonwood Financial
12.2019 - Current
Store Manager
Cottonwood Financial
12.2017 - 12.2019
Store Manager
Cash America International
06.2016 - 12.2017
High School Diploma -
Elsik High School