Ouida Gaines
Jacksonville,FL
Summary
Results driven finance and operations professional with 14+ years of experience in financial account management, collections oversight, compliance, reporting, and process improvement. Demonstrated ability to analyze financial data, manage high-volume account portfolios, reduce risk exposure, and improve operational efficiency. Skilled in cross-functional collaboration, reconciliations, customer account resolution, and performance reporting. Adept at maintaining accuracy, ensuring regulatory compliance, and supporting organizational financial objectives in fast-paced environments.
Overview
15
15
years of professional experience
Work History
Associate, Specialty Collections
Hyundai Capital America
Atlanta, GA
09.2015 - 06.2025
- Managed complex post-repossession accounts while minimizing financial loss exposure and improving recovery outcomes.
- Led staff training for new process implementations, including one-on-one coaching, while partnering with management to communicate operational updates and team objectives.
- Conducted detailed account research and collaborated with internal departments to resolve discrepancies and ensure regulatory compliance.
- Supported operational reporting and process improvement initiatives that enhanced departmental accuracy and workflow efficiency.
- Reviewed customer account activity, payment history, and documentation to support informed financial decisions and account resolution.
- Maintained accurate records and ensured adherence to company policies, procedures, and financial controls.
Analyst
Hyundai Capital America
Atlanta, GA
11.2018 - 12.2021
- Oversaw high-risk delinquent accounts and performed detailed account analysis to identify payment discrepancies, missing information, and process gaps.
- Researched and resolved financial inconsistencies to improve account accuracy and reduce operational risk.
- Analyzed portfolio performance and utilized contractual and financial guidelines to support compliance and account resolution.
- Assisted in identifying opportunities for workflow improvements that strengthened reporting accuracy and operational effectiveness.
- Maintained detailed documentation and account records to support audit readiness and internal controls.
Collections Representative
Hyundai Capital America
Atlanta, GA
09.2015 - 11.2018
- Managed a portfolio of delinquent accounts and monitored payment activity to improve recovery performance and reduce financial loss.
- Utilized analytical and investigative tools to research accounts, locate assets, and support resolution strategies.
- Reviewed account balances, payment records, and customer information to maintain data accuracy and compliance.
- Collaborated with internal teams to support operational objectives and ensure timely account resolution.
Collections Agent
BB&T - Regional Acceptance
Duluth, GA
12.2010 - 09.2015
- Managed auto loan portfolios and negotiated repayment solutions to reduce delinquency rates and improve portfolio performance.
- Conducted account analysis and investigative research to resolve overdue account issues and maintain accurate financial records.
- Communicated effectively with customers to support financial resolutions while maintaining compliance with company standards.
- Assisted with documentation, reporting, and account tracking to support operational and financial objectives.
Skills
- Microsoft Excel/Word/Powerpoint
- Financial Reporting
- Account Reconciliation
- Data Tracking
- Portfolio Analysis
- Compliance Monitoring
- Reporting & Documentation
- CRM/Daybreak
Accomplishments
- Financial Reporting & Analysis
- Account Reconciliation
- Risk Mitigation & Compliance
- Process Improvement
- Portfolio & Account Management
- Data Analysis & Reporting
- Operational Efficiency
- Customer & Stakeholder Relations
- Microsoft Excel & Reporting Tools
- Cross-Functional Collaboration
- Time Management & Organization
- Problem Resolution
Timeline
Analyst
Hyundai Capital America
11.2018 - 12.2021
Associate, Specialty Collections
Hyundai Capital America
09.2015 - 06.2025
Collections Representative
Hyundai Capital America
09.2015 - 11.2018
Collections Agent
BB&T - Regional Acceptance
12.2010 - 09.2015