Scott Rhode - Fractional Chief Operating Officer, Lendwise Consulting

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Work Background

Lendwise ConsultingPresident and Principal Consultant

Nov. 2023Austin, Texas Metropolitan Area · Remote

Century Consulting ServicesChief Operating Officer

Nov. 2021 - Nov. 2023Austin, Texas Metropolitan AreaOptimized operations by cultivating innovative business strategies, setting performance goals, leading daily operations, financial planning, P&L management, and continuously evaluating performance. • Successfully doubled EBITDA and boosted YoY revenue by 25%. • Consolidated disparate systems into one efficient platform for company-wide servicing increasing operational efficiencies. • Improved reporting and customer experience with deployment of new UCaaS and CCaaS platform for business.

MeritizeChief Operating Officer

Nov. 2019 - Oct. 2021Frisco, TexasDrove organizational growth strategies through goal-setting, performance management, and operational planning. • Transformed loan originations platform launching a mobile-friendly credit application, industry-standard decisioning system, and documents platform. • Transitioned from bank-sponsored lending model to state-by-state model. • Sustained normal business operations during pandemic with fully remote workforce.

Lendwise ConsultingPresident and Principal Consultant

Nov. 2018 - Dec. 2019Austin, Texas Area · RemoteLaunched a consulting firm targeting risk, compliance, operations for financial services, FinTech, and consumer services clients. • Revamped new Private Label Credit Card for large, captive financial services company in Canada. • Advised CEO on loan and payment strategies for high-end, tech-enabled home improvement business.

Cross River BankSenior Vice President & Managing Director, Risk and Compliance

Jan. 2018 - Sep. 2018Ft. Lee, NJ · On-siteSpearheaded the Bank’s Compliance, Lending Platform Compliance, BSA/AML Compliance, and Risk Management groups. In this function, my role was leading the Chief Compliance Officers, Chief BSA/AML Officer, and Chief Risk Officer to enhance the Bank’s Compliance Management System, Third-Party Risk Management, and ensure that the Bank operates within the established, Board-approved Risk Appetite. • Steered implementation plan under FDIC consent order and established new board and management committees to enhance Compliance Management System.

BorrowersFirst, Inc.Chief Compliance Officer

Nov. 2015 - Dec. 2017Austin, Texas AreaChampioned, developed, implemented, and oversaw the Compliance Management System for the business, ensuring compliance with all applicable state and federal consumer lending regulations. • Improved operational efficiency with change management processes. • Reduced compliance risk for business and bank partner with rollout of Compliance Management System.

ExperianSenior Consultant

Oct. 2014 - Oct. 2015Austin, Texas AreaDelivered consultative support for sales team and new clients leveraging industry expertise to drive improvements to client businesses. Additionally, I focused on strategies for vertical alignment targeting product development, marketing, and analytics. •Drove development and playbook creation for a new vertical in renewable energy finance.

Brushy Creek Regional Utility AuthorityPresident

Jan. 2008 - May. 2009Round Rock, TexasThis Utility is a public partnership between the cities of Round Rock, Leander, and Cedar Park charged with meeting long term water demands of these rapidly growing cities. I was the initial President, guiding the board and utility towards a solid financial footing, gaining backing of the Texas Water Development Board for funding support, and ensuring sound operational management working with the leaders of participating cities and impacted communities.

City of Round RockCouncilmember

May. 2003 - May. 2009Elected official responsible for City Budget, Legislation, Strategic Direction, and Oversight.

Dell Financial ServicesDirector, Risk Management

Apr. 1999 - Feb. 2014Austin, Texas AreaLed global risk management team identifying risks, formulating proactive strategies, and supporting clients. Furthermore, I launched risk-related programs and projects, directed risk-related due diligence, and integration activities during acquisition of two business across Canada and Europe. • Enhanced EMEA credit processes by eliminating 30% of manual decision-making activities. • Slashed costs by $1.5M over lifetime of contract with primary credit decision engine provider through effective cost negotiations. • Established bank in Ireland as first bank charter granted by the Central Bank of Ireland after the 2008 financial crisis. • Reduced spending by $250K for credit bureau costs in EMEA with key supplier partnerships.