updated resume

1. Steve Cahalan
Steve.cahlan@yahoo.com
205-739-9870
BUSINESS LEADER IN OPERATIONS
Results-driven Operations Leader accomplished in start-up and mid-stage growth, with demonstrated expertise in
product management and strategic analysis.
Skilled in creating vision, clarifying and communicating complex issues, and achieving defined business outcomes.
Demonstrates solid conceptual thinking combined with strong application of know-how in leading a large division.
Able to synthesize multiple data points, evaluate situations and resources, and communicate effectively.
Talented leader with collaborative and participatory management style, able to transform cultures to create
competitive advantage. Straight-forward, persistent, and energetic – known for building high performing teams and
consistently exceeding expected results.
AREAS OF PROVEN STRENGTH
Operational Excellence-- Maximizes resources to drive efficiencies, motivate staff and delivers performance that
exceed organizational expectations and goals. Doubled sales performance over the last 6 months year over year,
reduced bad debt by over 4%, and erased $300k negative monthly profit to break even in 6 months.
Cross-functional Management-- Worked directly with SVP, COO and VPs to analyze business needs, structure and
workflows that resulted in developing more effective and efficient business processes. Implemented the Back to
Basics strategy and process, resulting in immediate improved operations.
Strategist and Practitioner -- Versatile and innovative professional able to see the ‘big picture’ while orchestrating
detailed actions needed to improve day to operations and achieve maximum results.
PROFESSIONAL EXPERIENCE
TMX Finance, Columbus, Georgia, 2002 - current
Regional Manager
o Reduced bad debt in the region from 6.5% in January 2014 down to 2% in January 2015
o Took the region from generating an average negative $300k profit monthly to breaking even in 6 months by reducing
bad debt, improving renewal collections and fees, cutting expenses and managing overtime.
o Increased year over year loan volume the last 6 months of 2014 by 50% compared to 2013 by increasing the Business to
Business marketing and focusing on the customer referral program
District Manager
o Ranked number 8 in the final district rankings for 2013 out of 50 districts
o Sales and performance driven, with new loans for 2013 topping $11.6M, a 15% increase year over year and profit of
over $5M, a 10% increase year over year in a 10 year old mature market
o Consistently under the company guideline for bad debt, averaging 1.90% net charge off monthly
o Participated in an acquisition of 12 stores in the Kansas City market in 2010
o Corporate operations trainer for newly hired Regional and District Managers
General Manager
o Managed day to day to day operations of an office with $600k in total receivables and 3 full time staff
o Responsible for hiring customer service representatives and assistant managers
o Responsible for collections and bad debt, meeting loan goals, improving year to year performance, training, and profit
and loss
Bestway Rent to Own, Sylacauga, Alabama, 8/99-11/02
General Manager/District Manager Trainee

2. Steve Cahalan
Steve.cahlan@yahoo.com
205-739-9870
o Responsible for day to day operations of a 500 rental unit office and 4 full time staff, consistently achieved sales goal of
10% increase year over while ranking in the top 10% in the company in profit
o Consistently performed under bad debt guidelines, keeping the store under 2%
o Supervised 4 stores for the District Manager while training to become District Manager
o Responsible for staffing, training, merchandising, local marketing
Education
BS Business Management, Auburn University, Auburn, AL
REFERENCES Available upon request.