1. JODIE MACCARRONE
561.809.4052
Jodie.Maccarrone@gmail.com
UNIQUE, INNOVATIVE, SENIOR EXECUTIVE WITH BROAD DOMESTIC & INTERNATIONAL EXPERIENCE
AND A PROVEN TRACK RECORD OF DEFINING STRATEGY AND DELIVERING RESULTS
Primary role as Vice Chair of Grupo Finmart to assist with the recruitment of a new management to stabilize the operation and
oversee the exit of the business segment. Grupo Finmart is a Mexican lending business in Mexico City with $200M USD
portfolio that offers 36 month loans to government employees and receives payment by discounting from their paycheck.
Grupo Finmart Vice Chair Key Achievements
 Recruited and on boarded new CEO, CRO, Treasurer
 Development of list of strategic options, action plan and oversight of key activities to divest business segment
 Oversight and responsible for minority shareholders and in-country partnerships throughout process
 Establishment and validation of operational/financial assumptions in financial plans used for scenario modeling in the
valuation process
 Development of risk analysis and associated negotiations with all lenders including primary lender representing $100M
USD in portfolio
Primary role and oversight of Canadian segment to perform a review of the business and optimize the 40 store short-term
lending operation.
Canada Key Achievements
 Executed rationalization plan to improve profitability, position the business for growth and minimize exit costs that
transitioned business from ($300k) loss to trend of $2.8M profit for FY16
 Performance driven by +24.5% New Customer growth resulting from launch of Brand Strategy and focus on guerilla
Field Marketing Program as well as reduced drag through store closures and reduced operating expenses
 Bad debt as % of Revenue decreased from 30% to 25% as a due to underwriting improvements in credit model and
store level operational changes
 Launched new product (Installment) and channel (Online) facilitated by the implementation of new Loan Management
System to support growth and expansion of business
PROFESSIONAL EXPERIENCE
EZCORP, Inc. Austin, TX (NASDAQ: EZPW ) April 2012 – Current
Alternative financial services company with pawn and consumer finance operations
CHIEF STRATEGY OFFICER & VICE CHAIR GRUPO FINMART July 2015 - Current
Appointed to role to lead organization through critical change/ transformation by establishing clearly defined key priorities and
measuring implementation of strategy through disciplined approach. Additional key responsibilities include Vice Chair role at
Grupo Finmart, direct oversight of $3M, Canada lending business as well as oversight and strategic planning of Singaporean
digital marketing technology investment.
Strategy Role Key Achievements
 Translated 3YR Strategic Plan from corporate level objectives to business segment and functional area objectives
 Led internal process to redefine organizational measures and key performance indicators to ensure the success of
strategic initiatives and expected financial / operational results - 94% of 110 initiatives on-time and within budget
Established business strategy and 3YR budget to develop a mobile-enabled, digital bank targeting Asian subprime market
 Built value chain and commercial pricing model to support capital raise and capability development
 Launched social and behavior al credit scoring testing leveraging language analysis and social media data to develop
predictive and accurate modeling to support lead generation and loan origination operation (insights overlay)
 Secured Asian contract and funding from local commercial bank to support initial build and delivery of platform
Results-oriented, Analytical and Energetic Leader with expertise in Global Thinking, Growth Strategy Development,
Business Re-Engineering as well as Effective Executive Management with demonstrated success implementing
complex strategies and change management/communication across all levels of the organization including a publicly-
traded Board of Directors.

2. PRESIDENT US FINANCIAL SERVICES February 2015 – July 2015
Appointed to stabilize 505 short-term lending retail operation in an industry encountering heavy regulatory pressure - eventual
primary role was to execute successfully, on-time and 20% above budget the closure of the business segment
US Financial Services Key Achievements
 Oversee all business segment functions with leadership team of 12 including field operations of 4 Regional Vice
Presidents and 42 District Managers
 Key achievements:
o Led cross-functional Executive Committee planning process across all aspects of closure of 505 stores with
1,500 employees including communications, operations, risk management and mitigate planning, human
resource activities including severance calculations, lender negotiations and regulatory requirements
o Closure of 492 stores generated $43M cash collected over 90 day period with <$20k of shrinkage and without
material obstacles
PRESIDENT GLOBAL FINANCIAL SERVICES July 2014 – February 2015
Appointed to oversee EZCORP Financial Services business segments including online lending operations in the UK and the US,
540 stores in the US and Canada and the Grupo Finmart business in Mexico reducing drag on organization by nearly $50M USD
and cash flow improvement of 10%
Global Financial Services Key Achievements
 Oversee all executive management of business segments including CEO of Grupo Finmart, President of US Financial
Services, Managing Director of Cash Genie (UK business) and Vice President of US Online segment
 Assessed financial viability of each segment and management team capabilities and established restructuring plan to
eliminate $12M USD of drag in US Online operation and $20M of drag in UK online operation as well as ultimate
closure both online operations
 Restructured of US Financial and Canada business reducing overall operating expenses and G&A by 30% and
optimizing functional areas across business segments
US Financial Service Key Achievements
 Restructured field organization to reduce span of control resulting in underperforming store % by 20% in 90 days
 Reduced Cost of Capital for US Financial Services business by 3% and total Interest Expense by 21% by renegotiating
and restructuring lender contracts and introducing new lender option
 Optimized the Decision Science organization to deliver 1.5% in bad debt drive experience (% of revenue) through
implementation of new underwriting strategy and $500k in cost savings or 60% in 120 day period
 Evaluated Call Center operations and reset strategy, driving 21% YoY improvement in cash collections within 90 days
through implementation of new technology, updated productivity targets and elimination of debt sales
 Optimized Lead generation program for New Customer acquisition minimizing cost by 50% and increasing conversion
6x
MANAGING DIRECTOR LATIN AMERICA July 2012 – July 2014
Primary responsibility for Grupo Finmart and TUYO performance and growth planning for Region. Secondary responsibilities
for Empeno Facil and TUYO operation including 58 Grupo branches and over 250 Empeno Facil/TUYO retail and pawn stores.
During this period Grupo Finmart experienced 96% portfolio growth; Cost of Funds reduced from 18% to 10%, Net Income
grew from $2M USD to an estimated $17.2M USD and Free Cash Flow increased from $15M to $31M over the same period.
Grupo Finmart Key Achievements
 Commercial expansion from 2 sales channels to 5 including introduction of the first technology-enabled mobile
origination process in Mexico
 Increased originations from 32M MxN monthly to 85M MxN and penetration rates from 1% to 6%
 Improved profitability from average -1% to 24.5% by focusing originations in most profitable contracts and improving
expenses, optimizing commissions and suspending contracts with extended delays in payment
 Diversified funding base including:
o Issuance of $50M USD AAA public securitization (first and only payroll lending public security in Mexican
market),
o $150M USD Private Placement Securitization
o $30M USD Reg S Cross Border Bond
o Secured credit line financing including $20M USD Credit Suisse facility

3. Sun Capital Partners Boca Raton, FL March 2012 – November 2005
Global private equity firm focused on turn-arounds, underperformers and special situation with $8.5B under
management and 80 portfolio companies
DIRECTOR OF OPERATIONS - SHARED SERVICES
Responsible for the development, execution and ongoing management of shared services offering in US and Europe that
leveraged strategic synergies of/across the portfolio and delivered over $100 USD in cost reduction as well as multiple platforms
to support organic growth opportunities in middle-market companies($100M - $2B) over a 5 year period. Domestic experience
included key activities in restaurant segment, retail and manufacturing industries
Shared Services Key Achievements
 Identification and execution plan development that leveraged $750M USD restaurant direct expenditure across 8
companies reflecting potential savings of $30M - $50M [dependent on approach]
 Established multi-year logistics, sea, air and road freight savings programs delivering 15% - 30% reduction of spend
by leveraging volume and network/operational optimization (mode changes, consolidation, policy changes)
 Growth platforms developed included: digital / social media marketing resource and program development, print
production and marketing programs, international product expansion support, cross-portfolio marketing analysis and
Executive Development conferences
o Established growth strategy for „Nancy‟ doll for Famosa including initial order from Wallmart and distribution
through 3rd
party logistics provider
o Negotiated platform agreement and pricing for all Sun companies with Facebook & Google to maximize the
value of building brands online through social advocacy, engagement and action
 Example: Hannah Anderson launch „Mom‟ program and launched multi-year, multi-layered
successful digital marketing strategy as a result
o Facilitated training programs for all Sun companies to support understanding and usage of Social Monitoring
tools as well as development of Social Media Policy
TUYO was a start-up 20 store, buy/sell, retail chain acquired in 2012 in Mexico City to establish Latin American Venture for
expansion of Cash Converters (ASX ticker: CCV) franchise model
TUYO Key Achievements
 Pre-tax income improved from drag of -$2M USD to break-even with 19/20 stores profitable in first 18 months
 Ave sales per store improved +58% and margin +10.8% as a result of improved merchandising, inventory selection and
optimization of store layout
 Shrink reduced from 4.3% to .6% as a result of implementing disciplined internal audit and inventory management
program
 Established franchise program, pro forma and commercial package to launch 50 store growth strategy
Empeno Facil (Pawn) Key Achievements
 Improved in-store retailing and merchandising based on GMROI principles and increased sales 8% in 60 day period
 Reduce aging inventory by defining optimized markdown strategy and pricing cadence as well as a development of
disposal strategy for electronics driving $150k USD savings per month.
 Optimized store labor by establishing allocation model based on high traffic/transactions resulting in $50k cost
reduction per month and improved productivity
The Monitor Group (now Monitor Deloitte) Boston, MA January 2004 – November 2005
Global consulting practice focusing on strategy and serving Fortune 100 clients at the executive leadership level on
long-term high impact engagements
CONSULTANT
Participation in case teams responsible for delivering consulting engagements and program management related to
Competition, Marketing, Executive Development and Growth strategies. Key role and contribution involved in development of
materials and content delivery. Other responsibilities including internal practice operational and organizational assignments
including building engagement financial model and detailed project planning for infrastructure and organizational growth.

4. PROFILE & VALUE QUALIFICATIONS & EXPERIENCE
EDUCATION & CREDENTIALS
MBA International Business Florida Atlantic University, Boca Raton, FL 2007
BA Psychology Dominican University, River Forest, IL 2001
Extensive Graduate Coursework:
Behavioral Psychology, Lynn University 2011 - 2012
International Communication, Marquette University 2001 – 2002
Spanish Language/Immersion Study Center for Intercultural Dialogue on Development 1997
Country Experience +6mos: UK, France, Germany, Netherlands, Spain, Mexico
Other Intl Experience: Australia, Columbia, Panama
Strategy & Execution, Executive Leadership
International Mgmt. Experience & Expertise
Mergers, Acquisitions, Divestitures
P/L and Balance Sheet Improvement
Funding & Capitalization Strategies
New Product & Channel Development
Growth Management & Business Dev.
Change Management
Activity Based Cost Reduction
Organizational Restructuring
Liquidation & Closings
Regulatory Compliance & Enforcement
Public / Private Board Relations
Human Capital Acquisition & Development
Continuous Improvement
Working Capital Management
Purchasing & Procurement Optimization
Start-up & Infrastructure Build
Multiple Senior Executive Leadership Roles in publicly traded
financial services company - Requiring delivery of high profile
decision-making and ability to adapt to changing market
conditions, corporate strategy and governance requirements
Generalist with meaningful experience and fluency across
multiple disciplines Finance, Marketing, Human Resources and
IT – including leadership of multiple restructurings, domestic
and international financing activities, introduction of new market
/ product channels and implementation of new operating/ERP
systems
Established and consistent contributor based on fundamental
commitment to establishing and measuring targeted results –
leading by example and knowing the details
Seasoned experience in turnaround and crisis situations
Demonstrated ability to assess business situation effectively and
develop and execute successful performance improvement plans
Corporate Strategy experience with emphasis on establishing a
shared vision and understanding of “why”, “how” and “who”
across all levels of the organization with an understanding of the
need to align incentives to drive adoption
Solid reputation and history of building and developing strong
cross-functional teams- Proven ability to effectively match need
in organization/team with capability of individual. Passion for
developing talent
Honeywell Intl September 2001 – January 2004
Fortune 100 conglomerate with a diversified business portfolio including manufacturing and services-oriented
operations in global technology and energy industries – Security Division
DISTRICT ACCOUNT MANAGER / OPERATIONS
Responsible for $3M recurring revenue account base and active management of operations in Cleveland, Rochester and
Pittsburgh. Ranked #1 in Customer Retention and key contributions included leading a Six Sigma project and Greenbelt
Training to optimize customer retention experience, tracking and reporting across all 3 US regions.