Selected Experiences

Experience Built in the Businesses We Advise.

Operators First.

XperiSource is led by executives whose experience was built inside the businesses and functions they now advise. Across growth, operations, risk, compliance, technology, analytics and consumer finance, the partners have held senior leadership roles with direct responsibility for building teams, systems, controls, customer-acquisition programs and operating platforms.

Selected Partner Experience at a Glance.

$4B+

Serviced assets under Louis Ochoa’s leadership at Servicing Solutions.

$1B+

Originations under Louis Ochoa’s leadership at LoanMe.

650+

Employees led by Louis Ochoa at CashCall.

$7B

Auto portfolio supported by Louis Ochoa’s recovery organization at Household/HSBC.

150+

Employees in a Mexico City operation built with Louis Ochoa’s leadership.

$25M+

Qualified ARR pipeline generated during Mike Trainor’s Servicing Solutions tenure.

$7M+

Qualified ARR pipeline generated during Mike Trainor’s Elevation Connect tenure.

643%

Web-traffic increase reported during Mike Trainor’s Elevation Connect tenure.

400+

Repossession agencies within Robert Caracciola’s vendor-management responsibility at Servicing Solutions.

200+

Employees in Robert Caracciola’s prior Household/HSBC credit-operations leadership.

23+ yrs

Rick Haskell’s tenure at Consumer Portfolio Services.

0% to 100%

Growth in automated loan decisioning that Rick Haskell reports helping achieve.

These figures reflect selected career accomplishments of XperiSource partners in prior and current executive roles. They are not presented as XperiSource client results, and past performance does not guarantee future results.

GROW | Mike Trainor

Partner | Strategic Marketing & Growth

Mike brings more than 25 years of marketing, demand-generation, sales-enablement and communications experience across BPO, contact centers, financial services, technology and professional services.

Servicing Solutions | VP, Marketing & Lead Generation

  • Generated more than $25 million in qualified ARR pipeline.
  • Increased web traffic from fewer than 500 unique visitors to an average of approximately 25,500 unique visitors over two years.
  • Led executive bylines, trade-show strategy and an integrated sales-development and regional-sales structure.
  • Used platforms including Salesforce, Cision, 6Sense, Outreach and ZoomInfo.

Elevation Connect | VP, Demand Generation

  • Generated more than $7 million in qualified ARR pipeline.
  • Reported a 643% increase in web traffic.
  • Built PR, account-based marketing and content programs and developed BPO marketplace and broker/channel partnerships.
  • Served as an advisor to the CEO on growth and demand-generation strategy.

Agency & Advisory Experience

Mike’s broader career includes agency, in-house and fractional leadership work across startups through large enterprises, with experience in financial services, BPO, technology and professional-services markets.

BUILD | Louis Ochoa

Managing Partner | Executive Advisory & Operations

Louis brings more than 35 years of operating leadership across consumer finance, automotive finance, loan servicing, banking and fintech. His experience centers on building and transforming operating organizations at scale.

Servicing Solutions | President & CEO

  • Led a loan-servicing platform with more than $4 billion in serviced assets.
  • Held executive responsibility spanning servicing operations, organizational leadership, client delivery and business performance.

LoanMe | Chief Executive Officer

  • Led a consumer-lending organization that originated more than $1 billion.
  • Provided executive leadership across lending operations, servicing, growth and organizational development.

CashCall | VP, Loan Servicing

  • Led a servicing organization of more than 650 employees.
  • Oversaw large-scale servicing, collections, recovery, performance management and organizational execution.

Household / HSBC Auto | Group Director, Asset Recovery

  • Led an asset-recovery organization of more than 250 employees supporting an approximately $7 billion auto portfolio.
  • Built management infrastructure and performance capabilities for large-scale automotive-finance recovery.

You Drive Auto | Strategic Advisor

  • Helped build a Mexico City operating organization of more than 150 employees over approximately 15 months.
  • Supported management-team development, training, process improvement, quality and scalable operating infrastructure.

PROTECT | Robert Caracciola, J.D.

Partner | Risk, Compliance & Governance

Robert brings more than 20 years of experience across regulatory compliance, risk, audit, credit operations, collections, recovery and call-center environments.

Alleviate Financial Solutions | VP, Risk & Compliance

  • Leads Compliance Management System responsibilities across sales, client success, payment processing, finance sales, settlements, affiliate marketing, training and business continuity.
  • Experience includes quality assurance, BPO oversight, complaint response, policies, vendor management, governance and regulatory controls.

Servicing Solutions | Chief Compliance Officer

  • Led the Compliance Management System and state-licensing functions for a loan-servicing organization.
  • Managed policies, procedures, quality assurance, speech analytics, complaints, training, internal audit and external federal, state, client and SOC audits.
  • Vendor-management responsibilities included more than 400 repossession agencies.

LoanMe | Chief Compliance Officer

  • Served as board-appointed Chief Compliance Officer for a multi-state consumer and commercial lender.

Capital One / Household / HSBC

  • Held leadership roles in audit, compliance controls, credit operations and asset recovery.
  • Led credit operations with more than 200 employees and reported significant cost-reduction initiatives.
  • Earlier asset-recovery work included launching charge-off collections and recovering more than $3 million.

XperiSource’s PROTECT discipline provides business, risk and compliance advisory services, not legal services or legal opinions.

TRANSFORM | Rick Haskell

Partner | Technology, Automation & AI

Rick brings more than three decades of experience at the intersection of consumer lending, technology, credit risk, analytics and operations. His background connects systems and automation to underwriting, servicing, collections, recovery and business performance.

Lobel Financial | Chief Risk Officer

Rick serves as Chief Risk Officer, bringing senior automotive-finance risk leadership to his extensive technology and operating background.

Lendisoft | Founder & CEO

As founder and CEO, Rick brings an entrepreneurial and lending-technology perspective to his experience as an operator and risk executive.

Crediauto Financial | COO & Chief Risk Officer

  • Held responsibility for company-wide operations, including originations, servicing, collections and asset recovery.
  • Led enterprise risk management, including credit-risk optimization through internally developed scorecard models and automated loan decisioning.

Consumer Portfolio Services | SVP, IT & Risk Management

  • Spent more than 23 years helping shape technology, risk and operating capabilities within subprime auto lending.
  • Managed systems and IT for approximately 10 years, including programming, infrastructure, call-center expansions and disaster recovery.
  • Helped establish internal scorecard-development capabilities using SAS and SPSS for originations and collections.
  • Played a leading role in proprietary automated loan decisioning, which grew from 0% to 100% over time.
  • Helped introduce score-based risk pricing and develop collections and recovery scorecard strategies.
  • Authored the company’s first comprehensive Disaster Recovery Plan.

Experience Working Together

XperiSource is more than a collection of individual resumes. Several of our partners have worked together inside operating businesses, creating shared experience and perspective on how growth, operations, compliance, risk and technology interact.

  • Louis Ochoa and Robert Caracciola worked together at LoanMe and Servicing Solutions.
  • Mike Trainor worked with Louis and Robert at Servicing Solutions.
  • Rick Haskell brings complementary expertise in technology, automation, analytics and risk to the four-discipline model.

Not a collection of consultants. A team of experienced executives built around complementary operating disciplines.

GROW. BUILD. PROTECT. TRANSFORM.

The result: SCALE.

Whether your challenge begins with growth, operations, risk or technology, XperiSource brings together experienced executive perspectives to define the problem, build the plan and support execution.

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