MANAGING PARTNER | EXECUTIVE ADVISORY & OPERATIONS

Louis Ochoa

Louis Ochoa Building Stronger Businesses. Turning Strategy Into Execution.

Operator. Builder. Strategic Advisor.

Louis Ochoa is a financial-services executive and operating leader with more than 35 years of experience building, transforming and scaling businesses across consumer finance, automotive finance, loan servicing, banking and financial technology. As Managing Partner of XperiSource, Louis works directly with owners, CEOs, boards, investors and management teams to turn strategy into operating capability and measurable results.

1. Build the Business

Growth creates opportunity, but it also exposes weaknesses. Processes that worked at one level of volume begin to break. Technology becomes a constraint. Costs increase and controls struggle to keep pace. Louis focuses on building the people, processes, technology, performance management, servicing infrastructure and leadership required to convert opportunity into sustainable business performance.

2. An Operator, Not an Outside Observer

Louis's perspective comes from having been accountable for results. As President and CEO of Servicing Solutions, he led a national loan-servicing platform supporting more than $4 billion in serviced assets. At LoanMe, he served as CEO during a period when the company originated more than $1 billion in loans. At CashCall, he led a multi-site servicing organization of more than 650 employees. Earlier at Household Automotive Finance / HSBC Auto, he led asset recovery functions supporting an approximately $7 billion automotive loan portfolio.

3. Building Organizations That Can Scale

Louis has extensive experience building new operating capabilities from the ground up. In a strategic advisory engagement with You Drive Auto, he helped build and scale a Mexico City servicing and contact-center operation to more than 150 employees in approximately 15 months. The work included management structure, supervisory organization, training, operating processes, quality controls and supporting infrastructure. His approach emphasizes clear accountability, capable leaders and operating disciplines that continue to work as volume grows.

4. Where Louis Adds Value

Executive advisory and fractional COO leadership; operational transformation and turnaround; loan origination and servicing; collections and recovery; technology selection and automation; organizational design and leadership development; domestic and nearshore operating models; performance management; and growth readiness. Louis works with leadership teams to identify operational constraints, strengthen execution and build the infrastructure required for sustainable scale.

5. Strategy Through Execution

Louis believes strategy has limited value if the organization cannot execute it. His advisory work frequently extends beyond recommendations into implementation, whether that means redesigning an operating model, building a management team, selecting technology, establishing a nearshore operation or working alongside leadership through a transformation. His operating philosophy is straightforward: build teams that know the fundamentals, execute consistently, maintain quality and never lose sight of accountability.

Summary

In summary, we are well-prepared and capable to swiftly step in as a successor servicer when specific financial triggers or covenant breaches occur. We possess the operational capacity, compliance knowledge, experience in transition management, clear communication, risk management strategies, technological capabilities, and a focus on service continuity to effectively assume loan servicing responsibilities and minimize disruptions for all stakeholders involved.