Mark R Pendleton

MARK R. PENDLETON 205 Rose Circle Clayton, GA 30525 M – -- CAREER SUMMARY Action-oriented business and marketing leader and consultant with over 25 years of B2B and B2C strategy development, marketing, business planning, innovation/product development, project management, sales process and lead generation experience. Proven success in go-to-market strategy and execution; pricing; product innovation and development; customer management; content strategy & development; CRM; SEO/SEM; PR; social media marketing; research and analysis; direct marketing; traditional offline advertising; telemarketing, and training. CONSULTING & ANALYTICS REFORMA SOLUTIONS INC (2013 – current) Clayton, GA Marketing & Innovation Consultant Consult with clients to identify their competitive strengths, to position their brands to win and to create innovative and differentiated offerings and go-to-market strategies that will sustain their competitive position, delight customers and drive revenue and profits. Assisted clients with: developing strategy for a new data, analytic and software SBU; implementing Salesforce.com; developing a customer marketing strategy and process for a large construction data company; redeveloping a quoting tool used in manufacturing; change of ownership and control; WOSB certification and SAM registration; building a mobile application for a new data accuracy product; developing and executing a content, social media and lead/customer nurturing strategy utilizing Hubspot. Clients include: Finastra, reFocus Analytics, Analytics IQ, Dodge Data & Analytics, Credit Precision, Evans Tool & Die and Evans Metal Stamping, L.L. Evans Company, and a non-profit. TRANSUNION (2013) Atlanta, GA Director, Decisioning Solutions – Consulting, Product Development & Go-To-Market Strategy Consulted with financial services, automotive, insurance and healthcare firms to design and deploy real-time marketing, risk and identity verification decision-making strategies across on-line/digital and off-line channels. Solutions accessed multiple marketing, credit and identity verification sources, applied analytical modeling and deployed business rules in a proprietary SaaS platform. Collaborated internally to develop new, innovative solutions utilizing data, analytics and decisioning technology. MARKETING, INNOVATION & LEAD GENERATION SUNTRUST BANK (2010 – 2012) Atlanta, GA Vice President, Strategic Marketing – Small Business Managed strategic marketing including brand positioning, new client acquisition, onboarding, CRM and retention marketing for SunTrust’s Business Banking (Small Business) line of business. Responsible for development and execution of integrated marketing and selling programs across traditional offline and digital channels, inbound telemarketing, 1,800 branch offices and 400 business bankers. Designed a fully integrated lead management process for SunTrust’s Wholesale Bank. Designed and deployed integrated lead management and sales management reporting used for business banker coaching, pipeline tracking and performance management. ENCORE MARKETING INTERNATIONAL (2009 - 2010) Washington, D.C. Vice President, Marketing Optimization Developed and executed online PR/Reputation Management strategy for subscription business, utilizing SEO and social media. Gained approval of $1 million budget. Achieved page one ranking within 9 months. Led corporate strategic planning designed to yield a $50 million (25%) increase in top line revenue in three years. Developed and launched 100-seat outsourced retention unit in India. Increased retention by 15% within 6 months. ATLANTICUS CORPORATION (1998 – 2007) Atlanta, GA Director, Customer Management (2006 – 2007) Worked with cross-functional team of marketing, risk and finance leaders to optimize a $5B consumer credit card portfolio. Directed all customer activation, utilization and retention activities for over 4MM customers. Increased activation rates by 20% within one year. Launched and ran a 120 seat offshore (Panama) retention unit. Increased account retention by 15% in 8 months. Managed a team of 6 marketing managers and a virtual, cross-functional team of 12. Director, Marketing (2002 – 2006) Led a cross LOB team of marketing leaders (credit cards, installment loans, prepaid cards and 450 branch retail network) tasked with creating an umbrella financial services brand and line of business. Developed television, radio and internet acquisition channels for the new brand and set-up and led an inbound telemarketing unit to capture acquisition responders, take applications, present offers and close sales. Managed marketing budget of $2.3 MM for development and launch of this initiative. Achieved an acceptable CPA within 6 months. New loan broker business unit created after successful launch and test marketing. Worked with leaders in risk and technology to build a new recovery product and business. U.S. patent issued for the product for which I am the inventor. Managed new customer acquisition marketing and a corresponding marketing budget of $6.0 MM. Developed and implemented payment promotions for early and late-stage delinquent accounts resulting in over $5MM incremental dollars collected and $35MM re-aged in 8 months. Director, Portfolio Management (1998 – 2002) Developed and executed plan to increase fee and finance charge income from existing customers in the near-prime consumer credit card portfolio. Managed staff of 4 responsible for segmentation, program development and execution. Conceived of and developed of a new credit line increase product resulting in an increase in fee income of over $2 million in 6 months. U.S. patent issued for a new credit card/credit counseling product for the sub-prime credit card segment for which I am the inventor. WOMBLE BOND DICKENSON (1992 – 1993) Winston-Salem, NC Marketing Director First marketing director for North Carolina’s largest law firm of over 400 attorneys. Developed and managed annual and quarterly marketing planning process across multiple practice groups and industry verticals. PRODUCT MANAGEMENT & BUSINESS PLANNING EQUIFAX (1996 – 1998) Atlanta, GA Assistant Vice President, Product Management (1997 – 1998) Led product development and management activities, including P&L, for decision technology, bankruptcy management, fraud detection and econometric forecasting product lines representing over $40 million in annual revenue. Led annual business/product planning process, integrating sales objectives, financial, marketplace and customer intelligence, and past results to identify and prioritize business opportunities. Director, Product Management (1996 – 1997) Led business/product planning, development and management activities for the leading consumer credit decision technology offering in the U.S. with $20 million in annual revenue. Grew revenue by 44% through more efficient market segmentation; by establishing a sales process; and improved product design and service delivery. STRATEGIC PLANNING, BUSINESS TRANSFORMATION & SALES CITIBANK/CITIGROUP (1993 – 1996) Miami, FL Vice President, Consumer Bank Strategy (1995 – 1996) Led 3-year strategic, annual and quarterly strategic and business planning for Citibank’s retail banking business in Florida. Directed development of plan to take the Florida franchise from break-even to $100 million NBT in four years. Gained U.S./Europe consumer banking executive approval of the plan and first year investment. Assistant Vice President, Consumer Bank Sales Operations (1993 – 1995) Developed and launched retail marketing and selling process utilized by all Citibank branches in Florida effecting 600 salespeople. Achieved an increase in the CAGR of 18% year-over-year through universe management and disciplined execution of the sales process. Successfully transferred marketing and selling process to all Citibank retail banking businesses across the U.S. and Europe. Provided business requirements for automating lead management for Citibank North America. Received bonus award from EVP of U.S./Europe. NCNB CORPORATION (currently BANK OF AMERICA) (1985 – 1990) Fayetteville, NC Banking Center Manager & Officer (1988 – 1990) Managed retail banking office with staff of 8 after completing Management Associate training program. Met all branch goals and lead city in cross-sell referrals to other bank subsidiaries. Grew consumer loan portfolio over 20% year-to-year. PATENTS US Patent 11/355,425 (2006) – A system and method for transferring credit card balances. US Patent- (2007) – A method for providing a combined credit card / credit counseling loyalty offering with proactive graduation to better terms and conditions when key milestones are reached by the customer. US Patent- (2010) – A system and method for providing a credit offering with a debt recovery feature. EDUCATION WAKE FOREST UNIVERSITY Winston-Salem, NC Master of Business Administration (MBA) – Full-Time, May 1992 Summer internship – Sumitomo Electric, Tokyo, Japan Graduated with academic distinction (top 10% of full-time class) - Class rank 1st Graduate Assistant, Dr. Charles Moyer, Professor of Finance UNIVERSITY OF NORTH CAROLINA at Chapel Hill Chapel Hill, NC Bachelor of Science in Business Administration, May 1988