Steve Cahalan is an experienced operations leader with a background in competitive intelligence, financial analysis, and process improvement. He has a proven track record of leveraging these skills to enhance sales, reduce expenses, and drive operational excellence. Currently a Regional Manager, he has doubled sales year-over-year and eliminated a $300k monthly loss. Cahalan is skilled in strategic analysis, cross-functional management, and exceeding performance goals across multiple managerial roles in the financial services industry.

1. Steve Cahalan
Steve.cahalan@yahoo.com
205-739-9870
BUSINESS LEADER IN OPERATIONS
A motivated professional who leverages leadership skills and a background in competitive intelligence, operations,
financial analysis and process improvement to enhance sales and development processes and reduce operating
expenses.
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. Performed monthly evaluations on direct
reports and also held quarterly business reviews with direct reports and SVP to analyze the operations and financials.
Strategist and Practitioner -- Versatile and innovative professional able to see the ‘big picture’ while orchestrating
detailed actions needed to improve day to day operations and achieve maximum results, while also performing
competitive intelligence to ensure business strategies are effective.
Financial Analysis - Experienced in reviewing monthly and yearly profit and loss statements to analyze
opportunities to improve performance, and also forecasting budgets and goals for market segments.
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
o Reviewed monthly and quarterly profit and loss statements to analyze region and district performance,
bottom line profit driven with focus on maximizing profit in each market segment, and consistently exceeded
company expectations.
o Perform competitive analysis within the markets, using consistent feedback from direct reports and hands on
research to stay on top of current competitors and emerging competitors.
o Builds competitive and market landscapes for company business plan and strategic initiatives.
o Perform monthly evaluations on direct reports performance and also held quarterly business reviews to
analyze the operations and financials for each market.
o Set budgets and goals for each market, forecasting sales, profit and total account growth

2. Steve Cahalan
Steve.cahalan@yahoo.com
205-739-9870
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
o Set budgets and goals for the market, forecasting sales, profit and total account growth
o Perform monthly evaluation on direct reports
o Perform competitive analysis within the market
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
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
Bachelor of Science Business Management, Auburn University, Auburn, AL
REFERENCES Available upon request.