Bill Elizondo, NIADA Senior 20 Group Moderator, Trainer, and Consultant. Bill has spent over 31 years training and leading high-achieving sales teams, collections and operations in the subprime and BHPH markets, including highly successful tenures with Car Financial, the nation’s largest publicly traded BHPH organization, America’s Car-Mart, and Superior Auto. Bill’s leadership and expert understanding of every BHPH discipline significantly improved operational performance at every stop along the way.