Board Of Directors

Board Of Directors

(click on name to view bio)

Matthew Appel

Former Chief Financial Officer and Chief Administrative Officer, Zale Corporation
Director since January 2015
Lead Independent Director
Audit Committee Chair
Nominating Committee Chair

Mr. Appel spent 37 years in finance, administration and operations roles with a variety of companies, most recently at Zale Corporation, a NYSE listed jewelry retailer, where he served as Chief Financial Officer from May 2009 to May 2011 and Chief Administrative Officer from May 2011 to July 2014 and co-led the successful turnaround of the company.

Prior to joining Zale, Mr. Appel was Chief Financial Officer of EXL Service Holdings, Inc., a NASDAQ listed business process solutions company (February 2007 to May 2009); spent four years (February 2003 to February 2007) at Electronic Data Systems Corporation, serving as Vice President, Finance and Administration BPO and Vice President, BPO Management; and held a variety of finance and operations roles from 1984 to 2003 at Tenneco Inc., Affiliated Computer Services, Inc. and PricewaterhouseCoopers. Mr. Appel began his professional career with Arthur Andersen & Company, working there from 1977 to 1984.

Mr. Appel received an MBA in Accounting from the Rutgers University Graduate School of Business in 1977 and a Business Administration degree from Rutgers College in 1976. Mr. Appel is a Certified Public Accountant and a Certified Management Accountant.

Zena Srivatsa Arnold

Global Head of Growth for Chromebooks, Google
Director since May 2019
Nominating Committee

Ms. Arnold has over 15 years of experience in marketing, brand management, strategy development and business operations.  She has spent almost six years with Google, currently serving as Global Head of Growth for Chromebooks.  Her previous roles at Google have included General Manager, US Chromebooks (March 2018 to May 2019), Global Head of Marketing, Chromebooks and IoT (November 2016 to March 2018), Head of Americas Marketing, Google Play (April 2015 to October 2016) and Head of NA Marketing, Google Play (October 2013 to April 2015).  Prior to joining Google, she spent over nine years in various brand management positions with Kellogg Company (August 2010 to October 2013) and Procter & Gamble (April 2004 to August 2010).  Ms. Arnold began her professional career at General Electric Corporation, where she served as Product Manager, Server Solutions for GE Capital IT Solutions (April 2002 to April 2004).

Ms. Arnold received a Bachelor of Science degree in Computer Science, with a minor in Business Marketing, from The Ohio State University.  She was recognized in 2014 as one of Brand Innovators “40 Under 40,” and has received numerous other professional awards and recognitions.

Philip E. Cohen

Executive Chairman of the Board, EZCORP, Inc.

Mr. Cohen has been a member of the Board of Directors and the Executive Chairman since September 2019. He has been an owner of, and advisor to, the Company for 30 years. He acquired the Company in 1989 and took it public in 1991 with an initial public offering of Class A Non-Voting Common Stock. Mr. Cohen has over 40 years of investment banking and financial advisory experience with a variety of firms, including Kuhn Loeb & Co. Incorporated (1973-1977), Lehman Brothers Kuhn Loeb Incorporated (1977-1979), The First Boston Corporation (1980), Oppenheimer & Co, Inc. (1980-1984), Morgan Schiff & Co., Inc. (1984-Present) and Madison Park LLC (2004 to Present). Mr. Cohen received a Bachelor of Commerce degree from the University of Melbourne and a Masters of Business Administration from Harvard University. Mr. Cohen is the sole stockholder of MS Pawn Corporation, which is the general partner of MS Pawn Limited Partnership, the owner of 100% of the outstanding shares of our Class B Voting Common Stock.

Jason A. Kulas

Chief Executive Officer, EZCORP, Inc.

Jason was named to EZCORP’s Board of Directors in April 2019, where he also was on the Audit and Nominating Committees. He resigned his board post in February 2020 to take the role of EZCORP President and Chief Financial Officer. He was named Chief Executive Officer in July 2020.

Jason spent more than 25 years in financial analysis, investment banking and executive-level finance and operations roles with a variety of companies, most recently Santander Consumer USA Inc., a NYSE-listed auto finance company, where he served as Chief Executive Officer and a director from 2015 to 2017, President from 2013 to 2015 and Chief Financial Officer from 2007 to 2015. Prior to joining Santander Consumer USA, Jason was a Managing Director in Investment Banking with J.P. Morgan Chase & Co. (1995 to 2007), where he managed JPMorgan’s South Region investment banking office.

Jason has also served as an Adjunct Professor of Marketing at Texas Christian University (1997 to 1999); Securities Analyst at William C. Connor Foundation — TCU Educational Investment Fund (1994 to 1995); and Financial Analyst at Dun & Bradstreet (1993 to 1995).

Jason received an MBA with a concentration in Finance and Marketing from Texas Christian University in 1995, and a Bachelor of Arts degree from Southern Methodist University in 1993. He has been involved in a variety of civic and philanthropic activities, including the Dallas Citizens Council, Salesmanship Club of Dallas, Exchange Club of East Dallas, Baylor Health Care System Foundation and Art House Dallas.

Pablo Lagos Espinosa

Former President and Chief Executive Officer, Pepsi Bottling Group Mexico
Director since October 2010
Compensation Committee Chair

During his 30-year career, he has held various executive management positions concentrating exclusively in Latin America. Most recently Mr. Lagos served as President and Chief Executive Officer and as Chief Operating Officer for Pepsi Bottling Group Mexico. Prior to joining Pepsi Bottling Group, Inc., he held a variety of senior executive positions with PepsiCo Inc., where he ran multi-country and multi-regional operations in Mexico, Central America, and South America.

Since his retirement in 2008, Mr. Lagos has been engaged as an investor and consultant in various private business ventures. He currently serves as Chairman of the Board and Executive President for the Mexican subsidiary of Areas, and as Chairman of the Board of Residencial Puente de Piedra.

Gary L. Tillett

Former Executive Vice President and Chief Financial Officer, Walter Investment Management Corp. (now Ditech Holding Corporation), and retired partner, Pricewaterhouse Coopers
Director since April 2019
Audit Committee

Mr. Tillett has more than 35 years of experience in public accounting and business management.  He spent 31 years at PricewaterhouseCoopers, where he progressed from entry-level staff to senior partner serving a variety of businesses in the Insurance Practice, the Transaction Services Practice and the U.S. Financial Services Practice.  From 2005 to 2010, he was the Transactions Services Leader of the firm’s U.S. Financial Services Practice, leading a newly assembled team of professionals providing service to clients pursuing transactions in the financial services sector.  At the time of his retirement from PwC in 2014, he was the Transaction Services Leader of the firm’s New York Metro Practice, where he led teams advising clients on complex transactions, including structuring, due diligence, valuation and financial reporting.

Mr. Tillett left PwC in 2014 to take the role of Executive Vice President and Chief Financial Officer of Walter Investment Management Corp. (now Ditech Holding Corporation), a publicly traded independent originator and servicer of residential mortgage loans.  Ditech initiated Chapter 11 bankruptcy proceedings in November 2017.  Mr. Tillett retired from his position with Ditech in February 2018 after assisting with the development and execution of the company’s financial restructuring plan.

Mr. Tillett received an MBA from the Manchester Business School at the University of Manchester and a Bachelor of Science degree with an emphasis in Accounting from the University of Texas at Dallas.  He is a Certified Public Accountant.