Leadership Team

Prior to founding PRC, Mr. Mills was Vice President, Headquarters Marketing, for Capital Associates Portfolio Company. He has held marketing and management positions with Capital Associates International and Beverly Hills Savings. He is a graduate of Harvard University and holds a degree in Finance from the London School of Economics.

Mr. Koichi Yashima serves on PRC’s Board of Directors, helping guide the company’s strategic direction and growth in coordination with Fuyo Lease, PRC’s strategic partner. He oversees initiatives including fundraising and securitization, drawing on his capital markets expertise. Prior to PRC, he was an executive officer at Fuyo Lease and spent 28 years at a Japanese bank, with international assignments in Chicago, Madrid, and Shanghai. He holds a Bachelor of Arts from Osaka University of Foreign Studies and an MBA from the University of Chicago Booth School of Business.

Mr. Delgadillo is a Board Member of PRC. Mr. Delgadillo has more than 30 years of experience in litigation, economic development transactions, and government law and public policy. He holds an A.B. from Harvard University and J.D. from Columbia University School of Law.

Mr. Emmons is responsible for finance, accounting, financial operations, and IT. Prior to PRC, Mr. Emmons led the finance, accounting and underwriting teams for a national semi-trailer dealership chain and held positions as the Sr. Director, Business Intelligence for a multi-billion dollar real estate development company, and the Sr. Director, Global Finance & Accounting for Agendia, Inc. Mr. Emmons is an active licensed CPA and holds a BS in Accounting from USC and an MBA from the University of California, Irvine.

Mr. Zepfel is responsible for overseeing all operational functions at PRC, including Account Management, Lease Admin, Accounts Receivable, Booking, Legal, and Portfolio Specialists. Before joining PRC, Mr. Zepfel held notable leadership positions at loanDepot, AAG, Bank of America, AXA Equitable, and Wells Fargo. He holds a BA in International Relations/Business from USC and an MBA from the University of California, Irvine.

Mr. Chase is responsible for all legal and compliance matters. In addition, he leads business development to expand revenue opportunities. Prior to joining the PRC team, he worked in various leadership roles at Keller Williams Realty, Inc., driving global expansion to more than 50 countries. He received his J.D. from UNLV Law School and his MBA from the BYU Marriott School of Business.

Mr. Budnick is responsible for managing the sales force and actively helping service PRC’s major account relationships. Previously he was an Account Executive with PRC and has held regional management positions in the food and beverage industry. He is a graduate of Michigan State University with a degree in Business Administration.

Mrs. Williams is responsible for driving organizational development, employee experience, and HR strategies to enhance business growth and employee engagement. With 17 years of experience in human resources and executive leadership, she has a strong background in financial services, specializing in talent management, leadership development, and DEIB initiatives. Mrs. Williams holds an M.S. in Industrial-Organizational Psychology from Vanguard University and is passionate about empowering leaders and teams through a people-first approach.

Mrs. Katz leads the strategic growth and development of PRC’s marketing organization, designed to amplify the company’s impact across the full asset lifecycle — aligning teams around capital, data intelligence, and operational excellence. Before joining PRC, she served as Vice President and Head of Marketing for a leading end-to-end SaaS provider in residential construction and held an executive role at a full-service digital agency, bridging in-house and agency leadership with deep expertise in B2B marketing. Mrs. Katz earned a Bachelor’s degree in Business Administration with a concentration in Marketing from California State University, Fullerton.

Mr. Yoshihara is responsible for supporting and developing finance operations at PRC, while also serving as a key intermediary to ensure smooth coordination between PRC and Fuyo. Prior to joining PRC, he was Deputy General Manager at Fuyo, where he led foreign investment initiatives through M&A and PMI. He is a graduate of Kwansei Gakuin University with a degree in Humanities.

Prior to joining PRC in 2011 as a Portfolio Specialist, Mr. Tilley managed a family-owned business. Today, Mr. Tilley is responsible for leading the pricing, portfolio management, and remarketing teams. He is a graduate of the University of California, Irvine and received a degree in Business Economics.

Mr. Do oversees all aspects of Technology and Fintech transformation. Prior to joining the PRC team, he held prominent IT leadership roles at Adobe and Experian. He holds a BS in Computer Engineering from North Carolina State University and an MBA from CUI, Irvine, CA. He is a Certified Information Security Manager (CISM), Cisco Certified Network Associate (CCNA) and Project Management Professional (PMP).

Mrs. Merchant is responsible for developing and implementing customer experience strategies that drive retention and growth, establishing a customer-centric culture across the organization. Prior to joining PRC, Mrs. Merchant held customer experience leadership roles in investment management, lending, and tech industries. She is a certified Six-Sigma Black Belt and received a Bachelor’s degree in Psychology from Tulane University and an MBA from the Quantic School of Business and Technology.

Mrs. Moratalla oversees accounting and financial reporting at PRC. Before joining PRC, she served as Vice President of Internal Audits at Impact Mortgage, where she led the internal audit department. With extensive experience in internal and external audits across various industries, she is a licensed CPA, CIA, and CFE. Mrs. Moratalla holds a degree in Accountancy from the University of Santo Tomas.

Mr. Kassa oversees all Capital Markets functions at PRC, including ABS Securitizations, Private Placements, ABS Warehousing, and Credit. With over 20 years of experience in the financial services industry, Mr. Kassa previously served as VP of Finance at loanDepot, managing Portfolio Management and ABS, and held VP roles in MBS Portfolio Management at U.S. Bank and Bank of America. He is a graduate of Bob Jones University in South Carolina and holds a Master of Business Administration degree.

Mrs. Gomez serves as the Director of Operations at PRC, where she oversees the Vendor Management and Lease Administration teams. With over 25 years in financial services, Mrs. Gomez excels in operations management, process improvement, and leadership. She has held key roles at Newrez LLC and Bank of America, where she optimized processes, enhanced efficiency, and drove service improvements. Her specialized training and commitment to professional growth have established her as a respected industry leader.

Mrs. Temes is responsible for overseeing the Portfolio department, focusing on maximizing end-of-lease profitability. With 18 years of experience in the leasing industry, 14 of which were spent at First Financial Equipment Leasing, she has developed extensive expertise in asset management and lease optimization. Mrs. Temes earned a degree in Business with a concentration in Finance from California State University, Fullerton.

Mr. Mendez is responsible for ensuring the integrity of the company’s financial reporting, leading the accounting and tax teams, and providing key financial insights to senior leadership. Prior to joining PRC, he led accounting and tax teams for a nationwide semi-trailer dealership network and held key accounting roles in the tech, IoT and telematics, and utility management sectors. He holds a degree in Finance from California State University, Fullerton.

As Finance Director at PRC, Mr. Chang oversees managerial reporting, budgeting, and key financial operations to support the organization’s strategic goals. He brings strong financial acumen from his experience at PricewaterhouseCoopers and Sony Columbia Pictures. Mr. Chang graduated from USC Leventhal Accounting School with a degree in Accounting and holds a CPA designation (currently inactive).

Mrs. Worth oversees the daily operations of Human Resources, cultivating a people-first culture that reflects the company’s core values. With more than a decade of HR experience, she brings a forward-thinking approach to employee engagement—championing innovative strategies that strengthen team cohesion and enhance the workplace experience. She earned her bachelor’s degree in Studio Art from the University of California, Irvine, and holds a SHRM-CP certification from the Society for Human Resource Management.