2018 Awards Judging Panel
The panel of judges for the 2018 Credit & Collections Technology Awards is a gathering of extensive experience across credit and collections.
Director - Sales & Business Development, Cifas
Lee D’Arcy has over 20 years’ experience in, credit risk and fraud prevention and harnessing the power of data. He is responsible to the growth strategy working to increase memberships, geographies and data sets that enhance fraud detection. Before Joining Cifas Lee was Sales Director at EY in the Financial Services Division and previously with Dun & Bradstreet and Lloyds Banking Group.
Chief Executive, Civil Enforcement Association (CIVEA)
Russell Hamblin-Boone was appointed Chief Executive Officer of the Civil Enforcement Association (CIVEA) in January, representing around 2000 enforcement agents who collect civil debt on behalf of local authorities. For almost five years he was CEO of the Consumer Finance Association (CFA) and led reform of short-term lending practices during a period of intense political and media scrutiny. He has been described as doing more than anyone else to build the intellectual case for a high-cost, short-term credit market in the UK. For the second year running Hamblin-Boone was named in the Credit 500, as one of the fifty top influencers. He has also held senior positions at the Finance and Leasing Association (FLA) and the Energy Retail Association, now known as Energy UK, where he helped to set up the first trade association dedicated to energy suppliers. He has worked in Downing Street and as private secretary to the Leader of the House of Lords.
Head of National Creditor Services, Moore Stephens
Brendan Clarkson has over 20 years’ experience in the debt, insolvency and credit management sectors. He specialises in both non-court and court insolvency work.
He builds close relationships with solicitors, other professionals, banks and client companies in order to understand their debt management needs. He has also developed good working relationships with government organisations. He appreciates the range of debt recovery options available to organisations, and works hard to ensure their best interests are served.
Clarkson has regular contact with the credit management profession through his involvement in credit circles across the UK. He has served as chair of Surrey and Sussex CICM and is heavily involved with the institute.
Steven Preston has experience in working in the collections and recoveries industries, having worked in the industry, consulted as a data vendor and being an advisor to the industry.
Preston is Co-Owner of Elanev an automating real-time cloud-based scoring to the ARM / financial industries. He was Awarded in the top 200 most influential collections professionals in the US Collections Technology Advisor magazine. Preston is also the Credit Services Association (CSA) technical advisor on technology, analytics and change.
Independent Risk Consultant
Eleanor Demuth has been a Senior Manager with the Risk Advisory arm of Deloitte and is now contracting independently. Shehas previously worked for Cabot Financial and for SAV Credit (now NewDay). Eleanor specialises in Credit risk, Collections and Recoveries.
Recently her work has included the target operating model design and implementation within the collections area of an international bank across the Latin America region. I have been involved with RFP processes for UK banks, building societies, and debt recovery companies in the UK wanting to upgrade or source new collections technology.
Demuth is passionate about the application of analytics and technology within credit and collections. While there will always be a place for human intervention the choice of that intervention, the consistency of services and the capacity for rapid and continuous improvement are dramatically enhanced by smart use of technological solutions.
Independent Consultant, Consumer credit sector
Kathy Cox joined the UK consumer credit sector in 1998 with a rating agency/ data & technology background. After time with Cabot Financial and Tessera, she joined a team to form Capquest in 2004 from where she continued to grow the UK debt purchase industry. Capquest was sold to private equity in 2011 and to Arrow Global plc in 2014; she continued to focus on generating opportunities into Arrow UK’s newly integrated business, until she stepped down in July 2017. She has acquired portfolios with more than 3 million customer accounts. Her belief is in migrating accounts professionally, ensuring the integrity of handover and preserving customer experience. She has had broad exposure to systems and technology in collections, recoveries, data management & sourcing, voice and dialler arenas. Cox has worked closely with the 3 Credit Reference Agencies (CRAs), and served on various governing committees, working parties or boards such as Credit Services Association, SCOR and others.
Owner, NK Credit Consultancy
Nicki Kinton MCICM (Grad) is the owner and Director of NK Credit Consultancy Ltd providing credit management and collections services to SMEs. She has nearly 30 years’ credit risk and collections experience primarily within Financial Services but more latterly across a wide range of industries.
In her corporate roles, Kinton was involved in the development, testing and roll out of a number of bespoke technology solutions for both trade and consumer credit and believes that technology plays an essential role in helping small businesses to manage risk.
Kinton is currently collaborating with The Prompt Payment Directory, providing guidance to businesses on the management of late payment.
Chair, Association of Credit Professionals
Jennifer Lambden was appointed Chair for the Association of Credit Professionals in 2014 following a career spanning over 15 years within credit management and debt recovery. Jennifer joined the board of the ACP in 2012 before being elected Chair in 2014. The ACP was formed in 2006 by like-minded Credit Professionals intent on raising the profile of the Credit Industry and each and every Credit Professional who join us as members. The ACP is an essential source of support for all those involved in the granting, collection and management of Credit and/or debt within the UK and Ireland.
Lambden was a finalist in the 2015 North West Finance Awards. She has also had articles published and is a recognised leader within her field. Lambden now works as a Consultant, coach and mentor using her expertise to assist business’ to streamline their processes and departments to ensure that their credit management team receive the support and training they need to manage the cash flow of the business. Her passion is mentoring other credit professionals on their career journey.
Chief Executive Officer, The Money Advice Liaison Group
Bob Winnington has a strong focus on the role of technology in the future of money advice and this featured strongly at MALG’s annual Conference held in November 2017. He is familiar with the current money advice landscape and the challenges to think beyond the next five years to the longer term. He is keen to work with all those involved in the money advice and personal debt arena to collaborate on ‘game-changing’ solutions that don’t just meet the immediate needs of consumers today but address the long-term eradication of problem debt through the proactive and meaningful use of inclusive technology.
Head of Learning and Development at Credit Services Association (CSA)
Fiona Macaskill has more than 30 years’ experience in Learning and Organisation Development. She has had senior operational and business development management positions managing training and education for clients in both the private and public sector. Fiona’s diverse industry experience encompasses Financial Services, Gaming, Manufacturing, Government and Health.
Appointed as Head of Learning and Development for the Credit Services Association (CSA) in January 2015, Macaskill is responsible for further developing the Association’s Learning and Education programmes. She leads the professional development pathways designed to support established professional and those new to the industry as well as promoting and sharing best practice in learning and development across the industry. Key focus for the learning and development department this year includes – the development of a brand new online learning product to provide regular and up to date compliance learning to desktops; supporting members with the implementation of the Government’s new Apprenticeship policy including understanding of the Levy and the development of brand new Apprenticeship standards for the industry
Head of Policy, Consumer Finance Association (CFA)
Helen McCarthy has more than 20 years’ experience in the public policy arena. She started her career as a civil servant in the Department of Work and Pensions before moving to HM Treasury. Since leaving the civil service Helen has held senior positions in a large financial services trade association and major financial services companies. Most recently, she has been a senior policy researcher at Citizens Advice. McCarthy joined the Consumer Finance Association (CFA) as Head of Policy in January 2014.
Operations Manager, Places for People
Victoria Drummond is an FPC & CeMap qualified Operations Manager with 20 years’ experience in the mortgage and credit industry with a strong focus on alternative credit.
Drummond was responsible for restructuring her personal lending team’s operating model through implementation of an online end to end lending proposal which revolutionised their affordable credit application process – increasing sales by 136% in the first year and more than halving turnaround times without significant increase in headcount. Her team won the 2016 f5 judges’ award for social lending
Drummond holds The Chartered Institute for IT BCS qualification in Business Analysis, she is a keen follower of fintech news and believes that a good understanding of systems as well as subject matter expertise is needed to develop a modern financial services business.
Aleks Tomczyk was founder and CEO of Arum, a leading credit management, collections and recoveries consultancy. He now provides advice and support to the new team following its sale to new investors in late 2017.
Tomczyk has worked within the industry for 17 years, including leading successful large business and technology transformation programmes for banks and utilities. In recent years, his focus has been on assisting Arum’s teams in developing target operating models, selecting technology products and delivering major change projects.
He has extensive experience in technology innovation, including establishing a technology-focused corporate venturing initiative for a FTSE100 company, overseeing bespoke software developments, and owning platform delivery for a high-profile Edinburgh ‘dotcom’.
Tomczyk has previously judged and chaired the judging panel of many awards in the credit management space.
Chair, Civil Court Users Association
Amir Ali has worked in Private Practice for 21 years for a number of leading firms of Solicitors who specialised in Debt Recovery & Insolvency at senior management level. He was also Head of Litigation for a Midlands based National Leasing Plc.
Ali was invited to join the High Court Enforcement Officers Association (formally known as the High Court Sheriff`s Association) firstly at John Marston & Co (now Marston Group) where he was Client Relationship Manager for over three years before taking up his current role as Director of Client Services and Business Development at High Court Enforcement Group. He has over 32 years’ experience in both the Legal and Enforcement Sectors.
Ali was elected to the post of Vice Chairman of the CCUA (Civil Court Users Association) in September 2009, (Acting Chairman from February 2015 to October 2015) and also serves as Chairman of the Events Steering Committees. The Association is charged with airing and addressing the concerns of all Civil Court Users in England and Wales at the very highest levels of Government, MOJ, and Her Majesty’s Court & Tribunal Service (HMCTS) to include all other Stakeholders concerned with Policy Change in the Civil Realm. Amir is currently Chairman of the CCUA, a position he was elected to at the CCUA AGM in October 2015.
In addition, Ali sits on the Law Advisory Board at Wolverhampton University.
Damian Hales is a Partner at Deloitte, within the Risk and Regulation practise and has over 23 years experience in the financial sector and specialises in Credit Risk Management across the full credit lifecycle (from origination to collections and recoveries). Hales leads Deloitte’s Credit Risk Transformation practise across North West Europe, where he has supported numerous financial institutions across different countries and asset classes through the use of new technology, artificial intelligence, big data and operating model changes.
Collections & Recoveries Head, IDFinance
Marco Silva is a seasoned International Operations Leader with a specialisation in credit & collections for both Consumer and Commercial markets. With a strong background in consultancy and project management experience and a track record of leading, optimising, centralising and developing banking operations and technology across the EMEA region.
Marcos is an experienced leader in creating and developing best in class teams and was responsible for the creation of a Center of Excellence in Barcelona where he assembled a high performing multi-cultural and diverse pool of talent and migrated and centralised 4 key support functions (workforce management, inbound and outbound dialers strategy, business planning and analysis, strategy systems definition and maintenance) from across 20 plus countries in Europe, Middle-East and Africa. Marco’s vision and mission was to guarantee flexibility of operations, cost-saving initiatives, increase and expand domain expertise, processes, procedures and control standardisation and optimisation of technology, process as well as human capital development.
Marco has managed start-ups, acquisitions, on & off-shore migrations and transitions of functions in complex regulatory environments.
Marco is also a certified facilitator of the Citibank Global Credit and Collections Management Certification Program.
Owner, Coverdale Debt Recovery Solutions
Bryan Coverdale has held senior roles within major financial institutions (including Head of Recoveries at Standard Chartered Bank, Head of Collections EMEA at American Express, Head of Collections at JAPA American Express, Senior Manager Collections at Lloyds TSB). He is now consulting with his own company, Coverdale Debt Recovery Solutions, focusing on later stage collections and recoveries.
Bryan has worked across multiple countries and regions of the world — his last role with Standard Chartered Bank, based out of Singapore, was Global and encompassed 31 countries covering all products ranging from Mortgages, Secured / unsecured Loans, Credit Cards and Auto finance. His specialisation for the last 35 years has been in late Collections & Recoveries and in all his roles the key deliverables have included driving results, reducing Operational Risk, implementing best practise MIS, implementing new tools and processes whilst at the same time embedding the principles of treating customers fairly in all countries.
The use of new or evolving technology has been intrinsic in all his roles and he has implemented and or utilised new technology (including customer based collection and recovery systems, contact centre solutions, legal case management systems and document storage) in order to achieve the deliverables.
Head of Regulatory Compliance and Standards, Credit Services Association (CSA)
Claire Aynsley joined the Credit Services Association (CSA) over 14 years ago as PA to the Executive Director and was one of only two employees. She has since played a vital role in the progression and growth of the Association and now heads up the compliance and membership departments, and leads on a number of working parties, including public affairs. Alongside the team at CSA Head Office, their efforts to clarify the many complex compliance issues and take forward new initiatives to promote best practice is highly commended by members and stakeholders.
Aynsley’s dedication and passion for the Industry have greatly enhanced the status of the Association, forging strong relationships with regulatory bodies and other industry stakeholders to ensure the CSA is at the forefront of any regulatory and legislative changes.
During her lengthy time with the CSA, Aynsley has seen vast changes within the industry, from improvements in practices and standards through to the fast-paced developments in innovation and technology which have aided, and continue to greatly enhance, the sector.