2019 Awards Judging Panel
The panel of judges for the 2019 Credit & Collections Technology Awards is a gathering of extensive experience across credit, collections and insolvency and from the worlds of consumer and commercial.
Senior Policy Adviser, Finance and Leasing Association (FLA)
Faizan Haq is a Senior Policy Adviser at the Finance and Leasing Association (FLA). He has over 10 years of experience in the legal, consulting and financial services sectors.
After graduating from university with an Honours degree in Law, Haq spent some time working for a ‘Magic Circle’ law firm, and then for one of the ‘Big Four’ consulting firms. He later spent over 7 years at Lloyds Banking Group, with initial roles in the Credit Risk and Group Corporate Treasury teams. He was promoted within the ranks to join the Group Corporate Affairs function, where he created the bank’s digital-tracking tool for regulatory developments.
Haq’s work within Corporate Affairs led to a promotion to another role in the function, with the Group Public Affairs team. Here he implemented the bank’s external affairs strategy and regularly engaged with politicians in Westminster. His work helped to shape the bank’s approach to branch closures, which stemmed from a changing customer footprint and rapid digitalisation within financial services.
Haq later joined the Group’s Communications function where he led on strategies for the bank’s Commercial Banking arm. This involved working with the media, implementing new digital technologies and developing the bank’s strategy once it had returned from public to private ownership.
In his current role at the FLA, Haq advises member firms on mortgage regulation within the second charge market. As part of his role, he is seeking to increase awareness of technological advancements that are impacting the industry.
Chief Executive, Insolvency Practitioners Association (IPA)
Michelle Thorp was appointed CEO of the Insolvency Practitioner’s Association (IPA) in September 2018.
Thorp joined the IPA from the Department for International Trade where she was Digital, Data and Technology lead at the Department for International Trade and a major project leader for the Cabinet Office, strategic organisational change, often with a strong technology element. She has almost 20 years experience working with senior government departments working in many areas of policy, strategy, regulation and delivery.
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.
Chief Executive Officer, PayPlan
Rachel Duffey began her profession in the family business in 2000 as a newly-graduated Law student from the University of Leicester. Starting in the Helpline team, in the heart of the operation, Duffey gained first-hand knowledge of the clients that PayPlan helps with free debt advice.
With experience under her belt, Duffey went on to lead the department as Head of Advice and Support, where she gained invaluable insight into the world of debt management.
In 2007, Duffey sought a new challenge as PayPlan’s Partnerships Director. While excelling in her new role, Duffeyenhanced her skillset even further by completing her Master’s Degree in Business Administration from Nottingham University Business School in 2008.
After a further six years as Partnerships Director, Duffey was appointed into her current role as PayPlan’s CEO in 2014. Duffey now uses her wealth of knowledge and expertise to cement PayPlan’s position as one of the UK’s leading free debt advice providers.
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.
Head of Risk, Sky
Katy Barnes is Head of Risk at Sky. After studying a Masters in Analytical Credit Risk Management and spending five years as a Senior Scoring Analyst at EE, Barnes went on to grow her career in a number of Commercial positions, before being appointed Head of Risk for Sky Mobile.
Director, Investment Banking, Keefe, Bruyette & Woods
Steve Williams has 14 years’ experience as a corporate finance advisor. He works at Keefe, Bruyette & Woods, a financial services specialist investment bank, having previously been a Director in Deloitte’s corporate finance practice. He has advised businesses across the credit management industry for 10 years, advising on numerous high profile transactions involving major companies in debt purchase, debt collection and judicial services both in the UK and across Europe.
Williams continues to witness his clients’ development of compliant technology solutions as an increasingly fundamental requirement to maintain operational effectiveness, preserve creditor relationships and adapt to evolving customer trends.
Owner, Confident Cashflow
Nicki Kinton MCICM (Grad) is the owner and Director of Confident Cashflow 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.
Director, CVR Global LLP
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.
Clarkson has built 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.
Head of Model and Credit Risk governance, Metro Bank
Eleanor Demuth (Ned) is currently Head of Model and Credit Risk governance at Metro Bank. She has previously worked for Deloitte, NewDay, and Cabot Financial.
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.
Director, Kent Savers Credit Union and 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.
Head of Credit Card Analytics, Barclays UK
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.
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 Insight and Support , Lending Standards Board (LSB)
Anna Roughley joined the LSB in October 2016 as Head of Insight and Support offering a range of flexible, pragmatic and informal methods of support and guidance to firms and the provision of best practice ideas.
As a compliance professional with experience in financial services, debt recovery and legal services Roughley assists firms to implement customer-centric solutions and meet the Standards. Roughley has gained compliance and risk experience at HSBC in insurance, early arrears and collections and as Head of Risk and Compliance and Deputy Money Laundering Reporting Officer, for Wright Hassall LLP.
Using her knowledge of the regulations Roughley has implemented training platforms focussed on practical application and interpretation of the regulations, re-shaped and built compliance frameworks and governance structures.
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.
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.
Chair, Association of Credit Professionals (ACP)
Jennifer Lambden was appointed Chair for the Association of Credit Professionals (ACP) in 2014 following a career spanning over 15 years within credit management and debt recovery. Lambden 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.