Welcome to the 2025 Industry Leaders List
The Industry Leaders list recognises and champions leaders who contribute to positive industry change and are making a measurable difference in their field. They have been identified as influencing the future of credit and collections. The list is compiled upon a set of pre-qualifying criteria, which is then ratified by industry associations that form part of the list’s advisory panel: CICM, CIVEA, CCTA, CCUA and the Registry Trust.
The list starts with the Credit Connect team collating information about senior individuals in the credit and collections industry throughout the year which is based on the following criteria: Representation in industry news (setting new agendas and industry change) and engagement with the media, Senior responsibility and oversight for influencing industry enhancement and change, Visually seen to be attending and/or supporting industry events, Presenting thought leadership topics and Industry recognition at association events.
Here is a list of the 2025 Industry Leaders:
Regulation and Associations
- Alan J Smith, Chair – High Court Enforcement Officers Association (HCEOA)
- Bob Winnington, Chief Executive Officer – Money Advice Liasion Group (MALG)
- Chris Dick, Director of Operations – Registry Trust
- Chris Leslie, Chief Executive Officer – Credit Services Association (CSA)
- Emma Lovell. Chief Executive Officer – Lending Standards Board
- Eric Leenders, Managing Director, Personal Finance and Prudential, Reporting and Taxation – UK Finance
- Faizan Haq, Head of Policy – Finance & Leasing Association (FLA)
- Jason Wassell, Chief Executive Officer – Consumer Credit Trade Association (CCTA)
- Kevin Still, Director – DEMSA
- Mark Courtney, Chief Product Officer – Cifas
- Mick McAteer, Chair – Registry Trust
- Russell Hamblin-Boone, Chief Executive Officer – Civil Enforcement Association (CIVEA)
- Sheldon Mills, Executive Director – Financial Conduct Authority (FCA)
- Sue Chapple, Chief Executive Officer, Chartered Institute of Credit Managers (CICM)
Lending & Credit
- Adam Freeman, Chief Executive Officer – Mr Lender
- Andrew Marsh, Chief Executive Officer – Marsh Finance
- Chris Gillespie, Chief Executive Officer – H&T
- Eleanor Demuth, Head of Risk – JaJa Finance
- Emma Steeley, Chief Executive Officer – Aro
- Elizabeth Reed, Executive Director, Head of Credit Strategy – Chase
- Erik Porter, Chief Risk Officer – Wagestream
- Geoff Schwarz, Director – Mutual Clothing and Supply Co
- Ian McLaughlin, Chief Executive Officer – Vanquis Bank
- Jenny Rothwell, Chief Operating Officer – Unity Auto Finance
- John Hughes, Managing Director – Mann Island
- Jono Gillespie, Chief Executive Officer – Evlo
- Jorge Bronze, Head of Business Credit Risk Insight & Innovation – Virgin Money
- Kate Pender, Chief Executive Officer – Fair4All Finance
- Mag Charles, Head of Digital – NewDay
- Mark Fiander, Group Chief Executive Officer – Gain Credit
- Matt Cochrane, Chief Operating Officer – Fairlo
- Mike Deans, Managing Director – Borderway Finance
- Naveed Asif, Head of Policy & Advice – Consumer Credit Trade Association (CCTA)
- Neil Kadagathur, Chief Executive Officer – Creditspring
- Niall Jamieson, Credit Risk Director – Paragon
- Peter Kenyon, Chief Executive Officer – Ramsdens
- Phil Heighes, Group Operations Director – Etika
- Richard Hoggart, Group Chief Executive Officer – DSG Finance Group
- Rob Adams, Collections and Recoveries Lead – Klarna
- Sheraz Afzal, Legal, Risk and Compliance Director – Quint Group
- Shiona Crichton, Chief Executive Officer – Moneyline
- Simon Bayley, Managing Director – Specialist Motor Finance
- Simon Dukes, Chief Executive Officer – Fair for You and Fair Credit Charity
- Stefan Hodgson – Credit Risk Manager, Next
- Tim Rooney, Chief Executive Officer -Salad Money
- Tobias Gruber, Chief Executive Officer -Amplifi Capital
Vulnerability
- Chris Fitch, Vulnerability Lead – Money Advice Trust
- Dominic Maxwell, Co-Founder and Director -TellJo
- Emma Gibbons, Vulnerability Lead – PayPlan
- Lee Healey, Chief Executive Officer – IncomeMax
- Richard Lane, Chief Client Officer -StepChange
- Sebrina McCullough, Director of External Affairs – Money Wellness
- Steve Vaid, Chief Executive Officer -Money Advice Trust
- Vanessa Northam, Partnership Director – StepChange
Consumer Collections
- Ajay Mitha, Senior Mortgage Administrator – Interbridge
- Allan Strachan, Senior Operations and Collections Manager – BNP Paribas
- Ash Freestone, Head of Payments and Collections – So Energy
- Asif Nadeem, Chief Transformation Officer – Everyday Lending
- Caroline Grant, Chief Executive Officer – Past Due Credit
- Caroline Mills, Chief Operations Officer – Onmo
- Charlotte Manley, Senior Manager of Collections – EDF
- Chris Jackson, Head of Collections & Recoveries – Starling Bank
- Chris Laverick, Customer Journey Manager – (Manage My Debt) NatWest
- Claire Aynsley, Head of Membership & Compliance – Credit Services Association (CSA)
- Craig Hinchcliffe, Chief Executive Officer – Perch Group
- Craig Walker, Head of Collections – Zopa
- Daniel Calcott, Chief Executive Officer – The Digital DRA
- Danielle Duke, Head of Credit Management – Utilita
- Darren Latter, Premium Finance Manager – First Central Insurance Management
- David Murphy, Director of Contracts & Public Sector Support – Sigma
- Dougie McManus, Chief Executive Officer – The Zinc Group
- Eddie Harrison, Senior Collections Manager – Revolut
- Elliott James, Debt Policy and Strategy Lead for the Government Debt Management Function – HM Treasury
- Emma Winter, Debt Sale and Unsecured Journey Developer – NatWest
- Gary Grey, Head Debt Information & Risk – Ecotricity
- Gary Moffat, Customer Operations Manager – British Gas
- Gemma Baker, Partner, Head of Financial Recovery Operations – Wright Hassall
- Graham Rankin, Chief Executive Officer – BPO Collections
- Jaime Nuwar–Graham, Chief Operartions Officer – Cabot
- Jim Appleby, Chief Executive Officer – Intrum
- John Donnelly, Head of Loan Originations and Collections and Recoveries – Atom
- John Hegarty, Head of Recoveries – OVO Energy
- John Pear, Chief Executive Officer – Lowell
- John Ricketts, Managing Director – Ardent Credit Services
- Jonathan Donnelly, Collections Strategy & Risk Manager – HSBC
- Joseph Surtees, Head of Debt Standards and Continuous Improvement – HM Treasury
- Julian Winfield, Managing Director – Advantis
- Karen Bulgarelli, Chief Executive Officer – Solaris Law
- Kat McIntosh, Collections Agency Manager -Sky
- Maxine Pritchard, Head of Financial Inclusion – HSBC
- Natalie Bunyer, Sales Director – ARC Europe
- Neil Costello, Marketing Director – Lowell
- Nick Cherry, Chief Operating Officer – Philips & Cohen
- Nina White , Director of Household and Wholesale Income – Thames Water
- Paul Harbron, Supplier Relationship Manager -NatWest
- Paul Jenkins, Chief Operations Officer – Wescot
- Paul Mason, Chief Executive Officer – Lantern
- Paul Rogan, Recoveries Strategy Manager – BT
- Phil McGilvary, Chief Executive Officer – COEO
- Pritesh Kothary, Senior Operations and Relationship Manager – Talk Talk
- Rachael Magowan, Chief Technology Officer – Moneyline
- Rachael Withers, Chief Executive Officer – BW Legal
- Rebecca Wilson, Head of Credit Risk – Virgin Media O2
- Rishi Jassal, Credit Risk Strategy, CMB Decision Systems Manager – Virgin Media
- Sam Challenger, Director of Operations – Billing Finance
- Samuel Baker, Director of Collections & Recoveries – 118 118 Money
- Scott Innes, Partner Manager, Collections – Hutchinson 3G
- Scott Woolveridge, Operations Director – GAIN Credit
- Simon Bell, Head of Credit Risk and Collections – Octopus Energy
- Steven Craske, Head of Collections and Recoveries – JaJa Finance
- Syed Rizvi, Senior VP of Credit – Zilch
- Tamas Kopanyi, Director of Financial Health – Monzo
- Tim Kirk, UK Country Operations Director – PRA Group
- Tony Gunderson, Head of Operations – Onmo
- Tracey Smith, DCA Manager – EON Next
- Tracy Porter, Head of Collections – EE
Debt Recovery & Enforcement
- Amy Collins, Managing Director – Rundle & Co
- Andrew MacKay, Chief Executive Officer – AJE Enforcement
- Carole Kenney, Director, Welfare. Road Traffic & Road User Charging – CDER Group
- Caroline Wells, Founder – Compliance, Adjudication and Review of Enforcement Panel
- Jim Taylor, Managing Director (Legal Services Division)- Equivo
- Jo Davis, Partner – Auxillias
- Justin Coley, Head of Recoveries – Flint Bishop
- Lisa Keating, Director – Davisa Solutions
- Michael Line, Managing Director – JTR Collections
- Paul Caddy, Managing Director -Court Enforcement Services
- Paul Whyte, Chief Executive Officer – Whyte & Co
- Rob Thompson, Partner/Chief Executive Officer – Bracher/CCUA
- Russell Kelsall, Partner, Head of Consumer & Motor Finance – Walker Morris
- Sarah Naylor, Sales Director – Dukes Bailiffs
- Simon Jacobs, Chief Executive Officer- Jacobs Enforcement
- Tracey Stone, Director – Welfare Together
Commercial Credit & Insolvency
- Ade Oyewumi, Deputy Head (FICC) & Credit Control Lead – London School of Economics
- Andrew Ambler, Head of Collections & Legal – Iwoca
- Antony Cole, Global Head of Collections – Liberis
- Atul Vadher, Head of Credit and Collections – SEFE Energy
- Brendan Clarkson, Director – PKF Littlejohn Advisory
- Brian Lewis, Credit Manager – CPI EuroMix Mortars
- Bryony Crossland, Director EMEA Financial Services – Anixter
- Carla Lourenco, Head of Credit – Arkle Finance
- Charles Mayhew, Founder, Global Credit Recoveries
- Chirag Shah, Chief Executive Officer – Nucleus
- Christina Renshaw, Head of Debt – Yu Energy
- Clive Jacob, Global Credit Risk Manager – AstraZeneca
- Colin Thomas, Chair – STA International
- Darren Fowkes, Credit Manager – Biffa
- Gavin Jones, Head of Income – Imperial College
- Ian Leslie, Managing Director, Trade Credit – Marsh McLennan
- Ian Strangward, Credit Manager – Karndean
- Jade Owen, Group Credit Manager – EH Smith
- Kulvir Ranu ,Credit Manager – Lavazza Group
- Larry Coltman, Partner – Field Fisher
- Laura Brown, Finance SSC Director – Saint-Gobain UK & Ireland
- Lisa Honeyman, Receivables Leader – PWC
- Luke Sculthorp, Head of Strategic Relationships – Chartered Institute of Credit Managers (CICM)
- Mark Porter, Head of Collections – Capital On Tap
- Martin Kirby, Head of Credit Risk and Collections – Batt Cables
- Neil Jinks, Chair – Chartered Institute of Credit Managers (CICM)
- Nicola Hannant, Credit Manager – Cemex
- Peter Whitmore, VP EMEA, Credit, Vendor & Financial Services – Weston
- Shahina Choglay, Associate Director – Savills
- Sharon Brimfield, Head of Credit & Debt – NPower
- Stephen Bale, Director of Collections, Recoveries, Litigation & Complaints – Funding Circle
- Stephen Holmes, Senior Corporate Risk Manager – Novuna
- Steven Radley, Finance Manager – Turnbull
- Sukh Jutley, Head of Credit – Bunzl
- Tom Feest, Director – International Credit and Collections – American Express
- Tony Groom, Director – K2 Business Partner
Industry Consultants
- Amir Ali OBE, Founder -Remote Court Users
- Chris Warburton, Director – RO Strategy
- Debbie Nolan, Director – Carmelite Consulting
- Dee Gallagher, Founder – AMP Corporate Communications
- Guy Statter, Director – Waterbuck
- Jason Pallister, Founder – DCS Credit
- Jon Timmis, Director – BTR Future
- Maria Harris, Director – Digital Cat Consultancy
- Steve Williams, Director – Continuum Advisory Partners
A more comprehensive dedicated website will be created soon, which will include photos and profiles.
If you wish to be considered for nomination on the 2026 list, please submit your request to marketing@credt-connect.co.uk
ADVISONAL PANEL PARTNERS:
2025 INDUSTRY LEADERS LIST IS SPONSORED BY:
The key elements related to eligibility for individuals to be included on the list are available on request. At the beginning of 2026, individuals will also be given an opportunity to nominate to appear on the 2026 list. Details will be available on the Industry Leaders website.
*As this is a digital list, the list will remain fluid throughout the year. Credit Connect reserves the right to remove individuals should they move roles or should we become of an alignment and/or show a bias towards technology suppliers outside of their day-to-day role.
