Leadership Team

Our Executive Leadership Team (listed alphabetically)

Amy Anuk
Senior Vice President, Business Development
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Amy Anuk serves as Senior Vice President of Business Development. In this role, Ms. Anuk oversees the acquisition of consumer debt portfolios, manages the company’s partnerships with major financial institutions and other suppliers of consumer receivables, and leads one of the industry’s most professional and diverse business development teams. Under her direction, Encore has completed over $1 billion in portfolio purchases since 2007.

Ms. Anuk joined Encore in 2002, and has held various positions within Business Development throughout her tenure. She has been instrumental in strengthening the company’s reputation and reach throughout the financial services sector, has worked to enhance Encore’s purchasing and portfolio support functions, and has led the creation of media and transaction processes considered best in class by external partners.

Ms. Anuk holds a bachelor’s degree in business management, and an MBA, with a specialization in Finance, from San Diego State University.

Anupam Arun
Senior Vice President, Chief Operating Officer, India Operations
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Anupam Arun has a 19-year track record in banking, financial services and information technology enabled services.  Before joining Encore, Mr. Arun served as General Manager, Global Business Services, of Rio Tinto, India, where he led its first Global in-house center delivering recruitment and HR shared services for its organization worldwide. Prior to that, Mr. Arun worked with Ventura India for seven years as its country manager and director. In this role, Mr. Arun set up the organization in India, including infrastructure, brand and critical business processes, growing it to 2,000 employees. Between 2000 and 2005, he led a 1,000 person multi-site team at GE in India for the consumer finance business (Americas), including outbound collections across delinquency stages and inbound customers.

Mr. Arun earned an MBA in marketing from the University of Indore, India.

Ryan Bell
Senior Vice President, Legal Collections Operations
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Ryan Bell has fourteen years of financial services experience in analytical and operational roles. As Senior Vice President of Legal Collections, Mr. Bell oversees Encore’s Internal Legal and Legal Outsourcing Operations. In this role he is responsible for the strategic direction, financial performance, and operational effectiveness of the Legal Collections channel. Mr. Bell joined Encore in 2011 as Vice President of Legal Outsourcing.  In that role, Mr. Bell oversaw the network of law firms that Encore partnered with across the country.

Before joining Encore, Mr. Bell spent eleven years in marketing and analysis at Capital One Financial Corp. primarily in the auto finance line of business.  His experience at Capital One included marketing strategy, credit policy, new product development, business development, and operations strategy.  Mr. Bell earned an MBA (graduating Beta Gamma Sigma) from The Cox School Business at Southern Methodist University and a bachelor’s degree in Management Information Systems (graduating cum laude) from Texas A&M University.

Greg Call
Senior Vice President, General Counsel, and Corporate Secretary
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Greg Call has served as our Senior Vice President, General Counsel, and Corporate Secretary since September 2011. He is responsible for overseeing the Company’s legal department, the enterprise risk management and compliance functions, and the team of legal professionals supporting the Company’s internal legal collections channel.  Mr. Call joined the Company in January 2010, serving as Vice President, Legal and Business Affairs.

From 1999 until 2008, Mr. Call served in-house at Gateway, Inc., the computer maker and holder of one of America’s strongest consumer brands, where he ultimately led the company's law department as Vice President, General Counsel.  From 2009 until joining the Company, Mr. Call was a shareholder of New Hope Legal Center, Inc.  From 1994 until 1999, Mr. Call was an associate at the law firm Milbank, Tweed, Hadley & McCoy LLP, a leading international law firm, where his practice focused on complex commercial litigation and dispute resolution.  Mr. Call received his bachelor’s degree in English from Brigham Young University in 1991 and his JD, with honors, from the J. Reuben Clark Law School at Brigham Young University in 1994.

Carl Eberling
Senior Vice President, Information Technology and Chief Information Officer
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Carl Eberling joined Encore Capital Group in June 2012 as Senior Vice President, Information Technology and Chief Information Officer. Prior to joining Encore, Mr. Eberling served as GM and Chief Technology Officer at Quest Software, where he led the technological alignment of the entire Quest Software portfolio. Previously, he held executive and CIO positions with Kaiser Permanente and Verizon Wireless. An experienced technology leader, Mr. Eberling has spearheaded strategic technology acquisitions and solutions development, and possesses expertise in data security and performance management.

Mr. Eberling holds a B.S. from San Francisco State University and has done Telecommunications Engineering coursework at the University of California at Berkeley and Information Systems Design coursework at Golden State University. A former U.S. Marine Sergeant, Mr. Eberling has lived and worked in Burma, Korea, and Japan.

Paul Grinberg
Executive Vice President and Chief Financial Officer
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Paul Grinberg serves Encore as Executive Vice President and Chief Financial Officer. He manages our relationships with the investment community, leads our capital raising efforts, and helps us explore new growth opportunities. He is also responsible for our financial reporting, treasury, and risk management functions. During one of the most challenging times in the worldwide credit markets, Mr. Grinberg successfully raised more than $375 million in debt financing for Encore, at favorable terms, enabling us to take advantage of very strong purchasing opportunities. Moreover, Mr. Grinberg has significantly enhanced our presence in the investment community, reflected in new sell-side analyst coverage with strong ratings.

Prior to joining Encore, Mr. Grinberg served as President of Brio Consulting Group, a company he founded that provided financial strategy and consulting services to private equity and venture-backed companies. Before that, Mr. Grinberg served as Chief Financial Officer of Stellcom, Inc., a systems integration firm focused on providing mobile and wireless engineering solutions to Fortune 1000 companies, and as Executive Vice President and Chief Financial Officer of TeleSpectrum Worldwide, Inc., a publicly traded company that provided outsourced call center solutions to Fortune 500 companies. Mr. Grinberg began his career at Deloitte & Touche LLP, ultimately becoming a partner in the firm’s Merger and Acquisition Services Group. Mr. Grinberg is currently a director of Bank of Internet USA (NASDAQ: BOFI), a FDIC insured, internet-only bank.

Mr. Grinberg earned a MBA (graduating Beta Gamma Sigma) from Columbia University and a bachelor’s degree in accounting (graduating magna cum laude) from Yeshiva University.

Barbara Kennedy
Senior Vice President, Human Resources
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Barbara J. Kennedy is senior vice president of Human Resources. Ms. Kennedy is responsible for human resources globally, including talent acquisition and management, employee relations, total rewards, and developing and implementing a wide range of department initiatives that align with Encore's business objectives.

Ms. Kennedy joins Encore after more than five years at United Stationers Supply Company where she was senior vice president of Human Resources. During that time, she also served on the Board of Directors for the Human Resources Management Association of Chicago (HRMAC), the Novo Group and Meals On Wheels. Prior to United Stationers, Ms. Kennedy spent nine years with Swift Transportation Company, Inc. where she most recently served as executive vice president, Human Resources, Safety, Recruiting and Driver Services. Before Swift, she held various management positions in human resources at Barr-Nunn Transportation. Ms. Kennedy received her Bachelor's Degree in Interdisciplinary Studies from the University of Missouri-Columbia.

Ashish Masih
Executive Vice President, U.S. Operations
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Ashish Masih joined the company in 2009. His current role is executive vice president, U. S. Debt Purchasing Operations. He previously served as senior vice president of legal collections operations, and senior vice president of corporate development. Mr. Masih was vice president at Capital One Financial Corp., where he held senior roles in collections and recoveries among other roles. Prior to joining Capital One, Mr. Masih was an Associate Principal at McKinsey & Company and a Manager at KPMG Consulting.

Mr. Masih earned an MBA from The Wharton School of the University of Pennsylvania, a Master of Science in Manufacturing Systems Engineering from Lehigh University and a bachelor’s degree in Mechanical Engineering from the Indian Institute of Technology, New Delhi, India.

Jack Nelson
President, Propel Financial Services
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Jack Nelson co-founded Propel Financial Services in 2007 and has served as its President since its inception. As President, Mr. Nelson manages all daily operations related to originations, servicing, portfolio acquisitions, marketing, legal, and staffing. Prior to joining Propel, Mr. Nelson practiced law in the Austin office of Akin Gump Strauss Hauer & Feld.

Mr. Nelson graduated from the University of Texas at Austin with an undergraduate degree in Finance and Business, and holds a J.D. from the University of Chicago Law School.

Manu Rikhye
Executive Vice President, Encore India
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Manu Rikhye joined Encore in 2005 as a founding member of the India management team. He is currently Executive Vice President, Encore Capital Group, and Managing Director of Midland Credit Management India Pvt. Ltd., a subsidiary of Encore Capital Group.

In this role, Mr. Rikhye heads Encore’s extensive operations in India. Since he began managing Encore’s India operations, it has grown from a team of 200 employees to 2,000, with a staff that supports the parent company’s operational, analytic, and IT needs. Under his leadership, Encore India has been named one of India’s Top 50 Companies to Work by the Great Place to Work Institute for four consecutive years.

Mr. Rikhye’s career reflects his entrepreneurial success. He has previously held significant positions across areas of collections operations including portfolio management, profitability, performance management and client service delivery. He has been instrumental in setting up, building and growing medium- to large-sized businesses focused on financial services. His early experience includes time at GE Capital Services and Aegis BPO.

Mr. Rikhye holds a Bachelor’s degree in Commerce from the Delhi University and a Business Management degree from the Indian Institute of Management, Kolkata.

Jaison Thomas
Senior Vice President, India Operations
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Jaison Thomas serves as Senior Vice President of Operations for Encore India. Mr. Thomas has been successfully leading large scale diversified operations for Encore India for the last six years. He has played a pivotal role in developing business strategy to enhance growth and service delivery across the call center, legal and Encore’s Cabot subsidiary.

Under Mr. Thomas’ leadership, Encore’s India operations have continued to grow and contribute significantly to Encore’s success. His proven skills and abilities are a major strength for Encore and its leadership team. Before joining Encore in 2008, Mr. Thomas spent 17 years managing operations in the ARM and BPO industry with global firms including IBM Daksh, Global Vantedge and GE Capital International Services. Mr. Thomas holds a bachelor’s degree in Commerce from the Delhi University in India.

Christopher Trepel, Ph.D.
Senior Vice President and Chief Scientific Officer
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Christopher Trepel is a data science leader and business executive whose work is focused on measuring and predicting consumer behavior. He is the Founder and Managing Director of the Consumer Credit Research Institute (CCRI), a group dedicated to understanding consumer financial decision making, especially within subprime credit and low- and moderate-income populations. The CCRI’s research has been presented at major scientific and trade conferences and widely showcased in the national press.


Dr. Trepel is also Encore Capital Group’s Chief Scientific Officer. He leads the Decision Science department and is responsible for consumer segmentation, asset valuation, and financial forecasting. Under his leadership, Encore developed the industry’s first consumer ability-to-pay model. Previously, he built and directed the company’s Corporate Affairs function, including external branding, government affairs, and media relations.


Prior to Encore, Dr. Trepel served as Vice President within Wells Fargo’s Enterprise Risk Management division, and in a strategic and analytic role within the bank’s Consumer Credit Group. He was formerly a consultant with McKinsey & Company, where he advised clients during M&A, business building, private equity, and operational improvement engagements.


Dr. Trepel has substantial academic research experience, including a doctoral degree in Experimental Psychology from McMaster University, postdoctoral fellowships in Neurophysiology from UCSF and Behavioral Economics from UCLA's  Anderson School, and over 40 peer-reviewed publications and abstracts spanning five scientific research areas. His work was recently cited by Federal Reserve Bank Chairman Ben Bernanke at the 32nd General Conference of the International Association for Research in Income and Wealth.

Kenneth A. Vecchione
President and CEO
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Kenneth A. Vecchione is Encore Capital Group’s President and Chief Executive Officer.

During his more than 35-year career, Mr. Vecchione has held a number of senior positions at large financial services companies, including Chief Operating Officer of Western Alliance Bancorporation from 2010-2013, Chief Financial Officer at Apollo Global Management, LLC from 2007-2010 and Executive Vice President and Chief Financial Officer at AT&T Universal Card Services from 1997-1998.

Between 1998 and 2006, Mr. Vecchione served in a number of positions at MBNA Corporation, including three years as Vice Chairman and Chief Financial Officer.  Before being acquired by Bank of America in 2005, MBNA was the 10th largest U.S. bank and the world’s largest independent credit card lender.

Mr. Vecchione has deep and diverse experience in areas essential to Encore’s ongoing success, including operations, corporate strategy, risk management and regulatory affairs.  He is highly respected within the financial services industry and brings to Encore high-level relationships in the banking and credit card sectors.

Mr. Vecchione sits on the Boards of Affinion Group, the International Securities Exchange and Western Alliance Bancorporation.  He earned his Bachelor of Science in Accounting from the State University of New York – Albany in 1976.

Sheryl Wright
Senior Vice President, Corporate & Government Affairs
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Sheryl Wright joined the company in August 2012 as the Senior Vice President of External Affairs.  In this role, she leads the company's government and public affairs efforts.  Specifically, she manages federal and state legislative and regulatory matters, corporate communications, community outreach/social responsibility, and Encore’s Political Action Committee (PAC). Additionally, she engages with key stakeholders to ensure that the needs of our consumers are met.

Ms. Wright joined Encore from Bridgepoint Education, where she served as Senior Vice President, External Affairs for 3 1/2 years.  Prior to Bridgepoint, she had a 25 year career with Sprint Nextel, most recently serving as Vice President of Government Affairs.  Ms. Wright serves on numerous public policy and community boards, including San Diego Regional Chamber of Commerce-Public Policy Committee, San Diego Taxpayers Association, San Diego Downtown Partnership, LEAD San Diego, and the Public Affairs Council, Washington DC.

She graduated cum laude with a Bachelor of Arts in Business from Southwestern College (Kansas) and an MBA from Kansas State University.