Leadership Team

Ashish Masih President and CEO
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Ashish Masih is Encore Capital Group's President and Chief Executive Officer. Mr. Masih joined the company in 2009 and was appointed President and CEO in June 2017. Previously, as President of Midland, Mr. Masih was responsible for internal call centers, decision science and, legal collections, marketing, and all other domestic operations. He also oversaw Encore's Asset Reconstruction Company, which is now operational and is purchasing debt portfolios in India. Prior to this at Encore, he served in three roles over time: Executive Vice President, U. S. Debt Purchasing Operations, Senior Vice President of legal collections operations, and Senior Vice President of corporate development. Prior to joining Encore, 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.
Ryan Bell Executive Vice President and Chief Operating Officer, Midland Credit Management (MCM)
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Ryan Bell has fifteen years of financial services experience in analytical and operational roles. As Executive Vice President and Chief Operating Officer of MCM, Mr. Bell oversees Encore's global operations that support the U.S. purchasing line of business. This includes all Call Centers, Legal Collections, Decision Science, and Marketing teams. In this role, he is responsible for the strategic direction, financial performance, and operational effectiveness of all domestic channels. Previously as Senior Vice President of Operations, Mr. Bell led Encore's Internal Legal, Legal Outsourcing, and Bankruptcy Operations. Mr. Bell also led Encore's Decision Science group which is responsible for asset valuation, predictive model development, and financial forecasting. Mr. Bell joined Encore in 2011 as Vice President of Legal Outsourcing.

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.
Jonathan C. Clark Executive Vice President and Chief Financial Officer and Treasurer
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Jonathan C. Clark is Encore's Executive Vice President, Chief Financial Officer and Treasurer, serving in this capacity since February 2015. In this role, Mr. Clark is responsible for managing relationships with the investment community, leading capital raising efforts, and for financial reporting, treasury, tax, financial planning and analysis, corporate development and strategy functions. He joined the company as CFO for Encore's subsidiary Midland Credit Management in October 2014.

Before joining Encore, Clark was Executive Vice President and Chief Financial Officer of SLM Corp., also known as Sallie Mae. During his time at Sallie Mae from 2008 until 2013, Clark increased investor value, reestablished the organization as a major player in the securitization market, and guided the company during the global financial crisis. Prior to joining Sallie Mae, Clark served as a Managing Director at Credit Suisse Securities from 2000 to 2007, after having served in various executive roles at Prudential Securities, The First Boston Corp., and a variety of other companies during his career. Clark earned an economics degree from the University of Virginia, and a master's degree in business administration from the Harvard Business School.
Greg Call Executive Vice President, General Counsel, and Chief Administrative Officer
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Greg Call has served as our Senior Vice President, General Counsel, and Corporate Secretary since September 2011. In August 2017, he was named EVP, General Counsel and Chief Administrative Officer. In this expanded role, he has overseen the company's legal department, enterprise risk management, compliance, internal audit, and legal team supporting the internal legal collections channel. Additionally, Human Resources and Corporate and Government affairs also report to him. 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 attorney 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.
Ken Stannard Executive Director and Chief Executive Officer of the Cabot Credit Management Group
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Mr. Stannard joined the Marlin Group in 2012 and was named Chief Executive Officer of the group on 13 February 2014. Mr Stannard holds an MBA from INSEAD and both an MA and a BA in Engineering Science from Oxford University. Previously he was Director of Credit Cards at Lloyds Banking Group, Managing Director at Capital One UK, CEO of Nedcor/CO and Head of European Operations at American Express.
John Yung Senior Vice President, Group Executive for Latin America and Asia Pacific
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John Yung joined Encore Capital Group in July 2015 and currently serves as Senior Vice President, Group Executive for Latin America and Asia Pacific. In this role, he oversees the businesses of Baycorp, Refinancia, and EARC plus the portfolio investments in Mexico and Brazil.  John’s previous role was serving two years as the Chief Executive Officer of Baycorp, adding significant value to the Australian and New Zealand business. Prior to this, he was Encore’s Senior Vice President of Strategy where he was responsible for guiding the strategic direction of the company, with a focus on long-term strategies to ensure ongoing profit and growth.

Before joining Encore, John worked at ZenBanx Holding Ltd where he was COO of ZenBanks USA. Prior to that, he held several positions at ING USA, including Head of Consumer Lending and Head of Customer Research and Analytics. He also served in executive positions with Bank of America and MBNA America Bank. John earned a BA in economics, with honors, from the University of California-Davis, and an MBA in Finance and Marketing from Duke University.
Amy Anuk Senior Vice President, Business Development
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Amy Anuk has 14 years of experience in the Financial Services industry, and currently serves as Senior Vice President of Business Development at Encore Capital Group. In this role, she oversees the acquisition of consumer debt portfolios, manages the company’s partnerships with major financial institutions, and leads one of the industry’s most accomplished Business Development teams. Under her direction, Encore has invested nearly $5 billion for Encore’s U.S. debt purchasing business. She has been instrumental in strengthening the company’s reputation and reach throughout the financial services sector.

In 2012, Ms. Anuk was a member of The Debt Buyer’s Association’s inaugural task force responsible for the creation and launch of the industry’s first debt buyer certification program. In 2013, she chaired the Standards Committee on the Certification Council responsible for the creation of uniform compliance standards across the industry, and was then elected to Chair the Certification Council. Ms. Anuk was then re-elected as Chair of the Council for two consecutive years. In 2016, she was then elected to The Debt Buyer’s Association’s Board of Directors for which she currently serves. Ms. Anuk championed the development of Encore’s women’s leadership initiative, and in 2013 launched Women@Encore including its inaugural Women’s Leadership Development Program. She currently serves as Chair of Women@Encore. Ms. Anuk holds an MBA, with a specialization in Finance, from San Diego State University.
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