Executive Leadership Team

Ashish Masih
President and CEO

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. In his prior role as President of Encore’s largest business unit, Midland Credit Management (MCM), Mr. Masih was responsible for internal call centers, decision science, legal collections, marketing and all other operational units. He also oversaw Encore’s Asset Reconstruction Company, which is now operational and is purchasing debt portfolios in India. Prior to this role, Mr. Masih served in three additional roles at Encore: Executive Vice President, MCM 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 its U.S. credit card business. Prior to joining Capital One, Mr. Masih worked at McKinsey & Company and KPMG Consulting.

In 2019, Mr. Masih was named by U.S. Secretary of Commerce Wilbur Ross to the U.S.-India CEO Forum, which brings together business leaders from both nations to discuss ways to strengthen economic and commercial ties. From 2013-2015, Mr. Masih was elected to the Receivables Management Association (RMA International, previously DBA International) board of directors, where he served as both a director and a member of its Federal Legislative and Regulatory Committee.

Mr. Masih earned a Master of Business Administration 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.

Amy Anuk
Senior Vice President of Business Development

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, Ms. Anuk 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 a Master of Business Administration with a specialization in Finance, from San Diego State University.

Ryan Bell
Executive Vice President and Chief Operating Officer, Midland Credit Management, Inc.

As Executive Vice President and Chief Operating Officer, Mr. Bell oversees Encore’s U.S. debt purchasing line of business, Midland Credit Management, Inc. Mr. Bell is responsible for the strategic direction and financial performance of this business subsidiary. Mr. Bell was promoted to this newly created role in September 2018. Previously, as Senior Vice President of operations, Mr. Bell led Encore’s internal legal, legal outsourcing, and bankruptcy operations. He 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 11 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 a Master of Business Administration (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
Executive Vice President, General Counsel, and Chief Administrative Officer

Greg Call is Encore Capital Group’s Executive Vice President, General Counsel and Chief Administrative Officer, and has been serving Encore in various legal and executive roles since joining the company in January 2010.  In his current role, Mr. Call oversees Encore’s legal, enterprise risk management, internal audit, and information security functions.  Mr. Call joined the Encore 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 Juris Doctorate with honors from the J. Reuben Clark Law School at Brigham Young University in 1994.

Jonathan Clark
Executive Vice President and Chief Financial Officer

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. Clark became a director of Encore’s UK subsidiary, Cabot in January 2019.  He joined the company as CFO for Encore’s US subsidiary, Midland Credit Management in October 2014 and became a director of Midland Credit Management in March 2015.

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 Director and then 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.  In addition, Clark has been a board member of the Jefferson Trust since November 2018.

Monique Dumais-Chrisope
Chief Information Officer

Monique Dumais-Chrisope joined Encore Capital Group in 2019 and serves as Chief Information Officer for Encore Capital Group and Midland Credit Management. In this role, Ms. Dumais-Chrisope is responsible for enabling the business to achieve its goals by delivering strategic technology solutions through a robust infrastructure, secure framework, stable applications and business intelligence.

Ms. Dumais-Chrisope comes to Encore from Bank of America, where she gained 16 years of experience in the financial services industry serving in senior and executive roles. Most recently at Bank of America, Ms. Dumais-Chrisope served as Senior Vice President, Technology Executive. In this role, Ms. Dumais-Chrisope was responsible for enterprise document, content and record services, and led a diverse, global team of 500 IT professionals across sites in the U.S. and India. Prior to this, Ms. Dumais-Chrisope served in leadership roles responsible for business process operations and loss mitigation technology for the bank. Ms. Dumais-Chrisope also served in an executive capacity with Balboa Insurance Group, which was acquired by Bank of America in 2008.

Ms. Dumais graduated from Sault College of Applied Arts and Technology in Sault Ste. Marie, Ontario, Canada.

Doris Hektor
Chief Risk Officer and Managing Vice President

Doris Hektor, Ph.D. joined Encore Capital Group in 2014 and currently serves as Chief Risk Officer and Managing Vice President for Encore Capital Group. In this role, Ms. Hektor is responsible for expanding Encore’s global enterprise risk management, establishing standards and implementing processes to ensure that Encore’s risk and compliance management system is effective and efficient.

Prior to joining Encore Capital Group, Ms. Hektor served as Senior Vice President and Managing Director of strategy and development, consumer and community banking compliance for JP Morgan Chase. Ms. Hektor also previously served as Senior Vice President and Managing Director of compliance, global commercial card and global merchant acquisition for JP Morgan Chase. Prior to joining JP Morgan Chase, Ms. Hektor worked at American Express as global head of compliance for Commercial Card. Before relocating to the U.S., Ms. Hektor served as general counsel at American Express in Germany. Prior to American Express, Ms. Hektor served in various senior legal, compliance and managing director, member of the board roles at JP Morgan Investment Managers, AXA Investment Managers in Frankfurt and London. Hektor started her career as outside counsel specializing in International Banking/Securities Law at Clifford Chance, Frankfurt/London offices.

Ms. Hektor is an attorney admitted to the Higher Courts in Germany. She holds a Ph.D. at Philosophy of Law & Ethics (magna cum laude; University of the Saarland, Germany). Ms. Hektor did her 1. State examination and 2. State Examination in Law with the Ministry of Justice of the Saarland, Germany (both times “Praedikat”).

Ken Stannard
Executive Director and Chief Executive Officer of the Cabot Credit Management Group

Ken Stannard has been Chief Executive Officer for all of Encore’s European businesses since Encore’s 100% acquisition of Cabot in 2018. Mr. Stannard joined the credit management services industry in 2012 at Marlin Financial and was named CEO of Cabot Credit Management after the Marlin Group was acquired by Cabot in 2014.

 

Previously, Mr. Stannard spent six years at Lloyds Banking Group as Retail Director covering credit cards, deposits and consumer products. Mr. Stannard joined Lloyds after eight years with Capital One as both Managing Director of Capital One’s U.K. business and its South African joint venture with Nedcor. Prior to this, Mr. Stannard was Head of European Operations at American Express. Mr. Stannard began his career as an Engineer with the U.K. Ministry of Defense before spending eight years with Oliver Wyman based in their London, Paris and Munich offices, progressing to Partner.

Mr. Stannard holds a Master of Business Administration from INSEAD and both a Master of Arts and a Bachelor of Arts (First class) in Engineering Science from Oxford University.

John Yung
Senior Vice President, Group Executive for Latin America and Asia Pacific

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, Mr. Yung oversees the businesses of RF Encore, Encore Asset Reconstruction Company (EARC) and to portfolio investments located in Mexico and Brazil. Mr. Yung previously  served as the Chief Executive Officer of Baycorp, a former Encore Capital Group Company, for two years, adding significant value to the Australian and New Zealand business. Prior to this, Mr. Yung 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, Mr. Yung worked at ZenBanx Holding Ltd. where he was Chief Operating Officer at ZenBanks USA. Prior to that, Mr. Yung held several positions at ING USA, including Head of Consumer Lending and Head of Customer Research and Analytics. Mr. Yung also served in executive positions with Bank of America and MBNA America Bank.

Mr. Yung earned a Bachelor of Arts in economics, with honors, from the University of California-Davis, and a Master of Business Administration in Finance and Marketing from Duke University.