董事介绍

注:董事持股数取自最新公司公告

姓名 性别 职位 年龄 薪酬 持股数(万股) 截止日期
Ashwini Gupta Independent Director 67 21.67万美元 未持股 2020-04-28
Wendy Hannam Independent Director 60 20.82万美元 未持股 2020-04-28
Jeffrey A. Hilzinger Independent Director 62 15.82万美元 未持股 2020-04-28
Angela A. Knight Independent Director 69 16.91万美元 未持股 2020-04-28
Richard P. Stovsky Independent Director 62 21.65万美元 未持股 2020-04-28
Michael P. Monaco Independent Director 72 31.69万美元 未持股 2020-04-28
Laura Newman Olle Independent Director 67 21.67万美元 未持股 2020-04-28
Richard J. Srednicki Independent Director 72 20.00万美元 未持股 2020-04-28
Ashish Masih President, Chief Executive Officer and Director 54 340.74万美元 未持股 2020-04-28

高管介绍

注:高管持股数取自最新公司公告

姓名 性别 职位 年龄 薪酬 持股数(万股) 截止日期
Ryan B. Bell President, Midland Credit Management 41 154.76万美元 未持股 2020-04-28
Craig A. Buick Chief Executive Officer of the Cabot Credit Management Group 50 未披露 未持股 2020-04-28
Jonathan C. Clark Executive Vice President, Chief Financial Officer and Treasurer 61 247.75万美元 未持股 2020-04-28
Gregory L. Call Executive Vice President, General Counsel, Chief Administrative Officer and Corporate Secretary 53 158.86万美元 未持股 2020-04-28
Ashish Masih President, Chief Executive Officer and Director 54 340.74万美元 未持股 2020-04-28

董事简历

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Ashwini Gupta

Ashwini Gupta,自2015年9月起担任董事。他是the American Express Company的全球信贷风险与信息管理组的总裁。 他是American Express的执行官兼运营委员会成员,负责管理American Express的战略方向。American Express的全球信贷风险与信息管理组涉足各个市场的企业、战略伙伴、监管人员和客户的各项业务。这个团队的目标是控制信贷和欺诈风险,通过容量和创新积累收益增长,尤其关注大数据领域。他曾担任the American Express Company的首席风险官9年,领导一体化风险控制体系的建立。他将毕生奉献于 American Express。他获得了Columbia University的工商管理硕士学位,以及德里Indian Institute of Technology IIT的工程学学士学位。他目前是Big Brothers Big Sisters of New York的董事,也是South Asian Youth Action (SAYA!)的顾问。


Ashwini Gupta has served as a director since September 2015. Mr. Gupta retired from American Express Company in March 2018 after 40 continuous years of service as an executive officer, including serving as President - Global Credit Risk & Information Management from 2016 to 2018. Previously, he was the company’s Chief Risk Officer and was instrumental in successfully guiding American Express through the Great Recession. He is currently, a board member and chair for Corridor Platforms Inc., and a board member for Nova Credit. In addition, he is a board advisor to H2O.ai, Biz2Credit, Nexus Venture Partners, Advent International deal advisor and Global Consulting firm Oliver Wyman. Mr. Gupta earned an MBA from Columbia University and a bachelor’s degree in Engineering from Indian Institute of Technology (IIT), Delhi. He serves on the non-profit board of Big Brothers Big Sisters of New York and on the advisory board of South Asian Youth Action (SAYA!).
Ashwini Gupta,自2015年9月起担任董事。他是the American Express Company的全球信贷风险与信息管理组的总裁。 他是American Express的执行官兼运营委员会成员,负责管理American Express的战略方向。American Express的全球信贷风险与信息管理组涉足各个市场的企业、战略伙伴、监管人员和客户的各项业务。这个团队的目标是控制信贷和欺诈风险,通过容量和创新积累收益增长,尤其关注大数据领域。他曾担任the American Express Company的首席风险官9年,领导一体化风险控制体系的建立。他将毕生奉献于 American Express。他获得了Columbia University的工商管理硕士学位,以及德里Indian Institute of Technology IIT的工程学学士学位。他目前是Big Brothers Big Sisters of New York的董事,也是South Asian Youth Action (SAYA!)的顾问。
Ashwini Gupta has served as a director since September 2015. Mr. Gupta retired from American Express Company in March 2018 after 40 continuous years of service as an executive officer, including serving as President - Global Credit Risk & Information Management from 2016 to 2018. Previously, he was the company’s Chief Risk Officer and was instrumental in successfully guiding American Express through the Great Recession. He is currently, a board member and chair for Corridor Platforms Inc., and a board member for Nova Credit. In addition, he is a board advisor to H2O.ai, Biz2Credit, Nexus Venture Partners, Advent International deal advisor and Global Consulting firm Oliver Wyman. Mr. Gupta earned an MBA from Columbia University and a bachelor’s degree in Engineering from Indian Institute of Technology (IIT), Delhi. He serves on the non-profit board of Big Brothers Big Sisters of New York and on the advisory board of South Asian Youth Action (SAYA!).
Wendy Hannam

Wendy Hannam,2015年9月以来,她担任董事。2014年她从Scotiabank(北美、拉丁美洲和亚洲的部分地区的加拿大国际领先银行和金融服务提供商)退休。她于1983年加入Scotiabank并不断被提拔。最后从2009年到2012年,她担任国际零售银行业务执行副总裁。从2012年直到她退休了,她担任拉丁美洲执行副总裁。她获得Memorial University的商业荣誉学士学位和the University of Toronto的工商管理硕士学位。她也是the European Institute of Business INSEAD的the Advanced Management Programme和the ICD-Rotman Directors Education Program的毕业生。她担任几个商业、艺术和社区组织的董事会职务。2010年她成为WXN’s Hall of Fame for Canada’s Most Powerful Women的成员。2013年她任命为拉丁美洲the Latinvex Top 100 Business Women。


Wendy Hannam has served as a director since September 2015. Ms. Hannam retired from Scotiabank, an international Canadian bank and a leading financial services provider in North America, Latin America and parts of Asia, in 2014. Ms. Hannam joined Scotiabank in 1983 and held positions of increasing responsibility, most recently as Executive Vice President, International Retail Banking from 2009 to 2012 and Executive Vice President, Latin America from 2012 until she retired. Ms. Hannam holds an MBA from the University of Toronto. She is also a graduate of the Advanced Management Programme at the European Institute of Business INSEAD and the ICD-Rotman Directors Education Program. She serves on the Independent Review Committee of BMO Asset Management Inc, and on the board of the Royal Conservatory of Music. Ms. Hannam was named one of Canada’s 100 Most Powerful Women 2007-2010 and was named to the Latinvex Top 100 Business Women in Latin America in 2013.
Wendy Hannam,2015年9月以来,她担任董事。2014年她从Scotiabank(北美、拉丁美洲和亚洲的部分地区的加拿大国际领先银行和金融服务提供商)退休。她于1983年加入Scotiabank并不断被提拔。最后从2009年到2012年,她担任国际零售银行业务执行副总裁。从2012年直到她退休了,她担任拉丁美洲执行副总裁。她获得Memorial University的商业荣誉学士学位和the University of Toronto的工商管理硕士学位。她也是the European Institute of Business INSEAD的the Advanced Management Programme和the ICD-Rotman Directors Education Program的毕业生。她担任几个商业、艺术和社区组织的董事会职务。2010年她成为WXN’s Hall of Fame for Canada’s Most Powerful Women的成员。2013年她任命为拉丁美洲the Latinvex Top 100 Business Women。
Wendy Hannam has served as a director since September 2015. Ms. Hannam retired from Scotiabank, an international Canadian bank and a leading financial services provider in North America, Latin America and parts of Asia, in 2014. Ms. Hannam joined Scotiabank in 1983 and held positions of increasing responsibility, most recently as Executive Vice President, International Retail Banking from 2009 to 2012 and Executive Vice President, Latin America from 2012 until she retired. Ms. Hannam holds an MBA from the University of Toronto. She is also a graduate of the Advanced Management Programme at the European Institute of Business INSEAD and the ICD-Rotman Directors Education Program. She serves on the Independent Review Committee of BMO Asset Management Inc, and on the board of the Royal Conservatory of Music. Ms. Hannam was named one of Canada’s 100 Most Powerful Women 2007-2010 and was named to the Latinvex Top 100 Business Women in Latin America in 2013.
Jeffrey A. Hilzinger

JeffreyA.Hilzinger自2019年9月起担任董事。他自2016年6月起担任Marlin Business ServicesCorp.(一家上市银行控股公司)的首席执行官,总裁兼董事。从2010年到2016年5月,Hilzinger先生在Everbank Commercial Finance,Inc.担任越来越重要的职务,最近担任总裁。2004年,Hilzinger先生共同创立了US Express Leasing,Inc.,并担任其首席财务官,直到2010年该公司被Everbank Financial Corporation收购。Hilzinger先生联合创立了Aternus Partners,LLC,这是一家管理咨询公司,并担任常务董事直到2004年。Hilzinger从1979年到2002年被GE Capital收购,在Heller Financial,Inc.及其某些子公司和分支机构担任多个区域和全球领导职位。


Jeffrey A. Hilzinger has served as a director since September 2019. He has served as Chief Executive Officer, President and as a director of Marlin Business Services Corp., a publicly-traded bank holding company, since June 2016. From 2010 to May 2016 Mr. Hilzinger served in positions of increasing responsibility at Everbank Commercial Finance, Inc., most recently as President. In 2004 Mr. Hilzinger co-founded US Express Leasing, Inc. and served as its Chief Financial Officer until it was acquired by Everbank Financial Corporation in 2010. Mr. Hilzinger co-founded Aternus Partners, LLC, a management consulting firm, and served as a Managing Director until 2004. From 1979 until it was acquired by GE Capital in 2002 Mr. Hilzinger served in various regional and global leadership roles with Heller Financial, Inc. and certain of its subsidiaries and affiliates.
JeffreyA.Hilzinger自2019年9月起担任董事。他自2016年6月起担任Marlin Business ServicesCorp.(一家上市银行控股公司)的首席执行官,总裁兼董事。从2010年到2016年5月,Hilzinger先生在Everbank Commercial Finance,Inc.担任越来越重要的职务,最近担任总裁。2004年,Hilzinger先生共同创立了US Express Leasing,Inc.,并担任其首席财务官,直到2010年该公司被Everbank Financial Corporation收购。Hilzinger先生联合创立了Aternus Partners,LLC,这是一家管理咨询公司,并担任常务董事直到2004年。Hilzinger从1979年到2002年被GE Capital收购,在Heller Financial,Inc.及其某些子公司和分支机构担任多个区域和全球领导职位。
Jeffrey A. Hilzinger has served as a director since September 2019. He has served as Chief Executive Officer, President and as a director of Marlin Business Services Corp., a publicly-traded bank holding company, since June 2016. From 2010 to May 2016 Mr. Hilzinger served in positions of increasing responsibility at Everbank Commercial Finance, Inc., most recently as President. In 2004 Mr. Hilzinger co-founded US Express Leasing, Inc. and served as its Chief Financial Officer until it was acquired by Everbank Financial Corporation in 2010. Mr. Hilzinger co-founded Aternus Partners, LLC, a management consulting firm, and served as a Managing Director until 2004. From 1979 until it was acquired by GE Capital in 2002 Mr. Hilzinger served in various regional and global leadership roles with Heller Financial, Inc. and certain of its subsidiaries and affiliates.
Angela A. Knight

Angela A.Knight自2019年9月起担任董事。Knight女士自2011年9月起担任TP ICAP plc(之前为Tullett Prebon)的高级独立董事,自2016年6月起担任Arbuthnot Latham&Co Ltd的非执行董事,自2016年11月起担任Taylor Winpey plc的非执行董事,自2018年8月起担任Provident Financial plc的非执行董事。她目前是Astana Financial Services Authority(哈萨克斯坦政府正在设立的新监管机构,根据英国法律和英国/国际监管标准)的副主席。自1997年以来,奈特女士一直担任多个非执行董事职位,包括2007年至2017年担任Brewin Dolphin plc的高级独立非执行董事,并担任都柏林子公司的主席,直到2018年12月,她还是英国财政部赞助机构税收简化办公室的主席,直到2019年3月。她曾担任Energy UK公司的首席执行官(2012年至2014年),此前曾担任the British Bankers&8217;Association的首席执行官(2007年至2012年)。Knight从1997年到2006年担任私人客户投资经理和股票经纪人协会(Association of Private客户投资经理和股票经纪人)首席执行官。她的职业生涯始于任职Air Products and Chemicals公司5年,主要担任开发工程师和项目负责人。1977年,她成立了Cook&Knight(中国中冶处理器),并担任联合董事总经理,直到1988年该公司被出售。她于1987年成为Sheffield City Council的成员,并于1992年当选为Erewash in the East Midlands的国会议员。她曾于1993年担任工业部长的议会助理,随后于1994年担任财政大臣,并于1995年至1997年担任皇家财政部经济秘书。Knight女士拥有布里斯托尔大学(Bristol University)化学学士学位。


Angela A. Knight has served as a director since September 2019. Ms. Knight has been the Senior Independent Director for TP ICAP plc previously Tullett Prebon since September 2011 and a Non-Executive Director of Arbuthnot Latham & Co Ltd since June 2016 of Taylor Wimpey plc since November 2016 and of Provident Financial plc since August 2018. She is currently the deputy chairman of the Astana Financial Services Authority, the new regulator being set up by the Kazakhstan Government, under English law and UK/international regulatory standards. Since 1997 Ms. Knight has held several Non-Executive Directorships, including Brewin Dolphin plc from 2007 to 2017 where she was the Senior Independent Non-Executive Director and also chaired the Dublin subsidiary, until December 2018 and was the Chairman of the UK Treasury sponsored body, the Office of Tax Simplification, until March 2019. She was the Chief Executive Officer of Energy UK from 2012 to 2014 and prior to that was the Chief Executive Officer of the British Bankers’ Association, from 2007 to 2012. Between 1997 and 2006 Ms. Knight was the Chief Executive Officer of the Association of Private Client Investment Managers and Stockbrokers. Ms. Knight started her career at Air Products and Chemicals where she worked for five years, primarily as a development engineer and project leader. In 1977 she set up Cook & Knight (Metallurgical Processors) and was Joint Managing Director until the company was sold in 1988. She became a member of Sheffield City Council in 1987 and was elected as the Member of Parliament for Erewash in the East Midlands in 1992. She was the Parliamentary Aid to the Minister for Industry in 1993 then to the Chancellor of the Exchequer in 1994 before becoming Economic Secretary to HM Treasury from 1995 to 1997. Ms. Knight has a BSc degree in Chemistry from Bristol University.
Angela A.Knight自2019年9月起担任董事。Knight女士自2011年9月起担任TP ICAP plc(之前为Tullett Prebon)的高级独立董事,自2016年6月起担任Arbuthnot Latham&Co Ltd的非执行董事,自2016年11月起担任Taylor Winpey plc的非执行董事,自2018年8月起担任Provident Financial plc的非执行董事。她目前是Astana Financial Services Authority(哈萨克斯坦政府正在设立的新监管机构,根据英国法律和英国/国际监管标准)的副主席。自1997年以来,奈特女士一直担任多个非执行董事职位,包括2007年至2017年担任Brewin Dolphin plc的高级独立非执行董事,并担任都柏林子公司的主席,直到2018年12月,她还是英国财政部赞助机构税收简化办公室的主席,直到2019年3月。她曾担任Energy UK公司的首席执行官(2012年至2014年),此前曾担任the British Bankers&8217;Association的首席执行官(2007年至2012年)。Knight从1997年到2006年担任私人客户投资经理和股票经纪人协会(Association of Private客户投资经理和股票经纪人)首席执行官。她的职业生涯始于任职Air Products and Chemicals公司5年,主要担任开发工程师和项目负责人。1977年,她成立了Cook&Knight(中国中冶处理器),并担任联合董事总经理,直到1988年该公司被出售。她于1987年成为Sheffield City Council的成员,并于1992年当选为Erewash in the East Midlands的国会议员。她曾于1993年担任工业部长的议会助理,随后于1994年担任财政大臣,并于1995年至1997年担任皇家财政部经济秘书。Knight女士拥有布里斯托尔大学(Bristol University)化学学士学位。
Angela A. Knight has served as a director since September 2019. Ms. Knight has been the Senior Independent Director for TP ICAP plc previously Tullett Prebon since September 2011 and a Non-Executive Director of Arbuthnot Latham & Co Ltd since June 2016 of Taylor Wimpey plc since November 2016 and of Provident Financial plc since August 2018. She is currently the deputy chairman of the Astana Financial Services Authority, the new regulator being set up by the Kazakhstan Government, under English law and UK/international regulatory standards. Since 1997 Ms. Knight has held several Non-Executive Directorships, including Brewin Dolphin plc from 2007 to 2017 where she was the Senior Independent Non-Executive Director and also chaired the Dublin subsidiary, until December 2018 and was the Chairman of the UK Treasury sponsored body, the Office of Tax Simplification, until March 2019. She was the Chief Executive Officer of Energy UK from 2012 to 2014 and prior to that was the Chief Executive Officer of the British Bankers’ Association, from 2007 to 2012. Between 1997 and 2006 Ms. Knight was the Chief Executive Officer of the Association of Private Client Investment Managers and Stockbrokers. Ms. Knight started her career at Air Products and Chemicals where she worked for five years, primarily as a development engineer and project leader. In 1977 she set up Cook & Knight (Metallurgical Processors) and was Joint Managing Director until the company was sold in 1988. She became a member of Sheffield City Council in 1987 and was elected as the Member of Parliament for Erewash in the East Midlands in 1992. She was the Parliamentary Aid to the Minister for Industry in 1993 then to the Chancellor of the Exchequer in 1994 before becoming Economic Secretary to HM Treasury from 1995 to 1997. Ms. Knight has a BSc degree in Chemistry from Bristol University.
Richard P. Stovsky

Richard P.Stovsky于2020年加入董事会。Stovsky先生于2018年6月从专业服务机构PricewaterhouseCoopers LLP退休。Stovsky先生于1983年8月加入PricewaterhouseCoopers,并担任越来越多的职务,最近一次担任副董事长(从2015年到2018年6月)。Stovsky先生自2018年8月以来一直在Encore CapitalGroup,Inc.(一家国际专业金融公司,为广泛金融资产的消费者提供债务追回解决方案和其他相关服务)的董事会任职,并自2019年以来担任其审计委员会主席。Stovsky先生担任审计委员会主席,是克利夫兰艺术博物馆执行委员会成员,担任库亚霍加县Bluecoats的财务主管和执行委员会成员,是Cleveland-Marshall College of Law的财务主管和执行委员会成员,是Cleveland-Marshall College of Law的执行委员会成员,担任审计委员会主席,是Cleveland Orchestra and Musical Arts Association的现任受托人。此外,Stovsky先生还担任大学学校的受托人,并是克利夫兰基金会的董事。


Richard P. Stovsky, joined the Board in 2020. Mr. Stovsky retired from PricewaterhouseCoopers LLP, a professional services organization, in June 2018. Mr. Stovsky joined PricewaterhouseCoopers in August 1983 and held positions of increasing responsibility, and served most recently as a Vice Chairman from 2015 to June 2018. Mr. Stovsky has served on the Board of Encore Capital Group, Inc., an international specialty finance company providing debt recovery solutions and other related services for consumers across a broad range of financial assets, since August 2018 and has served as its Audit Committee Chair since 2019. Mr. Stovsky serves as the Audit Committee Chair and is a member of the Executive Committee of The Cleveland Museum of Art, serves as the Treasurer and as a member of the Executive Committee of The Bluecoats of Cuyahoga County, is Treasurer and a member of the executive committee of the 50 Club of Cleveland, is a member of the Executive Committee of Cleveland-Marshall College of Law, and serves as the Audit Committee Chair and is a current Trustee of the Cleveland Orchestra and Musical Arts Association. In addition, Mr. Stovsky serves as a Trustee of University School, and is a Director of the Cleveland Foundation.
Richard P.Stovsky于2020年加入董事会。Stovsky先生于2018年6月从专业服务机构PricewaterhouseCoopers LLP退休。Stovsky先生于1983年8月加入PricewaterhouseCoopers,并担任越来越多的职务,最近一次担任副董事长(从2015年到2018年6月)。Stovsky先生自2018年8月以来一直在Encore CapitalGroup,Inc.(一家国际专业金融公司,为广泛金融资产的消费者提供债务追回解决方案和其他相关服务)的董事会任职,并自2019年以来担任其审计委员会主席。Stovsky先生担任审计委员会主席,是克利夫兰艺术博物馆执行委员会成员,担任库亚霍加县Bluecoats的财务主管和执行委员会成员,是Cleveland-Marshall College of Law的财务主管和执行委员会成员,是Cleveland-Marshall College of Law的执行委员会成员,担任审计委员会主席,是Cleveland Orchestra and Musical Arts Association的现任受托人。此外,Stovsky先生还担任大学学校的受托人,并是克利夫兰基金会的董事。
Richard P. Stovsky, joined the Board in 2020. Mr. Stovsky retired from PricewaterhouseCoopers LLP, a professional services organization, in June 2018. Mr. Stovsky joined PricewaterhouseCoopers in August 1983 and held positions of increasing responsibility, and served most recently as a Vice Chairman from 2015 to June 2018. Mr. Stovsky has served on the Board of Encore Capital Group, Inc., an international specialty finance company providing debt recovery solutions and other related services for consumers across a broad range of financial assets, since August 2018 and has served as its Audit Committee Chair since 2019. Mr. Stovsky serves as the Audit Committee Chair and is a member of the Executive Committee of The Cleveland Museum of Art, serves as the Treasurer and as a member of the Executive Committee of The Bluecoats of Cuyahoga County, is Treasurer and a member of the executive committee of the 50 Club of Cleveland, is a member of the Executive Committee of Cleveland-Marshall College of Law, and serves as the Audit Committee Chair and is a current Trustee of the Cleveland Orchestra and Musical Arts Association. In addition, Mr. Stovsky serves as a Trustee of University School, and is a Director of the Cleveland Foundation.
Michael P. Monaco

Michael P. Monaco,自2001年6月起担任公司董事。Monaco先生也担任Audit Committee, Compensation Committee 和 Nominating Committee of the Board的成员,并且是Audit Committee的主席。Monaco先生是CDG Group, LLC的高级执行董事,该公司总部位于纽约,关注重组、并购和危机与转机管理。2000年至2001年,他担任了Accelerator, LLC(外包服务提供商)的董事长和首席执行官。1996年至2000年,他担任了Cendant Corporation 的副董事长;1998年至2000年,他担任了 Direct Marketing Division of Cendant的首席执行官。1990年至1996年,Monaco先生担任the American Express Company的执行副总裁和首席财务官。Monaco先生目前是The International Securities Exchange(美国领先的一家期权交易所)的董事。Monaco先生早前曾于2002年至2007年11月WGI被URS Corporation收购期间担任Washington Group International, Inc.“WGI”(一家上市公司,为世界各地的企业和政府提供完整的工程、建设和管理服务)的董事;他也曾担任WGI的董事会审计委员会主席。 Monaco先生获得了Villanova University的会计学学士学位,和Fairleigh Dickinson University的工商管理硕士学位。 Monaco先生也是一名注册会计师。


Michael P. Monaco has served as a director since August 2014. He served as a Senior Advisor to FTI Consulting, Inc. from July 2017 to April 2018. He served as the Senior Managing Director at CDG Group, LLC, a New York-based firm specializing in restructurings, mergers and acquisitions and crisis and turnaround management from 2002 until CDG Group, LLC was acquired by FTI Consulting, Inc. in July 2017. He previously served as Chairman and Chief Executive Officer of Accelerator, LLC, a provider of outsource services, from 2000 to 2002. He served as a Vice Chairman of Cendant Corporation from 1996 to 2000. In addition, Mr. Monaco served as the Executive Vice President and Chief Financial Officer of the American Express Company from 1990 to 1996. He was previously a director of iPayment, Inc., a leader in the payment processing industry, and the International Securities Exchange. Mr. Monaco also previously served as a director of I.D. Systems, Inc., a publicly traded company, from 2002 to June 2014. Mr. Monaco is also a Certified Public Accountant.
Michael P. Monaco,自2001年6月起担任公司董事。Monaco先生也担任Audit Committee, Compensation Committee 和 Nominating Committee of the Board的成员,并且是Audit Committee的主席。Monaco先生是CDG Group, LLC的高级执行董事,该公司总部位于纽约,关注重组、并购和危机与转机管理。2000年至2001年,他担任了Accelerator, LLC(外包服务提供商)的董事长和首席执行官。1996年至2000年,他担任了Cendant Corporation 的副董事长;1998年至2000年,他担任了 Direct Marketing Division of Cendant的首席执行官。1990年至1996年,Monaco先生担任the American Express Company的执行副总裁和首席财务官。Monaco先生目前是The International Securities Exchange(美国领先的一家期权交易所)的董事。Monaco先生早前曾于2002年至2007年11月WGI被URS Corporation收购期间担任Washington Group International, Inc.“WGI”(一家上市公司,为世界各地的企业和政府提供完整的工程、建设和管理服务)的董事;他也曾担任WGI的董事会审计委员会主席。 Monaco先生获得了Villanova University的会计学学士学位,和Fairleigh Dickinson University的工商管理硕士学位。 Monaco先生也是一名注册会计师。
Michael P. Monaco has served as a director since August 2014. He served as a Senior Advisor to FTI Consulting, Inc. from July 2017 to April 2018. He served as the Senior Managing Director at CDG Group, LLC, a New York-based firm specializing in restructurings, mergers and acquisitions and crisis and turnaround management from 2002 until CDG Group, LLC was acquired by FTI Consulting, Inc. in July 2017. He previously served as Chairman and Chief Executive Officer of Accelerator, LLC, a provider of outsource services, from 2000 to 2002. He served as a Vice Chairman of Cendant Corporation from 1996 to 2000. In addition, Mr. Monaco served as the Executive Vice President and Chief Financial Officer of the American Express Company from 1990 to 1996. He was previously a director of iPayment, Inc., a leader in the payment processing industry, and the International Securities Exchange. Mr. Monaco also previously served as a director of I.D. Systems, Inc., a publicly traded company, from 2002 to June 2014. Mr. Monaco is also a Certified Public Accountant.
Laura Newman Olle

Laura Newman Olle,2014年2月20日,她被任命为董事,2014年2月26日生效。2007年,她从Capital One Financial Corporation(专业从事信用卡,住房贷款,汽车贷款,银行和储蓄产品的公共上市银行控股公司)退休,她在该公司担任首席风险官。1999年,她加入Capital One,担任信息技术系统开发部高级副总裁;在加入Capital One之前,她是Freddie Mac信息系统和服务部高级副总裁。她在Marriott Corporation担任一些重要的信息技术职务,曾在Arthur Young and Company担任管理顾问。她是前注册公共会计师。


Laura Newman Olle has served as a director since February 2014. Ms. Olle retired from Capital One Financial Corporation, a publicly traded bank holding company specializing in credit cards, home loans, auto loans, banking and savings products, in 2007 where she served as Chief Enterprise Risk Officer. She joined Capital One in 1999 as Senior Vice President of Information Technology Systems Development. Prior to Capital One, Ms. Olle served as Senior Vice President of Information Systems and Services at Freddie Mac. She has also previously held key information technology positions at the Marriott Corporation and worked as a management consultant at Arthur Young and Company. Ms. Olle serves as a board member of Morgan Stanley Bank, N.A. MSBNA and Morgan Stanley Private Bank, National Association (MSPBNA), which are Morgan Stanley’s U.S. bank operating subsidiaries. Ms. Olle is a former Certified Public Accountant.
Laura Newman Olle,2014年2月20日,她被任命为董事,2014年2月26日生效。2007年,她从Capital One Financial Corporation(专业从事信用卡,住房贷款,汽车贷款,银行和储蓄产品的公共上市银行控股公司)退休,她在该公司担任首席风险官。1999年,她加入Capital One,担任信息技术系统开发部高级副总裁;在加入Capital One之前,她是Freddie Mac信息系统和服务部高级副总裁。她在Marriott Corporation担任一些重要的信息技术职务,曾在Arthur Young and Company担任管理顾问。她是前注册公共会计师。
Laura Newman Olle has served as a director since February 2014. Ms. Olle retired from Capital One Financial Corporation, a publicly traded bank holding company specializing in credit cards, home loans, auto loans, banking and savings products, in 2007 where she served as Chief Enterprise Risk Officer. She joined Capital One in 1999 as Senior Vice President of Information Technology Systems Development. Prior to Capital One, Ms. Olle served as Senior Vice President of Information Systems and Services at Freddie Mac. She has also previously held key information technology positions at the Marriott Corporation and worked as a management consultant at Arthur Young and Company. Ms. Olle serves as a board member of Morgan Stanley Bank, N.A. MSBNA and Morgan Stanley Private Bank, National Association (MSPBNA), which are Morgan Stanley’s U.S. bank operating subsidiaries. Ms. Olle is a former Certified Public Accountant.
Richard J. Srednicki

Richard J. Srednicki,2014年2月20日,他被任命为董事,2014年2月26日生效。2007年,他从JPMorgan Chase & Co(公开上市的跨国银行和金融服务持股公司)退休,他担任了7年的大通卡服务部首席行政官,摩根大通的运营部和执行委员会成员;在加入大通卡服务部之前,他是Home Services Division at Sears Roebuck & Co总裁,AT&T Universal Card Services总裁、Citibank Germany总经理、Citibank Card Services USA总经理以及Colgate Palmolive Company高级产品经理。他曾是Alliance Bank of Arizona和the Affinion Group, Inc的董事会成员直到最近。


Richard J. Srednicki has served as a director since February 2014. Mr. Srednicki retired from JPMorgan Chase & Co., a publicly traded multinational banking and financial services holding company, in 2007 following seven years as Chief Executive Officer of Chase Card Services and a member of the JPMorgan Chase Operating and Executive Committees. Prior to Chase Card Services, he was President of the Home Services Division at Sears Roebuck & Co., President of AT&T Universal Card Services, General Manager of Citibank Germany, General Manager of Citibank Card Services USA and a Senior Product Manager at Colgate Palmolive Company. He previously served as a board member of Alliance Bank of Arizona and the Affinion Group, Inc.
Richard J. Srednicki,2014年2月20日,他被任命为董事,2014年2月26日生效。2007年,他从JPMorgan Chase & Co(公开上市的跨国银行和金融服务持股公司)退休,他担任了7年的大通卡服务部首席行政官,摩根大通的运营部和执行委员会成员;在加入大通卡服务部之前,他是Home Services Division at Sears Roebuck & Co总裁,AT&T Universal Card Services总裁、Citibank Germany总经理、Citibank Card Services USA总经理以及Colgate Palmolive Company高级产品经理。他曾是Alliance Bank of Arizona和the Affinion Group, Inc的董事会成员直到最近。
Richard J. Srednicki has served as a director since February 2014. Mr. Srednicki retired from JPMorgan Chase & Co., a publicly traded multinational banking and financial services holding company, in 2007 following seven years as Chief Executive Officer of Chase Card Services and a member of the JPMorgan Chase Operating and Executive Committees. Prior to Chase Card Services, he was President of the Home Services Division at Sears Roebuck & Co., President of AT&T Universal Card Services, General Manager of Citibank Germany, General Manager of Citibank Card Services USA and a Senior Product Manager at Colgate Palmolive Company. He previously served as a board member of Alliance Bank of Arizona and the Affinion Group, Inc.
Ashish Masih

Ashish Masih,2014年2月起,他成为我们公司美国债务购买和运营部行政副总裁。他负责内部呼叫中心的运营、分析、法律的集合、市场营销和涉及资产验收附属业务的操作。在那之前,2010年至2014年2月,他在法律集合运营部担任高级副总裁;2009年,他加入公司,担任公司发展部高级副总裁;2001年至他加入公司,他在Capital One Financial Corporation工作,负责信用卡业务的收集和回收业务,还是Capital One业务部首席财务官兼首席分析师;在加入Capital One之前,他是McKinsey & Company项目运营经理、KPMG Consulting经理。他获有宾夕法尼亚大学沃顿商学院工商管理硕士学位、里海大学制造系统工程硕士学位以及德里印度理工学院机械工程学学士学位。


Ashish Masih served as a director and our President and Chief Executive Officer since June 2017. He had previously served as Executive Vice President and President of Midland Credit Management from November 2016 until June 2017 Executive Vice President, U.S. Debt Purchasing and Operations from February 2014 until November 2016 and Senior Vice President, Legal Collections Operations from 2010 until February 2014. Mr. Masih joined the Company in 2009 serving as Senior Vice President, Corporate Development. From 2001 until joining the Company, Mr. Masih was employed at Capital One Financial Corporation where he held senior roles in the Collections & Recoveries functions in the credit card business and was also chief financial officer and head of analytics for a business unit of Capital One. 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.
Ashish Masih,2014年2月起,他成为我们公司美国债务购买和运营部行政副总裁。他负责内部呼叫中心的运营、分析、法律的集合、市场营销和涉及资产验收附属业务的操作。在那之前,2010年至2014年2月,他在法律集合运营部担任高级副总裁;2009年,他加入公司,担任公司发展部高级副总裁;2001年至他加入公司,他在Capital One Financial Corporation工作,负责信用卡业务的收集和回收业务,还是Capital One业务部首席财务官兼首席分析师;在加入Capital One之前,他是McKinsey & Company项目运营经理、KPMG Consulting经理。他获有宾夕法尼亚大学沃顿商学院工商管理硕士学位、里海大学制造系统工程硕士学位以及德里印度理工学院机械工程学学士学位。
Ashish Masih served as a director and our President and Chief Executive Officer since June 2017. He had previously served as Executive Vice President and President of Midland Credit Management from November 2016 until June 2017 Executive Vice President, U.S. Debt Purchasing and Operations from February 2014 until November 2016 and Senior Vice President, Legal Collections Operations from 2010 until February 2014. Mr. Masih joined the Company in 2009 serving as Senior Vice President, Corporate Development. From 2001 until joining the Company, Mr. Masih was employed at Capital One Financial Corporation where he held senior roles in the Collections & Recoveries functions in the credit card business and was also chief financial officer and head of analytics for a business unit of Capital One. 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.

高管简历

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Ryan B. Bell

Ryan B.Bell于2011年9月加入公司,并担任越来越重要的职位,最近于2020年1月从MCM首席运营官Vice President晋升为MCM总裁。2000年9月至2011年8月,他在Capital One Financial Corp.担任越来越重要的职务,包括2009年1月至2011年8月,担任运营战略与执行总监。Bell先生以优异成绩从德州农工大学(Texas A&M University)获得管理信息系统学士学位,并从南卫理公会大学(Southern Methodist University)考克斯商学院(Cox School Business)获得工商管理硕士学位(从Beta Gamma Sigma毕业)。


Ryan B. Bell joined the Company in September 2011 and has served in positions of increasing responsibility and was recently promoted from Executive Vice President, Chief Operating Officer of MCM to President of MCM in January 2020. From September 2000 to August 2011 he held positions of increasing responsibility at Capital One Financial Corp. including as Director of Operations Strategy and Execution from January 2009 to August 2011. Mr. Bell earned a bachelor's degree in Management Information Systems graduating cum laude from Texas A&M University and an MBA (graduating Beta Gamma Sigma) from The Cox School Business at Southern Methodist University.
Ryan B.Bell于2011年9月加入公司,并担任越来越重要的职位,最近于2020年1月从MCM首席运营官Vice President晋升为MCM总裁。2000年9月至2011年8月,他在Capital One Financial Corp.担任越来越重要的职务,包括2009年1月至2011年8月,担任运营战略与执行总监。Bell先生以优异成绩从德州农工大学(Texas A&M University)获得管理信息系统学士学位,并从南卫理公会大学(Southern Methodist University)考克斯商学院(Cox School Business)获得工商管理硕士学位(从Beta Gamma Sigma毕业)。
Ryan B. Bell joined the Company in September 2011 and has served in positions of increasing responsibility and was recently promoted from Executive Vice President, Chief Operating Officer of MCM to President of MCM in January 2020. From September 2000 to August 2011 he held positions of increasing responsibility at Capital One Financial Corp. including as Director of Operations Strategy and Execution from January 2009 to August 2011. Mr. Bell earned a bachelor's degree in Management Information Systems graduating cum laude from Texas A&M University and an MBA (graduating Beta Gamma Sigma) from The Cox School Business at Southern Methodist University.
Craig A. Buick

Craig A.Buick自2020年1月起担任公司欧洲运营部门Cabot Credit Management“;Cabot”;的首席执行官。他于2016年1月加入Cabot Credit Management,担任首席财务官。从2002年8月到2015年12月,别克先生在GE Capital担任过多个高级财务和审计职位,包括GE Capital Bank(英国)的财务总监,GE Money(意大利)的首席财务官以及欧洲和亚洲内部审计董事总经理。从1990年1月到2002年7月,Buick先生在普华永道会计师事务所(PricewaterhouseCoopers)的澳大利亚、英国、俄罗斯和印度尼西亚的多个办事处担任职责递增的职位。别克先生是特许会计师协会(Institute of Chartered Accountants-Australia and New Zealand)的特许会计师,持有澳大利亚阿德莱德大学(Adelaide University,Australia)的经济学(商业)学士学位。


Craig A. Buick has served as the Chief Executive Officer of Cabot Credit Management “Cabot”, the Company’s European operating unit, since January 2020. He joined Cabot Credit Management in January 2016 as Chief Financial Officer. From August 2002 to December 2015 Mr. Buick held a number of senior finance and audit roles at GE Capital, including Financial Controller for GE Capital Bank (UK), Chief Financial Officer for GE Money (Italy) and Managing Director - Internal Audit for Europe and Asia. From January 1990 to July 2002 Mr. Buick served in positions of increasing responsibility at PricewaterhouseCoopers in various offices across Australia, United Kingdom, Russia and Indonesia. Mr. Buick is a Chartered Accountant (Institute of Chartered Accountants - Australia and New Zealand) and holds a Bachelor of Economics (Commerce) from Adelaide University, Australia.
Craig A.Buick自2020年1月起担任公司欧洲运营部门Cabot Credit Management“;Cabot”;的首席执行官。他于2016年1月加入Cabot Credit Management,担任首席财务官。从2002年8月到2015年12月,别克先生在GE Capital担任过多个高级财务和审计职位,包括GE Capital Bank(英国)的财务总监,GE Money(意大利)的首席财务官以及欧洲和亚洲内部审计董事总经理。从1990年1月到2002年7月,Buick先生在普华永道会计师事务所(PricewaterhouseCoopers)的澳大利亚、英国、俄罗斯和印度尼西亚的多个办事处担任职责递增的职位。别克先生是特许会计师协会(Institute of Chartered Accountants-Australia and New Zealand)的特许会计师,持有澳大利亚阿德莱德大学(Adelaide University,Australia)的经济学(商业)学士学位。
Craig A. Buick has served as the Chief Executive Officer of Cabot Credit Management “Cabot”, the Company’s European operating unit, since January 2020. He joined Cabot Credit Management in January 2016 as Chief Financial Officer. From August 2002 to December 2015 Mr. Buick held a number of senior finance and audit roles at GE Capital, including Financial Controller for GE Capital Bank (UK), Chief Financial Officer for GE Money (Italy) and Managing Director - Internal Audit for Europe and Asia. From January 1990 to July 2002 Mr. Buick served in positions of increasing responsibility at PricewaterhouseCoopers in various offices across Australia, United Kingdom, Russia and Indonesia. Mr. Buick is a Chartered Accountant (Institute of Chartered Accountants - Australia and New Zealand) and holds a Bachelor of Economics (Commerce) from Adelaide University, Australia.
Jonathan C. Clark

Jonathan C. Clark从2011年至2013年3月是SLM Corporation的执行副总裁兼首席财务官;从2009年1月到2011年1月是执行副总裁兼财务主管 ;从2008年9月到2009年1月是高级副总裁兼财务总监;从2008年3月至2008年9月是高级副总裁;从2000年到2007年是Credit Suisse Securities USA LLC的总经理,这是一个投资银行 。职责包括监督所有投资银行为客户的产品和服务的交付。Clark先生与该公司的雇佣关系截至2013年3月29日停止。


Jonathan C. Clark has served as Encore Capital Group, Inc. Executive Vice President, Chief Financial Officer and Treasurer since February 2015. Mr. Clark served as Chief Financial Officer of Midland Credit Management, Inc. (MCM), the Company's domestic operating subsidiary, since October 2014. Prior to that, Mr. Clark's most recent role was Executive Vice President and Chief Financial Officer of SLM Corporation, a publicly traded company more commonly known as Sallie Mae, where he served in such capacity from January 2011 until March 2013. Sallie Mae's primary business was to originate, service, and collect on student loans. He previously served in various other executive capacities at Sallie Mae, including Treasurer, beginning in 2008. Prior to joining Sallie Mae, Mr. Clark served in various capacities, most recently as Managing Director, at Credit Suisse Securities (USA) LLC, an investment bank, from 2000 to 2007 after having served in various executive roles at Prudential Securities, The First Boston Corporation, and a variety of other companies during his career. Mr. Clark received his bachelor's degree in economics from the University of Virginia in 1981 and his MBA from the Harvard Business School in 1985.
Jonathan C. Clark从2011年至2013年3月是SLM Corporation的执行副总裁兼首席财务官;从2009年1月到2011年1月是执行副总裁兼财务主管 ;从2008年9月到2009年1月是高级副总裁兼财务总监;从2008年3月至2008年9月是高级副总裁;从2000年到2007年是Credit Suisse Securities USA LLC的总经理,这是一个投资银行 。职责包括监督所有投资银行为客户的产品和服务的交付。Clark先生与该公司的雇佣关系截至2013年3月29日停止。
Jonathan C. Clark has served as Encore Capital Group, Inc. Executive Vice President, Chief Financial Officer and Treasurer since February 2015. Mr. Clark served as Chief Financial Officer of Midland Credit Management, Inc. (MCM), the Company's domestic operating subsidiary, since October 2014. Prior to that, Mr. Clark's most recent role was Executive Vice President and Chief Financial Officer of SLM Corporation, a publicly traded company more commonly known as Sallie Mae, where he served in such capacity from January 2011 until March 2013. Sallie Mae's primary business was to originate, service, and collect on student loans. He previously served in various other executive capacities at Sallie Mae, including Treasurer, beginning in 2008. Prior to joining Sallie Mae, Mr. Clark served in various capacities, most recently as Managing Director, at Credit Suisse Securities (USA) LLC, an investment bank, from 2000 to 2007 after having served in various executive roles at Prudential Securities, The First Boston Corporation, and a variety of other companies during his career. Mr. Clark received his bachelor's degree in economics from the University of Virginia in 1981 and his MBA from the Harvard Business School in 1985.
Gregory L. Call

Gregory L. Call,2011年9月起,他担任我们的高级副总裁、总顾问兼公司秘书。他负责监管公司的法律部门、企业风险管理、合规只能以及支持公司的内部法律集合的法律专业团队。2010年1月,他加入公司,担任法律及业务事务部副总裁;1999年至2008年,他担任Gateway(美国最强大的消费品牌,计算机制造商)副总裁兼总顾问;1999年至他加入公司,他是New Hope Legal Center股东;1994年至1999年,他是Milbank, Tweed, Hadley & McCoy LLP律师事务所(领先国际律师事务所)律师,负责复杂的商业诉讼和争端的解决事宜。1991年他获得美国杨百翰大学英语学士学位,1994年,他获得美国杨百翰大学法学院荣誉法学博士学位。


Gregory L. Call has served as Executive Vice President and Chief Administrative Officer since July 2017 and has served as our General Counsel and Corporate Secretary since September 2011. Mr. Call joined the Company in January 2010 serving as Vice President, Legal and Business Affairs. From 1999 until 2008 Mr. Call held various positions, culminating as Vice President, General Counsel, of Gateway, Inc. From 1999 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.
Gregory L. Call,2011年9月起,他担任我们的高级副总裁、总顾问兼公司秘书。他负责监管公司的法律部门、企业风险管理、合规只能以及支持公司的内部法律集合的法律专业团队。2010年1月,他加入公司,担任法律及业务事务部副总裁;1999年至2008年,他担任Gateway(美国最强大的消费品牌,计算机制造商)副总裁兼总顾问;1999年至他加入公司,他是New Hope Legal Center股东;1994年至1999年,他是Milbank, Tweed, Hadley & McCoy LLP律师事务所(领先国际律师事务所)律师,负责复杂的商业诉讼和争端的解决事宜。1991年他获得美国杨百翰大学英语学士学位,1994年,他获得美国杨百翰大学法学院荣誉法学博士学位。
Gregory L. Call has served as Executive Vice President and Chief Administrative Officer since July 2017 and has served as our General Counsel and Corporate Secretary since September 2011. Mr. Call joined the Company in January 2010 serving as Vice President, Legal and Business Affairs. From 1999 until 2008 Mr. Call held various positions, culminating as Vice President, General Counsel, of Gateway, Inc. From 1999 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.
Ashish Masih

Ashish Masih,2014年2月起,他成为我们公司美国债务购买和运营部行政副总裁。他负责内部呼叫中心的运营、分析、法律的集合、市场营销和涉及资产验收附属业务的操作。在那之前,2010年至2014年2月,他在法律集合运营部担任高级副总裁;2009年,他加入公司,担任公司发展部高级副总裁;2001年至他加入公司,他在Capital One Financial Corporation工作,负责信用卡业务的收集和回收业务,还是Capital One业务部首席财务官兼首席分析师;在加入Capital One之前,他是McKinsey & Company项目运营经理、KPMG Consulting经理。他获有宾夕法尼亚大学沃顿商学院工商管理硕士学位、里海大学制造系统工程硕士学位以及德里印度理工学院机械工程学学士学位。


Ashish Masih served as a director and our President and Chief Executive Officer since June 2017. He had previously served as Executive Vice President and President of Midland Credit Management from November 2016 until June 2017 Executive Vice President, U.S. Debt Purchasing and Operations from February 2014 until November 2016 and Senior Vice President, Legal Collections Operations from 2010 until February 2014. Mr. Masih joined the Company in 2009 serving as Senior Vice President, Corporate Development. From 2001 until joining the Company, Mr. Masih was employed at Capital One Financial Corporation where he held senior roles in the Collections & Recoveries functions in the credit card business and was also chief financial officer and head of analytics for a business unit of Capital One. 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.
Ashish Masih,2014年2月起,他成为我们公司美国债务购买和运营部行政副总裁。他负责内部呼叫中心的运营、分析、法律的集合、市场营销和涉及资产验收附属业务的操作。在那之前,2010年至2014年2月,他在法律集合运营部担任高级副总裁;2009年,他加入公司,担任公司发展部高级副总裁;2001年至他加入公司,他在Capital One Financial Corporation工作,负责信用卡业务的收集和回收业务,还是Capital One业务部首席财务官兼首席分析师;在加入Capital One之前,他是McKinsey & Company项目运营经理、KPMG Consulting经理。他获有宾夕法尼亚大学沃顿商学院工商管理硕士学位、里海大学制造系统工程硕士学位以及德里印度理工学院机械工程学学士学位。
Ashish Masih served as a director and our President and Chief Executive Officer since June 2017. He had previously served as Executive Vice President and President of Midland Credit Management from November 2016 until June 2017 Executive Vice President, U.S. Debt Purchasing and Operations from February 2014 until November 2016 and Senior Vice President, Legal Collections Operations from 2010 until February 2014. Mr. Masih joined the Company in 2009 serving as Senior Vice President, Corporate Development. From 2001 until joining the Company, Mr. Masih was employed at Capital One Financial Corporation where he held senior roles in the Collections & Recoveries functions in the credit card business and was also chief financial officer and head of analytics for a business unit of Capital One. 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.