Executive Leadership Team

Ashish Masih
President and Chief Executive Officer

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 he served as President of Midland Credit Management (MCM), Encore’s largest business unit. He also oversaw Encore’s Asset Reconstruction Company based in India, which is a joint venture with the International Finance Corporation (IFC) and a private equity firm. Mr. Masih also served in additional roles at Encore in operations and 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 the U.S. Secretary of Commerce 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. He also currently serves as a Trustee of the Committee for Economic Development (CED) of The Conference Board, a leading non-profit business-led public policy organization.

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 in New Delhi, India.

Ryan Bell
President, Midland Credit Management, Inc.

As President of Midland Credit Management, Inc., Mr. Bell oversees Encore’s U.S. debt purchasing line of business. Mr. Bell is responsible for the strategic direction and financial performance of this business subsidiary. Previously, as Executive Vice President and Chief Operating Officer, Mr. Bell was responsible for all operational units of Midland Credit Management, Inc. As Senior Vice President of Operations, Mr. Bell led Encore’s internal legal, legal outsourcing, and bankruptcy operations. He previously 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 a Vice President.

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.

Craig Buick
Chief Executive Officer of Cabot Credit Management

Craig Buick is the Chief Executive Officer of Cabot Credit Management since January 2020. In this role, Mr. Buick oversees all of Encore’s European businesses. He joined Cabot Credit Management in January 2016 as Chief Financial Officer, and has a deep understanding of its operations, products and the complex European markets.

Previously, Mr. Buick spent thirteen years at GE Capital in a number of senior finance and audit roles, including Financial Controller for GE Capital Bank (UK), Chief Financial Officer for GE Money (Italy) and Managing Director – Internal Audit for Europe and Asia. Mr. Buick began his career with twelve years at PricewaterhouseCoopers, working 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.

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.

Steve Carmichael
Senior Vice President, Chief Risk and Compliance Officer

Steve Carmichael joined Encore Capital Group in 2021 and serves as Senior Vice President, Chief Risk and Compliance Officer. Mr. Carmichael is responsible for the leadership and oversight on enterprise-wide risk and risk governance for all of Encore, inclusive of all global business units and types of risks. He also oversees Encore’s compliance function, while providing expertise for the development, implementation and monitoring of compliance framework, strategy, and control systems.

Previously, Mr. Carmichael spent eight years at Discover Financial Services, where he most recently served as Head of Enterprise and Financial Risk Management, with responsibility of the company’s enterprise, credit, liquidity, market and counter-party risk functions. Prior to this role, he also served in other notable risk capacities, including Chief Compliance Officer and Head of Corporate Risk Strategy. Before joining Discover, Mr. Carmichael held senior strategic roles at other large financial institutions, including Capital One, HSBC and Wells Fargo.

Mr. Carmichael holds a Bachelor of Arts from Vanderbilt University, an MBA from the University of Michigan, and is a graduate of the Wharton Advanced Risk Management Program at the University of Pennsylvania.

Jonathan Clark
Executive Vice President and Chief Financial Officer

Jonathan C. Clark is Encore Capital Group’s Executive Vice President, Chief Financial Officer and Treasurer, serving in this capacity since February 2015. In this role, Clark is responsible for managing relationships with the investment community, leading capital raising efforts, 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 shareholder 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
Senior Vice President, Chief Information Officer

Monique Dumais-Chrisope joined Encore Capital Group in 2019 and serves as Senior Vice President, 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.

Tracy Ting
Senior Vice President, Chief Human Resources Officer

Photo of Tracy TingTracy Ting joined Encore Capital Group in 2019 and serves as Senior Vice President, Chief Human Resources Officer, bringing more than two decades of combined finance and HR expertise. In this role, Ms. Ting provides global enterprise leadership, strategic vision and functional expertise to Encore’s Human Resources and Corporate Communications functions.

Ms. Ting comes to Encore from Avanir Pharmaceuticals where she was their Chief People Officer. As a high-performing leader with an influential mindset and a creative strategist, she drove key business objectives and set strategic direction for people and overall culture towards innovation, growth and accountability. Prior to Avanir, Ms. Ting served as the Senior Vice President and Chief Human Resources Officer at Affymetrix, a public global life science tools company, up until its acquisition by Thermo Fisher Scientific in 2016. Ms. Ting was pivotal as part of the executive team that led the company’s successful turnaround and cultural transformation. Prior to Affymetrix, Ms. Ting worked at Varian Medical Systems, the global market leader in radiation oncology, for 15 years and held various leadership roles in HR and Finance and contributed toward its worldwide growth from 1,900 to 8,000 employees. Prior to Varian, Tracy worked at PricewaterhouseCoopers LLP (formerly Coopers & Lybrand LLP) in Los Angeles.

Tracy holds a Bachelor’s degree in Communications Studies with an emphasis in Business Administration from the University of California, Los Angeles.

John Yung
Senior Vice President, Chief Global Strategist and Growth Officer

John Yung joined Encore Capital Group in July 2015 and currently serves as Senior Vice President, Chief Global Strategist and Growth Officer. In this role Mr. Yung oversees the global development of new product and markets. Additionally, Mr. Yung is the Group Executive responsible for Latin America and Asia Pacific overseeing the business of Encore Asset Reconstruction Company (EARC) in India and portfolio investments located in Colombia, Peru, Mexico and Brazil. Mr. Yung previously served as the Chief Executive Officer of Baycorp, a former Encore Capital Group Company, for two years, leading a turnaround of the Australian and New Zealand businesses. 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 was a co-founder of ZenBanx Holding Ltd., an international fintech company which was acquired by Sofi. Prior to that, Mr. Yung held several positions at ING Direct USA, including Head of Consumer Lending and Head of Customer Research and Analytics. Mr. Yung also served in executive positions with Bank of America, MBNA and Sears Roebuck and Co.

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.