Steve has been involved in credit management since leaving school and is a Founding Board Member and Fellow of the Association of Credit Professionals (FACP).

He is also a Fellow of the Institute of Credit Management, where he served as Chairman of the East Midlands Branch.

Steve has been developing and presenting training courses for a number of years and has earned an enviable and impressive reputation, culminating in being recognised as one of the leading experts in the credit management profession.

No one sleeps while Steve is on!  Delegates attending his courses are guaranteed a highly enthusiastic and lively session.

Steve has immense ability in ensuring participation by all delegates.  This, combined with his considerable ability to impart essential information in a most interesting, easily understood manner, enables delegates to return to their work places highly motivated, with increased confidence and vital knowledge, which they can put to good use immediately to their company’s benefit.

His energy, commitment and dedication to the cause will drive the ACP forward. You can email Steve here - steve@aocp.org.uk

With around 6 years exeprience writing about the credit industry Stephen likes to consider himself to be one of the very few credit management specific journalists around.

In Autumn 2005 he put this to the test by starting a brand new magazine for the industry called Credit Collections and Risk (CCR to everyone) which has now struck a major partnership with the Association of Credit Professionals to be its primary voice to the industry.

A Yorkshireman by origin, Stephen is a keen fan of Rugby League and Bradford City football club. You can email Stephen here -  stephen@aocp.org.uk

Gary has over 15 years Credit Management experience. A Geordie who is an avid Newcastle United fan, Cricketer and Scuba Diver!

Gary is currently living and working in Leeds for top law firm Eversheds where he runs their Credit Control function from two sites - Leeds and Cardiff.

Gary started his career suing people whilst training to be a lawyer in his native North East. He enjoyed it so much he moved to run a Legal Department for a large international debt collection agency – at the same time becoming their youngest ever Manager. He then moved into Credit Management.

Gary has progressed more in Credit Management in the last few years than most Credit managers do in a whole Career. Gary has taken on and succeeded in a number of Challenging Roles for Blue Chip Organisations such as Electrolux Outdoor Products, P&O Ferrymasters and Adecco the worlds number one recruitment agency. He has a great belief in his people, keeping them interested and developed so they themselves are able to progress in worthwhile Careers.

He is a member of both the ACP and the ICM. You can email Gary here - garyst@aocp.org.uk

Jonathan Swan FICM, FACP spent ten years in senior management for Dell Inc. and has been a Credit Manager since 1984. The role at Dell centred around world-class cash collections, low DSO, low Bad Debt exposure and successful dispute management.. He played an influential role in a number of related projects all of which contributed to Dell’s superb cash generation, the most recent of these being the successful introduction of Outsourcing Receivables and the transfer of UK Cash Collections activity to India.

Jon’s experience with Dell included working across the EMEA region bringing improvements in several countries, including Germany and France.

Since leaving Dell in February 2006 Jon has established a Credit Management Consultancy and Training Company, J&S Associates, specialising in delivering Credit Control Training to the Public Sector as well as Private businesses.

Jon has presented and Chaired at several Credit Conferences, including the ICM National Conference in 2005, the Credit Today National Conference at the NEC in 2001 and 2006 and the IQPC Conference in 2004. In 2003 he formed part of the steering committee for the new Foundation Degree in Credit Management at Thames Valley University and has been a judge for the prestigious Credit Today Awards, held annually, since it’s inception.

Apart from being a Fellow of the ICM, Jon is also a founding member of the European Credit Forum and is on the steering committee. Jon is also a Founding Member of the Association of Credit Professionals and is the Director of Communications for the ACP.

Jon is now owner of a Credit training and consultancy business J&S Associates. You can email Jon here - jon@aocp.org.uk

Paul left school and went into electrical goods retail and had a keen interest into the workings behind Retail Finance.  In 1997 Paul moved from that into a role with a firm specialising in sub-prime lending selling financial products that inevitably had to be collected, and so started an speedy career into Credit Management.

After a few short stints in different industries he took up a position in Countrywide Freight Group where he managed the collections for 4 depots.  This meant spending a lot of time in the Republic of Ireland as he took a proactive approach to get the job done right.  From this he went on to Vodafone Northern Ireland which he will admit wasn’t a role full of glory although he did become a little more familiar with SOX legislation than he would have liked to.

Paul took up his current position as Credit Manager with Lynas Foodservice Ltd in 2007 just in time for the Credit Crunch and will admit it hasn't stopped since and I doubt he would want it any other way!

Henry is currently Head of Billing and Collection at Dwr Cymru Customer Services and is responsible for data collection, billing and credit management.  With a career history in IT, Project Management and Contract Management he has brought a number of skills from other disciplines into Credit Management.  Combining these skills with his extensive knowledge of the Water Utility Industry has led to a step change in performance with DSO and Bad Debt Charge both falling while Sales increased. 

Henry believes this success is down to setting a clear vision and a credit management strategy to support the vision.  By then challenging and developing people and processes to deliver the change required to deliver the vision. Henry has had three of his staff win Credit Today awards and was both proud and embarrassed that they felt it appropriate to nominate him for the Leading Wales awards.

He has had articles and papers published on a wide variety of collection topics and he tries to speak once or twice a year on a subject that interests him. Henry serves on the board of the ACP, the Credit Collections and Risk Editorial Advisory Board, and is a judge for the Credit Today Awards as well as sitting on the Water UK Debt Focus Group. 

Henry studied at the London School of Economics and Political Science graduating with a Master of Philosophy in Operational Research, a Master of Science in Operational Research and a Bachelor of Science in Statistics and Computer Science.

He is a member of both ACP and ICM. You can email Henry here - henry@aocp.org.uk

George Miles formed Paladin Commercial in 1997, providing him with nearly 10 years of experience running a collection business. Paladin has been responsible for returning over one hundred million pounds worth of outstanding debt back to a range of companies, from FTSE quoted businesses to Sole Traders.

He is particularly interested in the role of Debt Counselling within the credit function believing that the function is not just about debt collection but also about debt prevention.

He is looking forward to working with like minded professionals within the ACP to acheive a more open and sharing credit community. You can email George here - george@aocp.org.uk

Teresa started her career as a Judge’s Clerk in Bristol County Court but quickly moved to Welbeck Finance as a para legal then Lloyds Bowmaker in 1987 to supervise their mobile phone leasing department.

In 1989 she joined IAF Group plc as Credit Control manager responsible for heading up their credit control department for leasing, HP and mortgage portfolios.

In 1992, she was appointed Operations Director for the group and became a Director of a number of companies within the group.

In 1996, Teresa was tasked with selling one of the companies that no longer fitted the group’s profile. She completed this sale in 1998 to G E Capital. After the sale Teresa joined Credit and Business Services Limited as Director of Legal and Financial Services. CBS Ltd was a family owned business and she was a member of the senior management team running the business on a day to day basis.

As Head of the legal department, Teresa also had responsibility for all HR matters within the business. In 2004, due to her experience in all areas of the business and hungry for a new challenge, she moved into Business Development. You can email Teresa here - teresa@aocp.org.uk