Speaker Profiles

The Think Tank speakers are a gathering of credit and collections professionals with extensive experience across multiple sectors. Here are the 2026 Autumn Think Tank speakers.

Chris Warburton

EVENT CHAIR

Director, ROStrategy


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Chris  Warburton has spent over 15 years in executive roles, leading transformation and delivering performance improvements in businesses in the UK, Canada and across many other markets around the world.

With a passion for new ideas, technology and process innovation, he helps teams find new ways of working to improve performance. Chris frequently speaks at events and conferences. He is always keen to look ahead of the curve, demystify and share experience with a wider audience.  For him, it is all about helping create great conversations in order to generate great solutions.

Data minded and people orientated his experience spans sectors from financial services, telecommunications and more recently in an advisory role in consultancy. He has specialist knowledge across the customer lifecycle, from Account Origination to Fraud, Account management, Collections and Recoveries. He is currently working on a series of videos exploring the latest ideas, innovation and technology in Credit and Collections.  The conversation is available at RO-AR.com.

Chanuka Perera

SPEAKER PANELIST

Head of Lending Products and Underwriting at Bumper


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Chris Leslie

SPEAKER PANELIST

Chief Executive at the Credit Services Association (CSA)


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Chris Leslie joined the Credit Services Association (CSA) as Chief Executive in August 2020, having formerly served as MP for Nottingham East since 2010 and for Shipley from 1997 to 2005. He was a Minister overseeing courts, local government and the Cabinet Office – and in opposition was shadow City Minister and then Shadow Chancellor of the Exchequer in 2015. He was Director at New Local Government Network from 2005 – 2010.

Maria Georgiou

SPEAKER PANELIST

Head of Payment Solutions Operations at Utility Warehouse


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Maria is an experienced operations leader with over 12 years in debt and collections, affordability and customer outcomes. A passionate advocate for vulnerable customers, she specialises in transforming collections journeys, championing industry best practice and finding smarter ways to balance technology, commercial performance and genuinely empathetic customer support.

Anna Roughley

SPEAKER PANELIST

Director, Unsecured Consumer Credit at UK Finance


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Profile to follow soon…

Russell Hamblin-Boone

SPEAKER PANELIST

Chief Executive Officer at the Civil Enforcement Association (CIVEA)


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Russell Hamblin-Boone was appointed Chief Executive Officer of the Civil Enforcement Association (CIVEA) in January, representing around 2000 enforcement agents who collect civil debt on behalf of local authorities. For almost five years he was CEO of the Consumer Finance Association (CFA) and led reform of short-term lending practices during a period of intense political and media scrutiny. He has been described as doing more than anyone else to build the intellectual case for a high-cost, short-term credit market in the UK. For the second year running Russell was named in the Credit 500, as one of the fifty top influencers. He has also held senior positions at the Finance and Leasing Association (FLA) and the Energy Retail Association, now known as Energy UK, where he helped to set up the first trade association dedicated to energy suppliers. He has worked in Downing Street and as private secretary to the Leader of the House of Lords.

James Hill

SPEAKER PANELIST

Chief Executive Officer from Flexys


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James is an experienced fintech leader. He is passionate about real-time technology and its ability to transform outcomes. As CEO of Flexys, James focuses on improving results for collections operations and their customers. Flexys leads the way in collections technology, enabling organisations to collect more efficiently. This reduces friction for people in arrears, helping them to achieve a faster resolution.

Brendan Twomey

SPEAKER PANELIST

Group Chief Technology Officer at Pepper Advantage


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Brendan Twomey is an accomplished technology leader with over 25 years’ experience delivering complex strategies for leading UK banks and fintechs. Most notably, at 10x Banking, he played a pivotal role in scaling the company’s technology architecture, building its product pipeline, and delivering enterprise-grade solutions for innovative financial institutions worldwide. He has also held senior roles at Lloyds Banking Group and the Royal Bank of Scotland, leading large-scale transformation initiatives and modernising legacy systems.

As Chief Technology Officer at Pepper Advantage, Brendan is responsible for setting and leading the company’s global technology vision and strategy. He oversees the development of Pepper Advantage’s proprietary platforms, including PRISM, ensuring scalability, security and operational excellence. Brendan also leads tech innovation strategies across the group, driving the integration of emerging technologies to strengthen client solutions and improve performance.

Based in London, Brendan is passionate about building high-performing, collaborative teams and creating a culture of innovation, agility and continuous learning.

Ryszard Jedrzejewski

SPEAKER PANELIST

Chief Product Officer at Salad


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Ryszard is a product and technology leader with extensive experience delivering digital transformation across credit businesses and financial services. His expertise spans product strategy, data, platform delivery and scaling technology-led propositions from concept through to launch

James Syron

SPEAKER PANELIST

Head of Partner Performance and Funding at StepChange


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James Syron has spent more than 25 years working across credit, collections, data and technology. He has held senior leadership roles at Callcredit, Experian and fintech businesses.

His experience spans the full credit lifecycle, with expertise in using data, decisioning and digital technology to better understand customer behaviour and improve outcomes. At StepChange, James focuses on helping partners get more value from working with the charity, improving performance, strengthening collaboration and enabling more customers to access effective debt support. He is particularly interested in how technology can remove barriers rather than create them, making things simpler for people and helping organisations support customers more effectively.

Mark Morrall

SPEAKER PANELIST

Founder and Managing Director at Indigo Cloud


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Mark is the Founder and Managing Director of Indigo Cloud Ltd, a UK software company he established in 2012 to serve the credit and debt collection industry. He leads the design and development of DebtView, a multi-tenant cloud CRM built on Microsoft Azure that supports collection agencies and creditors across multiple sectors. Throughout his career, Mark has worked in hands-on debt collection operations, database administration, software development, business intelligence, and business analysis. That rare mix of frontline industry experience and technical depth shapes his practical approach to building technology, with a strong focus on regulatory compliance, data security and real-world usability. He aims to give the industry tools that make collections simpler, faster and smarter, without compromising on quality or control.

Hans Zachar

SPEAKER PANELIST

Chief Executive Officer at Nutun


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Hans joined Nutun in March 2023 with 19 years of technology experience across multiple industries, including financial services, telco, retail and insurance. Hans previously served as the Chief Product Officer for TransUnion Africa, with responsibility for developing and maintaining innovative customer engagement and credit risk management solutions leveraging the latest digital and analytics technologies. Hans also held the role of Managing Director of Technology Strategy at Accenture, specialising in technology-led business transformation, and led several major transformation initiatives across the Africa continent.

Mark Hayward

SPEAKER PANELIST

Head of AI at Lowell


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Mark leads Lowell’s AI vision and strategy, driving how we embed AI across our business to deliver better outcomes for customers and stronger performance for clients and investors.
With over 20 years’ experience in data science and analytics, he has a proven track record of delivering large-scale, innovative solutions, from predictive modelling and decision engines to advanced data integration and AI.
Today, Mark is focused on scaling practical, high-impact AI that transforms how we operate across frontline, customer journeys and internal functions. He is passionate about moving AI beyond experimentation and into everyday business value, combining strong governance with rapid delivery to ensure AI is trusted, scalable and impactful. His vision is to empower colleagues with intelligent tools that enhance decision-making, improve customer experiences and unlock sustainable competitive advantage across the organisation. To date, he has led the delivery of several transformational AI initiatives, generating measurable benefits and achieving in-year returns while establishing the foundations for Lowell’s long-term AI capability.

Sarah-Jane Mulreay

SPEAKER PANELIST

Client Services Director at Advantis Credit


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Profile to follow…

Mark Oppermann

SPEAKER PANELIST

Director - Conversational AI - Business Development at Aryza


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Mark has over 25 years’ experience delivering transformational customer engagement solutions to some of the most successful businesses in the UK and Europe.
Passionate about understanding the key drivers of a business before getting any technology involved, as this allows for a wider enterprise appreciation for the best solution needed to deliver maximum value to both the business and its customers. Mark’s approach is to get the whole team involved, starting with simple solutions and iterating along the way to complexity.
His favourite saying is, “If you make it easy for your customers to engage, don’t be surprised when they do it lots.”