Who are Encore Capital Group's decision-makers?
Encore Capital Group's top decision-makers include Ashish Masih and Tomas Hernanz, with business-unit, technology, finance, procurement, legal, security, and compliance leaders involved depending on the purchase.
- CEO
- Ashish Masih
- CFO/key exec
- Tomas Hernanz
- Founded
- 1953 predecessor / 1999 Encore
- Employees
- Approximately 8,000
- HQ
- San Diego, CA
- Prior exit/Notable
- IPO
- Ashish MasihPresident and Chief Executive OfficerCEO since 2017Leads global strategy and consumer-credit portfolio operations.
- Tomas HernanzExecutive Vice President and Chief Financial OfficerCFO since April 2025Leads finance, capital raising, treasury, and investor relations.
- Ryan BellPresident, Midland Credit ManagementBusiness-unit presidentLeads U.S. collections and consumer operations.
- Monique DumaisChief Information OfficerTechnology leaderLeads technology, data, and systems.
Who leads Encore Capital Group?
Ashish Masih leads Encore Capital Group as President and Chief Executive Officer. The leadership bench also includes Tomas Hernanz (Executive Vice President and Chief Financial Officer), Ryan Bell (President, Midland Credit Management), Monique Dumais (Chief Information Officer).
The strongest outreach starts with the executive sponsor for the business problem, then maps finance and technology stakeholders before procurement begins.
Who actually makes buying decisions at Encore Capital Group?
Strategic purchases usually involve the business-unit owner, CFO organization, procurement, legal, security, and IT architecture. In regulated or transaction-heavy workflows, compliance and risk teams may have veto power.
A seller should identify whether the project is growth, risk, infrastructure, data, or operations led, because each path has a different executive sponsor and proof standard.
How is Encore Capital Group organized as it scales?
Encore Capital Group combines corporate functions with business units that own products, channels, markets, or regulated operations. Central teams set security, finance, data, and procurement standards, while local or product teams own adoption and outcome metrics.
That structure rewards land-and-expand motions only when the first deployment produces measurable improvement and can be repeated across offices, channels, or portfolios.
As of June 2026.Sources:Encore 2025 Form 10-KEncore leadershipEncore CFO biography
Encore Capital Group — frequently asked questions
