With 14 years consultancy experience during which he successfully delivered major collections and recovery consultancy and change, Aleks is now Managing Director of Arum. Aleks has been responsible for the development of Arum's entire collections and recovery business and technical consultancy. As Principal Consultant he continues to provide business and project 'HealthCHECKs', best practice and project turnaround consultancy, training and mentoring. His sector experience includes financial services, utilities and government.

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Our Director of Systems Consultancy, Andy has completed successful collection assignments in a large number of major organisations across Europe. Formerly with FICO/London Bridge he now provides best practice consultancy and training to major organisations and is responsible for the development of Arum's much respected Systems consultancy team. Andy is also the creator of our highly effective Debt Manager Systems HealthCHECK.

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Over 30 years experience in the Credit Risk and Collections arena operating at both senior operational and consultancy levels. This, for the past 9 years has included leading and managing a multitude of credit management consultancy projects in over 20 countries. Currently operating as Principal Consultant for Arum, Peter heads up the Business Consultancy arm where he is responsible for the successful delivery of a range of business improvement and turnaround projects from initial objective setting and strategising to successful implementation and roll out. His specific sector experience covers the banking, retail, financial services and utilities industries.

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Jonathan heads up Arums Business Development and Marketing function. Jonathan has a wealth of successful business development experience across a number of sectors. He is skilled and experienced at quickly identifying and understanding our clients' businesses, the challenges and the opportunities for improvement. Jonathan is responsible for developing Arum's client base, profile and reputation covering all Arum services and offerings.
 

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Over 20 of Malcolm's 35 years in the IT industry were spent in financial services. For over 10 years now he has successfully managed enterprise accounts and sold financial services solutions in the UK and overseas including continental Europe, the Middle East and South Africa. Malcolm has both a sales and engagement management role at Arum.

Malcolm:

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Kenny is a Senior Business Development Manager with over 20 years’ experience which spans multiple sectors having gained extensive experience and knowledge through working with some of the world’s largest “blue chip” organisations including IBM, Royal Bank of Scotland, SAP and more recently KPMG. Kenny is responsible for continuing to build Arums client base as well as managing some of our most important client relationships.



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Harry had a 37 year career in the insurance industry, mainly in marketing roles, and was responsible for the development and promotion of many niche products and markets. In his final role before retirement his responsibilities included the CRM system, E-commerce, brand management, corporate planning, research and internal and external communications. Harry joined Arum 2006 to assist the managing director with marketing and business management. In his current role as Company Secretary he is responsible for financial control, HR, company administration CSR and company secretarial matters.

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Kaska initially joined Arum as a Business Administrator and after finishing her postgraduate degree in Accounting and Finances of Enterprises in June 2011 has now taken up the role of Financial Controller. This role encompasses the accounting, monitoring and implementation of financial controls in Arum. Before becoming a member of Arum's team, Kaska worked in accounting in Poland, Denmark and the UK gaining vital and necessary accounting experience. She is currently responsible for the preparation of management accounts, forecasts and budgets as well as overall control of Arum finances.

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With over 7 years experience in the financial services sector, Nick brings substantial expertise in collections systems design and integration. He was a key developer for the implementation of a collections system in a UK bank and consultant on major regulatory driven collections and recovery design changes. Nick has also been a developer, senior developer and team lead for a UK bank software development team delivering Rich Internet Applications.

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Andy Rayne has over 10 years of experience in the IT industry and has been involved in the RIA space since 2003. One of the original members of iteration::two, the company that invented the Cairngorm platform for Flex, Andy went on to work for several years as a Technical Architect for Adobe leading and working on some of the largest RIA projects in Europe and the US.

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Angie is a skilled Risk and Collections professional with extensive experience of the operational management of large and small collections teams engaged across the full spectrum of products and delinquency levels. Angie is recognised as a strong deliverer and problem solver with an eye for detail, underpinned by a passion for business improvement and a detailed knowledge of compliance. She has a strong track record of successfully delivering on high focus programmes to improve collections performance. Angie has 20+ years experience in the collection of credit in financial services, DCAs and as Risk Director in a BPO. She has worked on collections, recoveries and legal processes in secured, unsecured and utilities debt. She is a Member of the Institute of Credit Management.

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David is a credit and collections professional with an extensive track record in both senior operational and strategic roles. He has over 15 years experience gained in 2 leading UK financial services institutions and a major UK Debt Collection Agency. In that time he has successfully led both small and large scale teams across all elements of the credit and collections process including DCA management and Debt Sale. This experience has extended across all retail banking products and arrears stages. David has significant experience of leading and implementing strategic, operational and cultural change to deliver enhanced bottom line results. He is comfortable working at both the strategic and operational level and is recognised as having strong commercial awareness with excellent analytical skills. David is a Chartered Member of the Institute of Bankers in Scotland.

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Scott is a highly skilled Collections and Recoveries professional with over 17 years financial services experience and 11 years specialising in the collection & recovery of mortgage, secured and unsecured debt from pre-paid to pre-dca. As Head of Collections he has led the credit strategy & operational management of a UK wide division with large and small collections teams and has a strong track record of successfully delivering short, medium & long-term business & cultural change on key programmes to improve collections and increase bottom line profit. He is a strong deliverer and problem solver with an eye for detail combined with a passion for continuous business improvement and detailed knowledge of collections processes, training and TCF. He also has wide experience of trialling new collections & recoveries concepts and creating engaging & powerful training programmes to develop employees and is a Champion of TCF . Most recently creating a full Mortgage Arrears training programme for a UK bank. Scott is also a Member of the Institute of Credit Management.

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Karl has over 20 years experience in Credit Management the last 13 of which have been in Operational Management, specialising in Collections and Recoveries. He has extensive knowledge and expertise of the processes and technological systems which maximise results in a Collections environment, with proven experience of driving performance improvements from the operations and 3rd party suppliers throughout the industry. Karl also has extensive knowledge of short, medium and long term planning processes as well as proven experience of complete transitional business change in operational effectiveness, technology and compliance, which he gained as Head of Collections in a strategic business unit of a major Retail Bank.

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Stuart has 19 years experience working within the Collections and Recoveries industry. He has worked on a variety of different projects in the UK and Europe since joining Arum's well respected Credit Systems team, including Debt Segmentation, Dialler Integration, Systems HealthCHECK, Systems Selection as well as many roles working as an analyst and developer on FICO's Debt Manager. His personable manner and can do attitude combined with the experience garnered ensures that Stuart gives customers confidence in his ability to deliver business objectives.

Stuart:
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With over 15 years experience in the Financial Services sector, Stuart has covered all areas of collections and recoveries including process re-engineering and policy creation. Stuart has extensive experience in Debt Manager (DM) as an analyst, developer and in support for over 5 years. Stuart has a track record of responding positively to challenges which helps to ensure effective solution implementation.

Stuart:
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Matthew has extensive experience in Collections and Recovery (Strategy, Operations and Systems)and has worked on over 10 major Consultancy projects with Arum including Systems Selection, Implementation, Migration, HealthCHECKs, Change Programmes and Business As Usual operations. With a wide range of IT skills, including FICO's Debt Manager (DM) and CMC's FlexCollect, Matthew is an enthusiastic and engaging member of the Arum team. With experience of all areas of the software development lifecycle from business analysis to testing and documentation Matthewensures that business customers are kept at ease and have confidence in his ability to deliver the business objective.

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Callum has a diverse range of experience in different business areas, from banking and sales to IT and support. Having worked abroad in Australia and New Zealand, he has gained valuable experience and confidence in delivering objectives and engaging with business customers. Callum has lots of enthusiasm and is excited to learn and contribute to Arum as the business grows from strength to strength.

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Ridhhima is a management postgraduate with over 3 years of analyst experience in the IT industry. She has worked at various stages of software development lifecycle including software testing, business analysis, quality assurance and client communications. Multilingual with fluent French and intermediate Spanish, her exposure to European culture has helped her in enhancing her interpersonal and communication skills. Ridhhima is hard working, determined and always eager to learn new things. Her strong analytical and problem solving skills provide a good base for an excellent career in consulting.

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Tracy has a background in industrial engineering with experience in operational process design and project management. Tracy has gained a strong ability to view businesses analytically and deliver solutions of improvements according to a client's need. Her exposure to multiple areas or departments has helped her understand ways of managing projects in different working environments. Tracy has recently finished a Master's in Management at the University of Edinburgh with emphasis in corporate strategy, negotiations and business economics.

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