Encore Capital Group, Inc. is an international specialty finance company that provides debt recovery solutions and other related services for consumers across a broad range of financial assets. Through its subsidiaries, including Midland Credit Management (MCM) in the United States, Cabot Credit Management in Europe, and Encore Asset Reconstruction Company (EARC) in India, Encore purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages them by working with individuals as they repay their obligations and work toward financial recovery. The company focuses on building respectful, long-term relationships with consumers to help them resolve their debt.
Serves as the global corporate center, overseeing strategic direction, financial management, legal and compliance, investor relations, and corporate governance for Encore's worldwide operations.
Modern office building in a corporate park, designed for efficient operations and collaboration. Likely features standard amenities for a corporate headquarters of its size.
Professionally driven, with an emphasis on data analytics, compliance, ethical practices, and consumer-centric approaches to debt resolution. The culture likely promotes continuous improvement and adherence to regulatory standards.
The San Diego headquarters is pivotal for coordinating Encore's international subsidiaries, managing its vast portfolio of consumer debt, and driving its growth strategy in the global financial services market.
Encore Capital Group has a significant global footprint, with major operations in the United States (through Midland Credit Management), the United Kingdom and Europe (through Cabot Credit Management), and India (through Encore India and EARC). Globally, these operations support functions such as debt portfolio acquisition, collections, customer service, data analytics, legal and compliance, IT infrastructure, and back-office support, all tailored to local market regulations and consumer needs.
3111 Camino Del Rio North, Suite 1300
San Diego
California
USA
Address: Encore Capital Group, Various offices including DLF Cyber City, Gurugram, Haryana, India (Midland Credit Management/Encore India)
Supports Encore's global debt recovery processes, particularly for English-speaking markets, and acts as a center of excellence for various operational tasks. Also houses Encore Asset Reconstruction Company (EARC) focusing on the Indian market.
Address: Cabot Credit Management, Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA, UK
Serves as the strategic center for European operations, managing portfolios and ensuring compliance with diverse European financial regulations.
Address: Midland Credit Management, Inc. (MCM), Troy, MI (Specific address not publicly centralized, multiple sites possible)
Key site for US-based debt recovery operations, focusing on direct consumer engagement and portfolio management.
Address: Midland Credit Management, Inc. (MCM), Phoenix, AZ (Specific address not publicly centralized, multiple sites possible)
Supports the large volume of US-based consumer accounts, providing scalability and regional coverage for MCM's operations.
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As of April 2025, Encore Capital Group' leadership includes:
Encore Capital Group has been backed by several prominent investors over the years, including:
Encore Capital Group's executive team has seen some key transitions and appointments aimed at strengthening its leadership for future growth and operational excellence. Notable changes primarily involve strategic role adjustments and new leadership in key subsidiary positions.
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Encore Capital Group, Inc. and its primary subsidiary Midland Credit Management (MCM) typically use a combination of first name, last name, and initials for their email addresses. The most common format observed is the first initial followed by the last name.
[first_initial][last]@encorecapital.com or [first].[last]@encorecapital.com (e.g., jsmith@encorecapital.com, john.smith@encorecapital.com). Subsidiaries like Midland Credit Management may use @midlandcredit.com or @mcmcg.com.
Format
asmith@encorecapital.com
Example
80%
Success rate
Yahoo Finance • May 7, 2024
Encore Capital Group announced its financial results for the first quarter of 2024, highlighting portfolio purchases and collection metrics. The company discussed its performance in key markets including the US and Europe....more
GlobeNewswire • February 21, 2024
Encore reported its Q4 and full-year 2023 earnings, detailing global collections, portfolio acquisitions, and its financial outlook. The company emphasized its disciplined approach to purchasing and servicing....more
Business Wire • June 1, 2023
Encore Capital Group announced that Craig Buick would become Chief Executive Officer of Cabot Credit Management, Encore’s European business, effective June 1, 2023....more
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