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Encore Capital Group's Overview

Total employees5135
HeadquartersSan Diego
Founded

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.

Where is Encore Capital Group's Headquarters?

HQ Function

Serves as the global corporate center, overseeing strategic direction, financial management, legal and compliance, investor relations, and corporate governance for Encore's worldwide operations.

Notable Features:

Modern office building in a corporate park, designed for efficient operations and collaboration. Likely features standard amenities for a corporate headquarters of its size.

Work Culture:

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.

HQ Significance:

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.

Values Reflected in HQ: The headquarters' operations likely reflect Encore's core values of integrity, accountability, fairness, and a commitment to helping consumers achieve financial wellness.

Location:

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.

Street Address:

3111 Camino Del Rio North, Suite 1300

City:

San Diego

State/Province:

California

Country:

USA

Encore Capital Group's Global Presence

Gurugram, Haryana, India

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.

West Malling, Kent, United Kingdom

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.

Troy, Michigan, USA

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.

Phoenix, Arizona, USA

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.

Buying Intent Signals for Encore Capital Group

Highperformr Signals uncover buying intent and give you clear insights to target the right accounts at the right time — helping your sales, marketing, and GTM teams close more deals, faster.

Notable news
Hiring actively
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
*Example signal, not calculated in real time

Executive Team of Encore Capital Group

As of April 2025, Encore Capital Group' leadership includes:

Ashish Masih - President and Chief Executive Officer
Jonathan C. Clark - Executive Vice President, Chief Financial Officer and Treasurer
Steve Carmichael - Senior Vice President, Chief Risk and Compliance Officer
Ryan Bell - Senior Vice President, President, Midland Credit Management
Craig Buick - Chief Executive Officer, Cabot Credit Management
Monique Dumais-Chrisope - Senior Vice President, Chief Information Officer
Tracy Ting - Senior Vice President, Chief Human Resources Officer

Investors of Encore Capital Group

Encore Capital Group has been backed by several prominent investors over the years, including:

BlackRock Inc.
The Vanguard Group, Inc.
Dimensional Fund Advisors LP
State Street Corporation
ArrowMark Colorado Holdings LLC
Renaissance Technologies LLC

Executive New Hires/Exits in the Last 12 Months

Hire1
Exits0

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.

New Appointments:

Craig Buick, Craig Buick was appointed as CEO of Cabot Credit Management. He previously served as CEO of Cabot from 2020 until its acquisition by Encore.

Technology (Tech Stack) used by Encore Capital Group

Discover the tools Encore Capital Group uses. Highperformr reveals the technologies powering your target accounts — helping your sales, marketing, and GTM teams prioritize smarter and close faster.

Encore Capital Group Email Formats and Examples

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

News and media

Yahoo FinanceMay 7, 2024

Encore Capital Group Reports First Quarter 2024 Financial Results

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

GlobeNewswireFebruary 21, 2024

Encore Capital Group Reports Fourth Quarter and Full-Year 2023 Financial Results

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 WireJune 1, 2023

Encore Capital Group Announces CEO Transition Plan for its European Business

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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