Stephen J. Leonard is Chief Executive Officer of PIC Solutions International, the leading specialist credit risk and collections management solutions company in the emerging markets of Africa, Middle East and South Asia. He has over 25 years of credit risk management experience in the banking and consulting industries, including Chase Manhattan Bank and Fair Isaac Corporation.
After 7 years of credit, risk and fraud management roles in the New York banking industry, he joined the start-up of Fair Isaac International in the UK and in 7 years successfully established and grew the risk management consulting practice for the Europe Middle East Africa region. In 1999 he co-founded PIC Solutions in South Africa which has rapidly become the largest credit risk management consultancy in the SAMEA region.
He has managed assignments with over 150 clients in 30+ countries, covering the entire credit life cycle. His experience covers the complete range of organisations and products in the consumer and SME credit arenas, including bank cards, private label, personal loans, vehicle finance, mortgages, current accounts, microfinance, mail order, telecoms and utilities. He holds an AS (State University of New York), BA (University of Toronto) and an MBA (Adelphi University - School of Banking, New York). He is a member of the UK and SA Institutes of Credit Management, the South African Statistical Association and the Operations Research Society of South Africa
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