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Michelle Carruthers MICM is an experienced professional in credit management and business development, currently serving as a Council Member for the Consumer Portfolio and Divisional President for VIC/TAS at the Australian Institute of Credit Management (AICM), where participation includes roles such as Interim President and Vice President. As a Sales Manager at ARMA Group, Michelle oversees contingent debt recovery solutions across various sectors. Previous positions include Enterprise Account Director at PayOK and Senior Consultant at CreditorWatch, where innovation and data-driven solutions were emphasized. With a strong background in education, including a Senior Business Development Manager at Pearson Asia Pacific and experience as an Educational Consultant at Monash University, Michelle possesses a comprehensive understanding of marketing, sales, and customer engagement, supported by a solid academic foundation in Business and Marketing from Monash University.