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As President of Midland Credit Management, Inc., Mr. Bell oversees Encore’s U.S. debt purchasing line of business. Mr. Bell is responsible for the strategic direction and financial performance of this business subsidiary. Previously, as Executive Vice President and Chief Operating Officer, Mr. Bell was responsible for all operational units of Midland Credit Management, Inc. As Senior Vice President of Operations, Mr. Bell led Encore’s internal legal, legal outsourcing, and bankruptcy operations. He previously led Encore’s decision science group which is responsible for asset valuation, predictive model development, and financial forecasting. Mr. Bell joined Encore in 2011 as a Vice President.

Before joining Encore, Mr. Bell spent 11 years in marketing and analysis at Capital One Financial Corp., primarily in the auto finance line of business. His experience at Capital One included marketing strategy, credit policy, new product development, business development, and operations strategy. Mr. Bell earned a Master of Business Administration (graduating Beta Gamma Sigma) from The Cox School Business at Southern Methodist University and a bachelor’s degree in management information systems (graduating cum laude) from Texas A&M University.