Spencer Ladkin
Blackpool,UK
Summary
Versatile professional with expertise in financial services and call center operations, trained in FSA DPA and anti-money laundering. Demonstrates strong problem-solving abilities and effective communication skills across all organisational levels. Proficient in workflow analysis and managing debt, IVA, and bankruptcy processes. Holds an NVQ in call center operations and skilled in Microsoft Office and Sage to drive productivity improvements.
Overview
19
19
years of professional experience
14
14
years of post-secondary education
Work history
Credit Control Manager
Time Media Group Ltd
Blackpool
2018.01 - 2026.02
- Managing and motivating staff collecting debt in different countries as well as collecting debt myself with a hands on approach.
- Management of Payment Systems Moneris, Barclaycard and Converge processing company payments.
- Admin duties, reports and compiling of statistics.
- Management of inhouse debt recovery company and processes and liaising with legal team.
- Being in charge of Customer Services team 2019-20 as well as undertaking my daily credit control role.
- 78.57% Success rate on renewal contracts collected in all countries UK, Canada and America.
- 2024 and 2025 Record Breaking recovery rate in UK and Ireland £211,000 and £214,000
- 41% Debt recovery increase in Republic of Ireland
- Reduced outstanding debts with strict enforcement of payment terms and conditions.
- Negotiated repayment plans, reducing the number of delinquent accounts.
- 18.5% Debt recovery increase in Canada
- USA recovery rates tripled
- Improved efficiency by implementing new credit control systems.
Credit Control Manager
Arena Digital Productions Ltd
Blackpool
2010.06 - 2018.01
- Selling advertising spaces on Digital Media Signage on various sites across UK and Globally.
- Credit Controller then promoted to Credit Control Manager and in charge of Debt Recovery company and members of Credit Control staff.
- Managing and motivating staff collecting debt in different countries as well as collecting debt myself, hands on approach.
- Taking payments on different payment systems and admin related duties, debt sheets, figures, reports etc.
- Monitoring and dealing with Better Business Bureau Canada and America (Regulatory Body)
- Close interaction with Operations, Director Level and accounts and authority to make key company decisions relating to credit control matters.
- In charge of company auto renewal contracts and decisions whether or not to auto renew these contracts
- Responsible of operating companies Debt Recovery Company to chase up older debt and all operations regarding that matter.
- Lead generation and sales in my first role in company selling generating business for in house digital signage systems for key sites across the UK some big names include Buildbase, BMI Hospital Chain and Home hardware Peavey Mart stores in Canada.
- In June 2016 reducing companies Canada debt levels from 77% to 16% with a reduced team quota.
- Taking the companies Better Business Bureau rating from D- to A+ within a few months.
Debt Advisor
Frazer And Frazer Limited
Blackpool
2009.12 - 2010.05
- Offering Businesses Debt help, advice and best solution to current debt problems.
- Making appointments for Field Consultants to go and advise further on debt problems.
- Outbound and Inbound calling Businesses who have potential debt problems to discuss further and offer advice.
- Talking through relevant information of debt situation and noting in a Fact find style with detailed notes. Income, expenditure and creditor information.
- Explaining the best options on current debt problems to client regarding their situation and offering a free consultation.
- Making appointments for field debt consultants to go and advise clients further and to do necessary legal paperwork.
- Liaising with field consultants and managing field consultant’s diaries.
- Dealing with Creditor queries regarding a variety of cases.
- High conversion rate in relation to Appointments becoming potential clients.
- Implementing my previous experience and ideas into Frazer & Frazer ways of working.
- A good understanding of Business Insolvency options.
Lead Generation/Sales
Ideal4finance Limited
Kirkham
2009.03 - 2009.11
- Offering Businesses, a Retail Finance Package.
- Outbound calling Explaining how the Retail Finance Package works and making appointments for Field salesmen to Present the package to the Business.
Lead Generator Secured and Unsecured Loans Assistant Debt Advisor
1st Stop Finance Ltd
Blackpool/Manchester
2006.12 - 2009.02
- Offering client’s best practice advice in debt consolidation, dealing with a variety of mediums such as web applications, inbound applications and also outbound warm/cold calling.
- Converting unsecured secured and mortgage applications into debt management and IVA clients.
- Conducting fact finds and income and expenditure to assist the client understand their current financial situation.
- Providing client with the best solution, selling of Debt management/IVA and secured Loan products.
- Making arrangement with client and following up of any missed/overdue arrangements.
- Arranging full and final settlements of creditors where applicable.
- Regular Field visits under supervision to see customers to help answer any further questions.
- Helping guide customers through documentation needed to be signed for such plans IVA and Debt Management
- In-charge of companies biggest account Loan Maker (Secured Loans)
- In March 2007 at the 1st Stop Finance Yearly Conference awards I won the top performer/breaking the barriers award for the most unsecured loan applications within the business and its branches after only 2 months with the business.
- Promoted to Assistant Debt Advisor Role February 2007.
- High volumes of debt management clients brought on board with good client retention.
- Good knowledge of Debt management, IVA and Insolvency as a whole and Credit Control Procedures.
Education
NVQ Call Centre Operations Level 2 - Call Centre Operations
Blackpool and Fylde College
Blackpool 2007.09 - 2008.02
BSc (HONS) - Psychology, Sport and Exercise Degree
Staffordshire University
Stoke-On-Trent 2003.09 - 2006.06
Community Sports Leader CCPR - Sport Science
Blackpool and Fylde College
Blackpool 1999.08 - 2000.08
BTEC HND - Sport Science
Blackpool & the Fylde College
Blackpool 1998.09 - 2003.06
7 GCSE'S -
St Mary’s R.C High School
Blackpool 1993.09 - 1998.06
Skills
- Adaptable mindset
- Problem-solving expertise
- Effective communication
- Workflow optimisation
- Collections strategy development
- Negotiating terms
- Strong work ethic
- FSA certification
- DPA certification
- AML certification
- NVQ in call centre operations
- Debt management strategies
- IVA specialisation
- Bankruptcy knowledge
- Community sports leadership (CCPR)
- First aid certification
- Microsoft Office proficiency
- Sage software expertise
References
References available on request.
Interests
Walking, Running, Playing different sports, Football, Classic Car Enthusiast
Timeline
Credit Control Manager
Time Media Group Ltd
2018.01 - 2026.02
Credit Control Manager
Arena Digital Productions Ltd
2010.06 - 2018.01
Debt Advisor
Frazer And Frazer Limited
2009.12 - 2010.05
Lead Generation/Sales
Ideal4finance Limited
2009.03 - 2009.11
NVQ Call Centre Operations Level 2 - Call Centre Operations
Blackpool and Fylde College
2007.09 - 2008.02
Lead Generator Secured and Unsecured Loans Assistant Debt Advisor
1st Stop Finance Ltd
2006.12 - 2009.02
BSc (HONS) - Psychology, Sport and Exercise Degree
Staffordshire University
2003.09 - 2006.06
Community Sports Leader CCPR - Sport Science
Blackpool and Fylde College
1999.08 - 2000.08
BTEC HND - Sport Science
Blackpool & the Fylde College
1998.09 - 2003.06
7 GCSE'S -
St Mary’s R.C High School
1993.09 - 1998.06