Karine Smyth: Senior Consultant Arrears and Recoveries

20+ years in financial services and consulting, specialising in Collections & Recoveries and Transformation

  • Strategic design and leadership of collections, recoveries, and hardship operations across banks, fintechs, and lenders
  • Deep experience across risk operations including arrears treatment, vendor management, hardship frameworks, and regulatory compliance
  • Successfully led turnaround strategies, systems transformation, and operational uplifts across digital and traditional lending environments, blending data-led strategy with customer-first design and regulatory expectations
  • Engagements have included P&L turnaround, process automation, platform upgrades, regulatory remediation, and capability build

Geographies:

  • Australia, New Zealand UK, France, Spain

Retail Banking Sub Sectors:

  • Wide range of players: mainstream banks, digital lenders, fintechs, challenger banks
  • Consumer and small business finance products: Unsecured credit, Credit Cards, Personal, Car and Equipment Loans and Peer to peer lending
  • Risk operations: Collections, Recoveries, Hardship, Identity and Fraud

Before and Outside ICG

Financial Services:

  • Led Collections & Recoveries at Society One: doubled repayments, automated key functions, improved hardship processes
  • At Capital One Europe: Set up and led Collections and Recoveries in Spain and France, including launch of local vendor partnerships and set up of internal teams

Transformation:

  • Experian: Designed and delivered business transformation program that quadrupled pipeline, and turned around a declining product line
  • COO of Flux Advisory – led operational scale-up and managed client transformations including payment transformation program and operating model redesign

Credentials:

  • MBA, ESSEC Business School (France) – top 3 student
  • Fluent in English, French and Spanish

Community:

  • Coralus Coach – supporting women entrepreneurs with business guidance

 

 

 

 

 

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