Karen Ryan FCICM

Go-getter
DISC Type : d

Head of Customer Transitions at Clear Business

Scarborough, England, United Kingdom

Overview

Senior leader with over 20 years of experience in operational transformation and customer performance across the utilities and financial services sectors. She is a recognized speaker on using data-driven strategies for debt recovery. Colleagues describe her as a pragmatic, strategic, and true expert in the credit industry.

Outside of work, she is focused on family and community. During a career break, she volunteered as the chair of trustees for Scarborough Mencap and worked part-time at a local bank during the pandemic to help people access essential services.

She once introduced an award-winning initiative that generated an additional £3 million in cash in its first year.

Personality Overview

Challenger

Fast-Paced

Direct & Candid

They don’t always try to control the conversation but neither do they like yielding it fully.  They care equally about the product and its potential impact. They focus on objectivity in a pitch and pay little attention to bells and whistles.

Topics They Care About

Data-Driven Decisions
Recently delivered an impactful session on using data to distinguish between "can't pay" and "won't pay" customers, making litigation a strategic, targeted response.
Customer Experience
Passionate about continuously improving CX and discusses plans with her leadership teams to better engage with and support customers.
Revenue Recovery
A core area of her expertise, with a proven track record of managing large debt portfolios and implementing strategies that significantly boost cash flow.

Media Appearances

Karen has no verified media appearances

Work History

9-2025
Head of Customer Transitions at Clear Business
1-2025 - 10-2025
Head of 3rd Party Recoveries at Clear Business
7-2021 - 1-2025
Recoveries & Supplier Manager at Thames Water
11-2019 - 6-2021
Full-time parenting at Career Break
5-2017 - 10-2019
Director Of Operations (FCA Appointed Person) at 1st Locate (UK) LTD

Education

Debt Collection from CSA City and Guilds Diploma
Psychology and Sociology from Yorkshire Coast Collage

More Information

Social Presence :

Prographics :

Exp : 28 Location : Scarborough, England, United Kingdom Job Level : Mid-senior Designation : Head of Customer Transitions at Clear Business
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Insights For Selling To Karen

During A Call Or A Meeting

DO's

  • Stress on the business value that your product offers
  • Refer to testimonials from others in similar positions
  • Make sure that you you respond to any queries from them quickly

DONT's

  • Refrain from asking too many questions
  • Don't try too hard to get friendly, let it happen with time
  • Avoid long winding pitches, stay objective

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Karen is

  • Conviction in the product matters to them, followed by proof points and strong testimonials.
  • Will you ever get a clear answer from Karen

  • They may not be very forthcoming, but they will say no if needed.

Insights For Deal Planning

    How fast (or slow) will Karen move?

  • They are neither the fastest decision makers nor the slowest.
  • Can Karen take some risk or not?

  • They can take risks but after weighing up the pros and cons.

You And Karen

Personality Compatibility


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