Karen Ryan FCICM in

Karen Ryan FCICM

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Head of Customer Transitions at Clear Business
📍 Scarborough, England, United Kingdom

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.

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Experience
28 Years
Current Role
Head of Customer Transitions
Job Level
Mid-senior
Location
Scarborough, England, United Kingdom
Personality Overview

How Karen shows up

Communication Style
Decision Approach
Work Preference

Behavioral traits and communication patterns that shape how this person evaluates opportunities, builds trust, and makes decisions in professional settings.

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Priorities

Topics Karen cares 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.
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Career

Work history

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

Media appearances

No media yetWe could not find public media appearances for this person.
Education
Debt Collection
CSA City and Guilds Diploma
Psychology and Sociology
Yorkshire Coast Collage
Social presence
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Behavioral profile

DISC profile (public)

DISC behavioral profile

Dominance, influence, steadiness, and calculativeness scores with guidance on how this person prefers to communicate and decide.

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