Tomas Hernanz serves as Executive Vice President, Chief Financial Officer, and Treasurer at Encore Capital Group Inc., a global leader in specialty finance focused on purchasing and recovering consumer debt. In this critical role, he directs the company's financial planning, capital markets strategy, treasury functions, investor relations, and compliance with regulatory reporting. Hernanz's leadership ensures robust financial health, supporting Encore's operations across North America, Europe, and international markets while driving sustainable growth and value creation for shareholders. With over 20 years of experience in finance and consumer lending, Hernanz joined Encore in 2021 following his tenure as Chief Financial Officer at Cabot Credit Management, Europe's largest buyer of consumer debt portfolios. There, he spearheaded financial operations, mergers and acquisitions, and capital raising during a phase of aggressive expansion. Earlier in his career, he held senior positions at Santander Consumer Finance in Spain and the UK, where he honed expertise in risk management, funding strategies, and international business development. Hernanz earned a degree in Business Administration from the University of Deusto and an MBA from IE Business School. Hernanz's achievements include optimizing capital structures to fuel portfolio growth and navigating complex regulatory environments in multiple jurisdictions. At Encore, he has been instrumental in enhancing liquidity, executing debt financings, and improving operational efficiencies, contributing to record financial performance amid economic volatility. His strategic foresight and deep industry knowledge position Encore for continued leadership in the non-performing loan sector.