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Leadership Team

Nick Codispoti


Nick Codispoti leads United Consumer Financial Services in all global, strategic, and day-to-day planning and operations. Prior to being promoted to president, Mr. Codispoti guided UCFS finance and operations divisions for four years. Nick has over 25 years of experience developing, executing, and delivering excellent results with domestic and international operational programs, underwriting, go-to-market strategies, accounting, investor relations, risk management, and financials. Nick is a CPA and earned his MBA at Kent State University. Before joining UCFS, Nick held the role of Director, Treasury and Risk Management with Diebold Nixdorf.

James Lazarus

Vice President, Finance

Mr. Lazarus heads UCFS’ global and U.S. finance departments and is responsible for the company’s enterprise credit risk framework. He formulates and executes policy, strategy, and growth plans for financial success as well as day-to-day oversight. James joined UCFS as Vice President, Operations in 2020 and was promoted to VP, Finance in 2022. He held senior leadership positions with PNC and Key Bank prior to joining UCFS. Mr. Lazarus is a CPA and earned degrees from Cleveland State University in both Accounting and Management, holds a graduate certificate in Business Analytics and an MBA from Indiana University.

John Simon

John Simon

Vice President, Sales & Marketing, North America

Mr. Simon leads UCFS’ sales, marketing and client services teams in North America. John sets the strategic and tactical direction for inside and outside sales and marketing initiatives and business customer processes and standards. Prior to joining UCFS, John held various executive team leadership positions during his career. Recently he held Executive VP Business Development roles with ARIA Brands and Phoenix Interactive as well as over 17 years of leadership roles within Diebold Nixdorf as Vice President of Managed Services for North America. He earned his degree from the University of Akron and completed coursework in the Executive Program at Indiana University’s Kelly School of Business.

Eric St. Cyr

Vice President, In-Home Products

Mr. St. Cyr leads the UCFS business development, marketing, and relationship management teams for Distributors selling in-home products. Eric has been with UCFS for 35 years and held various leadership roles in Risk Management, Credit, and Operations during his tenure.  He earned his business degree from the University of Dayton.

Rick Sawyer

Vice President, Information Technology

Mr. Sawyer leads UCFS’ application development, network/infrastructure, security, all technology operations, and user support, both day-to-day and strategic. Rick comes to UCFS having led the development and implementation of technology systems that drive revenue growth and operational efficiencies in industries including legal, distribution, advertising, pharmaceutical and insurance. Rick earned both his bachelor’s degree in Computer Science and MBA from Cleveland State University.

Michele Liebenauer


Ms. Liebenauer leads UCFS’ financial planning, analysis, and accounting teams to ensure that financial goals are met, in addition to strategic planning for UCFS’ yearly operating plan. Michele also manages all financial reporting, analysis, and planning for our affiliated businesses abroad. A 30-year veteran of UCFS, she has held many roles within the company, including licensing, compliance and risk management. Ms. Liebenauer earned her Master of Business Administration in Accounting from Baldwin Wallace University and her Bachelor’s degree in Economics from Miami University.

Katia Newman

Director of Operations, UCFS Europe

Ms. Newman leads UCFS Europe’s operations and business development efforts. Katia has over 15 years of financial services experience. Prior to joining UCFS, she held a range of senior and general management positions in fast-growing consumer finance companies and most recently was an executive at Oakbrook Finance Ltd. Ms. Newman holds a Master’s Degree in Aerospace.

Jonathon Kamleitner

Director of Operations, UCFS Australia

Mr. Kamleitner leads operations and sales for UCFS Australia Pty Ltd. Jonathon has over 9 years of experience in financial services. Prior to joining UCFS, he led business development for one of Australia’s largest vehicle finance and fleet management organizations. Jonathon holds a Bachelor of Business degree from Swineburne University.

David Girt

Director, Account Services

Mr. Girt directs UCFS’ account services teams, initiatives, and policies. He has been in the customer service and collections field for most of his career leading call centers and third-party collections agencies. Prior to joining UCFS, Mr. Girt held leadership roles with Dun & Bradstreet, several collections firms, and is a decorated veteran serving in the United States Marine Corps. David attended The University of Akron studying business administration.

Christopher Georgas

Director, Underwriting

Chris Georgas leads UCFS Decision System and Underwriting Management Teams. Chris develops lending policies and procedures, creates workflows leveraging technology to optimize the approval process and enhance the decision framework, and oversees portfolio reviews ensuring risk-to-reserve expectations are met. Previous leadership roles during his 17 years with UCFS were in Operations, Client Services, sales and marketing and collections. Chris has a Six Sigma Blackbelt Certification and studied Business at Lorain County Community College.

Business Development Team

Bryan Krabach

Sales Director
Retail & Call Center Channels and ISA Relationships

Rick Supeck

Executive Account Manager
Tax Relief Businesses

Alec Girt

Business Development Representative
Pets/Veterinary & Retail

Cindy Miller

Business Development Coordinator and Trainer

Joe Chaplin

Business Development Representative
In-Home Products

Len Fill

Business Development Representative
In-Home Products

Patrick Floyd

Outside Sales Account Executive
Home Improvement & Water Filtration Systems