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Leadership Team

Nick Codispoti

Nick Codispoti

President

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.

John Simon

John Simon

Vice President, Sales & Marketing, North America

Mr. Simon leads UCFS’ sales and marketing teams in North America. John sets the strategic and tactical direction for inside and outside sales and marketing initiatives. 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.

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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.

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Candace Carter

Vice President, Legal & Compliance

Ms. Carter leads UCFS’ legal and compliance activities, including our affiliated businesses abroad. As an integral part of our leadership team, Candace leads all efforts to reduce risk and ensure regulatory compliance across all jurisdictions, as well as contributing to the strategic plan for the organization. Prior to joining UCFS, Ms. Carter held similar positions at PNC Financial Services Group (PNC Bank) and KeyCorp (KeyBank), both top 20 commercial banks as ranked by the Federal Reserve. Candace received her Juris Doctor from University of Akron Law School and her Bachelor of Arts in Business Management and Marketing from Capital University.

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James Lazarus

Vice President, Operations

Mr. Lazarus leads and formulates policy, strategy, and growth plans for UCFS’ operational teams including merchant services, underwriting, instant credit, consumer account services, and collections. Prior to joining UCFS, James held senior leadership positions with PNC and Key Bank. 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.

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Jerrod Vastag

Vice President, Information Technology

Jerrod Vastag leads UCFS’ network/infrastructure, applications development, security, and company technology and telephony operations, both day-to-day and strategic. Mr. Vastag comes to UCFS with experience developing technology systems and high-functioning teams with Litigation Management Inc., Harley-Davidson Dealer Systems and OEConnection. Jerrod received his Bachelor’s in Computer Information Systems from Youngstown State University and an MBA from Baldwin Wallace University.

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Michele Liebenauer

Controller

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.

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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.

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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.

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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.

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Christopher Georgas

Director, Underwriting & Client Services

Chris Georgas leads UCFS Underwriting and Client Services and Instant Credit and Verification teams. Chris develops lending policies and programs, creates workflow processes, leads team department managers, oversees business customer portfolio reviews ensuring risk-to-reserve expectations are met, and leverages technology to optimize front-end business practices. Previous roles with UCFS were in operations, risk management and underwriting, sales and marketing and collections. Mr. Georgas previously worked in the mortgage industry. Chris studied Business at Lorain County Community College.

Business Development Team

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Bryan Krabach

Business Development Representative
Home Improvement, Retail & ISA Relationships
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Karen Higley

Business Development Representative
Elective Medical & Timeshare Relief
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Eric Daugherty

Business Development Representative
Tax Relief
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Alec Girt

Business Development Representative
Pets & Veterinary
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Bryan Stevens

Business Development Representative
Medical Services and Equipment
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Julia Wahl

Business Development Coordinator and Trainer
Retail (Furniture, Pets, Flooring, Lawn/Snow Equipment, Jewelry, Appliances and more)
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Cindy Miller

Inside Business Coordinator and Trainer
Medical, Tax Relief, Timeshare Relief, Funeral/Memorial
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Jessica Campbell

Inside Sales & Operations Manager
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Scott Borthwick

Regional Vice President
In-Home Products
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Bob Ellsworth

Business Development Representative
In-Home Products
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Len Fill

Business Development Representative
In-Home Products
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Joe Chaplin

Business Development Representative
In-Home Products