Anthony Woods is a debt collection specialist whose track record includes three years with Mercer Management Consulting, where he focused on working capital. At Mercer his accomplishments included managing the joint interest collection department of one of the world's largest oil and gas companies, and reducing that customer's accounts receivable balance from $170 million to $50 million. Most recently, Anthony was one of the key start up team members of Keen, Inc., a Silicon Valley Internet success story.

Anthony graduated from Queens University, Kingston, Ontario, Canada with a Bachelor of Commerce degree.

Contact Anthony anthony.woods@incoho.com

Kyle joined Incoho in 2001 as the Commercial Credit and Collections Manager. He initially managed Incoho's local portfolio which included two of the Philippines' top credit card issuers. He took over the post of VP for Philippine Operations in 2004 and has held the post since and is responsible for managing the day to day operations of the call center. In his capacity as head of Philippine Operations, Kyle has overseen a variety of BPO and KPO type engagements ranging from accounts receivables management, lead generation and qualification, business intelligence, and data entry. Kyle was previously connected with Citibank having spent seven years in its cards collections group handling a wide spectrum of delinquency from early delingquency up to pre-write off. He has a Bachelor's degree in Management and a Master's Degree in Business Administration from Dela Salle University. He is also a certified Six Sigma Blackbelt.

Kyle is an accomplished amateur photographer and is a seasoned PADI Divemaster.

Contact Kyle kyle.bendijo@incoho.com

Dino Lacambra has a solid experience working with several service oriented companies. Prior to Incoho, he spent 7 years with RCBC Bankard, a major player in the credit card industry in the Philippines. Dino was actively involved in a lot of negotiations with the debtors and clients being a Consumer Collection Specialist and as a Sales Officer for the bank's MasterCard, JCB and Visa. His duties and responsibilities included managing accounts receivable portfolio from 30-day past due to write-off and improving credit risk policies. As a Sales Officer, Dino was responsible for formulation and implementation of various sales programs which targeted a wide array of markets including various business organizations, corporations and conglomerates.

Dino holds a Bachelor of Science Degree in Business Administration with a Marketing Major from De La Salle.

Contact Dino dino.lacambra@incoho.com

Alex Chapman is a call center specialist, with direct experience in all forms of collections. Formerly working for the largest collection company in the world, NCO. Mr. Chapman has worked on many successful contracts including Capital One, Bank One and Columbia House. With success on taking calls, and as a team lead, Mr. Chapman brings not only collection skills, but a superior customer service oriented background.

Alex has a Bachelor degree in Social Science from the University of Ottawa, Ontario, Canada.

Contact Alex alex.chapman@incoho.com

Richard is a specialist in call center administration and operations, assigned a diversity of leadership functions which included the call center operations of the country's largest utility institution, a call center food delivery operations for a number of food-chain franchises, the manpower management of several call-operation facilities from the country's two leading medical institutions, a print and copy company, and a world renowned resort.

A graduate of De La Salle University, Richard has a Bachelor of Arts Degree in English.

Contact Richard richard.parohinog@incoho.com