Our Team

Frank Horvath, Managing Director:

Frank is Link Financial’s UK Managing Director and brings a wealth of experience to the company, having worked in the credit and banking sectors for over 30 years. He spent a large part of his career at HSBC across Europe, Asia and South America, before moving onto senior roles at Barclays and Dollar Financial Group. Frank holds a BA (Hons) in English Language & Literature from the University of Leeds, as well as an Executive MBA from Insead.

Stuart Ashcroft, Business Development Director:

Stuart joined Link in 2012 after 15 years at MBNA Europe Bank where he held a number of senior managerial roles culminating in Vice President, Asset Sales and Legal Recoveries. ‎He is responsible for new business and client relationships at Link. Stuart has a BSc in Business and Commerce from Loughborough University.

Tracy George, Co-Head of Operations – NPL:

Tracy joined Link in 2005.  Her previous experience includes roles at Lombard Bank, First National Bank & GE Money.  Tracy has progressed in a number of roles at Link, most recently Senior Operations Manager, and was also seconded to the wider Link Group for a period to share her experience in operations and strategy with other Link Group companies.

Alan MacDonald, Co-Head of Operations – NPL:

Alan’s career in account receivables began in 1989 and he has been with Link Financial since 1998. With over 25 years operational leadership and management experience, Alan has held a number of different roles during his time at Link.  He currently manages  specialist operations in our London servicing centre.

Nonika Kotsali, Legal Counsel:

Nonika joined Link in 2024.  She is a dual-qualified lawyer in the UK and Greece, and has held a number of roles with companies in the finance and technology sectors, including Apple and Eigen Technologies. Nonika specialises in contract and finance law and holds two Master of Laws degrees – one in International Banking and Finance Law from UCL, and another in Commercial Law from the National and Kapodistrian University of Athens.

Joe Melton, Business Development Director:

Joe joined Link Financial in 2023 after 18 years at Secure Trust Bank where he held numerous senior roles in client services, latterly as Client Services, Operations and IT Director. Prior to this, Joe held Management Consultant positions at both KPMG and BDO. He has a degree in Marketing from the University of Stirling

Nick Shepherd, Director:

Nick joined Link in 2023 and brings 25 years of experience in the UK Collections and Debt Purchase market. He was previously Chief Executive at both Debt Managers and Close Credit Management.  Nick qualified as a Chartered Accountant with KPMG and has a degree In Economics from the University of Sheffield.

Jennifer Thomson, Financial Controller:

Jennifer joined Link in 2020, bringing significant experience with her from previous roles including Deputy Group Financial Controller at EnQuest and Manager of the Financial Reporting Advisory Group at Grant Thornton. Jennifer is ACA qualified and has a BA in Natural Sciences from Cambridge University.

Heather Williams, Head of Operations – Performing Loans:

Heather joined Link in 2013 and has more than 25 years’ experience in Consumer Finance.  She has previously held senior roles at Avco Trust, Target Loan Servicing and 118118 Money.  Heather has experience across all regulated product types including student loans and credit cards, but she specialises in outsourced arrears management and collections.