Originally from a technical background, Scott has a great deal of experience in designing and writing software.  In addition to Opos Limited Scott also owns the debt purchase company Kapama Limited and the software house DDI Consulting Limited t/a DDI Software, a supplier of contact centre and debt collection telephony and software...

Originally from a technical background, Scott has a great deal of experience in designing and writing software.  In addition to Opos Limited Scott also owns the debt purchase company Kapama Limited and the software house DDI Consulting Limited t/a DDI Software, a supplier of contact centre and debt collection telephony and software.

DDI was formed in February 2005, following a period of time where Scott was working in the IT department of the BCW Group, a large Glasgow based debt collection agency (DCA).  In June 2008 Scott identified an opportunity to set up a DCA and registered Opos Limited.

Since 2008 Scott has built Opos Limited from a two collector operation into a 150 seat contact centre serving various high end brands.  As a result of Scott's technical background, the quality of Opos people is further strengthened by the continued focus on technical innovation.  The name Opos was in fact derived from 'Our People Our Systems', underpinning the company values and delivering great results for our client base.

Raj joined Opos in February 2021 and brings 20 years experience, spent predominately across Financial Services and Utilities...

Raj joined Opos in February 2021 and brings 20 years experience, spent predominately across Financial Services and Utilities. Having spent 6.5 years at Bank of America/Merrill Lynch in Glasgow and 6 years at The Swift Group in Brentwood, Essex, with the last 5.5 years at Spark Energy (part of the Ovo Group) in Selkirk.

Raj has managed end to end Collections functions, from early arrears through to litigation and enforcement. Additionally managing Debt Collection Agency panels, solicitors and Field Operatives. Raj is also experienced in Project Management and Debt Sale.

Appointed as Head of Compliance in January 2017, Rob joins Opos with over 13 years experience in the Collections, Compliance, Purchase and Risk departments of various organisations throughout the UK...

Appointed as Head of Compliance in January 2017, Rob joins Opos with over 13 years experience in the Collections, Compliance, Purchase and Risk departments of various organisations throughout the UK.

Rob spent 8 years with Mackenzie Hall, during which time he undertook a number of roles including Head of Outsource Operations, Head of Collections and latterly, Director of Compliance. During Robs' time at the company the business grew into a 50m organisation with one of the best records for performance and compliance in the UK.

Rob has also served on the boards of Motormile Finance UK limited, again as Director of Compliance and most recently undertook a project with Silicon Marketing Limited that saw him establish and guide the business through the FCA licensing process.

Furthermore, Rob has served on the boards of the Credit Services Association, The Association of Credit Professionals and is the founder of the Scottish Compliance Forum.

In recognition of his hard work and dedication to the 'Compliance Cause' he was presented the 'Outstanding Contribution to Compliance' award by the CSA in 2010 and was further invited to tutor their Diploma Course in 2012.

Since starting with Opos, Steff has shown to be an integral part of the business and has quickly rose through the ranks from collections agent to becoming a key part of the senior management team....

Since starting with Opos, Steff has shown to be an integral part of the business and has quickly rose through the ranks from collections agent to becoming a key part of the senior management team.

Starting as a collector in the call centre she has developed through our leadership pipeline holding positions with Client Services, Recruitment and Training. Steff had studied IT and Web-design at college and expressed an interest in developing her skills. She was seconded to DDI to provide additional support to Margo with special projects. During this time, she worked closely with Margo to develop OurOpos. OurOpos is our Electronic Learning Development and Assessment Centre.

In January 2018 Steff was promoted to Business Support Manager and is now fully committed to continuous improvement. Steff is now taking the next step to developing her skill-set and has been enrolled in an industry approved accountancy course.