Experienced professionals committed to driving higher standards and a fairer approach.


CDER Group’s management team brings together the knowledge, experience and reputation from some of our industry’s most successful and progressive leaders. Our Executive Team members are active industry participants and are united in their commitment to driving the best outcomes for customers and clients, through fair engagement and an economically responsible approach.

NICK TUBBS  |  Chief Executive Officer

Nick has over 20 years’ experience at Board level as a chief executive, managing director, consultant and non-executive director within listed companies and large corporates. With a strong track record of applied innovation, he has designed and led business transformation through implementing growth, business improvement and service quality programmes. These skills have been gained whilst working in Blue-Chip FTSE 250, NYSE and Swiss-listed firms. Nick joined JBW in 2016 and led our successful transition to the CDER Group in 2020.

Paul Caddy

PAUL CADDY  |  Director, Central Government Services

Prior to joining Phoenix Commercial Collections (now CDER Group) in 2013, Paul delivered a range of service and performance improvements as Group Operations Director with the Marston Group. He has successfully completed an MBA and a degree in Law and in 2010 was appointed as an Authorised High Court Enforcement Officer.

A past President of CIVEA, and member of the Enforcement Law Review Group and the Enforcement Regulation Group, Paul was central to the successful legislative and fee reforms of the 2014 Taking Control of Goods Regulations.Paul is acknowledged as an expert on enforcement legislation and he has published numerous articles and best practice documents.

Paul has engaged in extensive dialogue with the advice sector, including MIND, Advice UK, Lord Lucas, Money Advice Trust, the Consumer Credit Counselling Service, and Citizens Advice.


ANDY CUMMINS  |  Director, Local Government Revenues

Andy has over 30 years’ experience within local authority revenue collection and the enforcement industry. Following roles including NNDR Manger with the London Borough of Barnet, Andy joined The Capita Group as a Revenues Manager, then as Head of Recovery, responsible for the collection of Council Tax and NDR for Capita’s Local Government clients.

Andy joined the enforcement industry in 2003 when Capita acquired Equita, and joined Phoenix in 2007 as Business Development Director, quickly building robust client relationships through his unique hands on approach, putting himself in the clients’ shoes at all times.

As is a former (twice elected) President of the IRRV London and Home Counties Association Andy remains an active industry figure, now leading our Local Government Revenues Directorate.


CAROLE KENNEY  | Welfare, Road Traffic and Road User Charging Director

Carole has over 18 years’ experience within the enforcement industry. Educated at Roehampton University and the Cranfield School of Management, she has a comprehensive knowledge of all areas of business management and growth, with a proven track record of planning and delivering strategic goals and objectives.

Leading and managing a number of large central and local government contracts Carole has an excellent reputation for identifying customer needs and delivering high performance and outstanding customer service.

Carole is passionate about delivering compliance and enforcement services in a fair and ethical manner and works vigorously within the sector to promote best practice. She has cemented firm relationships with many advice sector organisations, supporting their goals and enhancing business processes to fully support vulnerable customers.

LEE BROWN  |  Chief Operating Officer

Lee joined the industry in 1992 and, after completing a successful 10 years at Welcome Financial Services (FTSE 250) as their Director of Operations, he joined JBW in 2011 as our Chief Operating Officer. Lee is responsible for service delivery and operational excellence, whilst ensuring compliance to legislative and client requirements. As Chief Operating Officer Lee also holds a number of key account relationships and manages the Darlington operations centre.

XIANG LU  |  Chief Finance Officer

Xiang has over 16 years experience in the financial industry working with a top 20 accountancy firm. After qualifying as a medical doctor, Xiang changed her career 20 years ago and joined JBW in 2011. Xiang is responsible for CDER Group’s Finance and Company secretariat. Her role includes effective strategic and operational financial planning, monitoring and reporting, statutory accounting requirements and key relationships with banking partners.

JOHN SWEET-ESCOTT  |  Chief Technology Officer

John has 25 years experience in the IT industry and is CDER Group’s Chief Technology Officer. He ensures that our technology continues to lead the industry and delivers effective and compliant collections. John has previously led large engagements with significant UK clients including Lloyds TSB and BT. He is responsible for all of our systems, including IT and data security, client systems and process integration as well as the management of our growing team of IT professionals who ensure the smooth running of our systems. In addition to maintaining our compliance with ISO 27001 and GDPR, John is an proactive leader driving innovation and change to continuously improve our processes and use of technology.

ADRIAN GREENWOOD  |  Head Of Business Intelligence

Adrian joined JBW in 2015 as Head of Business Intelligence. He is a highly skilled analyst with over 15 years experience specialising in business intelligence and performance improvement reporting. During his time at JBW and CDER Group Adrian has implemented market leading Business Intelligence tools, to deliver both company wide operational KPIs and granular insight into batch level performance.

On a day-to-day basis, Adrian and his team work closely with the Operational management team to provide accurate Management Information to support the achievement of contractual targets and positive customer outcomes. Adrian’s team collaborate with clients to provide a transparent, relevant and detailed understanding of performance, and are able to offer unrivalled insight across CDER Group’s services.


Helen has a Master’s degree in Human Resource Management & Development and 16 years’ experience in Human Resources, nine in the sub-prime finance industry. Helen joined JBW in 2011 as Head of HR and has established an engaging HR strategy and supporting framework of policies and procedures across the group.

Leading CDER Group’s HR and training teams, Helen’s responsibility is at the heart of our customer service delivery. Helen manages recruitment processes to attract the right level and quality of candidates, and ensures employees receive the high standards of training and development support needed to maintain CDER’s quality and performance standards.

Helen also has overall responsibility for the management of our ISO 9001, 14001, OHSAS 18001 and Investors in People accreditations alongside social welfare initiatives such as the Healthy Workplace Charter.