Our Team


Michael G. Kolodin – Managing Member

Michael G. Kolodin has been in the BPO / collections industry since 1979. He has owned and operated several collection agencies during that period specializing in consumer, corporate and medical debt.

As a debt purchaser, Michael has purchased hundreds of millions of dollars in face value debt directly from originators and brokers and in 2005 started setting up turn key collection call center operations overseas. Michael’s duties consist of supervising and running the daily operations of all USA and international call centers and the debt placements, sales and purchases.


Sandeep Bhatnagar – Director of Overseas Operations

Sandeep has over 25 years of experience with various ITES technologies, Telecom, Software and Manufacturing organizations in UK and in India. He has worked for organizations like Bharti, Stratsoft Inc, Telecom Italia and Air Liquide. He has vast experience in Operations, Business Development, Technology issue resolutions, structuring and establishing business organizations in India. Sandeep heads our Overseas Operations, Business Development strategy, Marketing Planning and Execution. With a Masters degree in Marketing and organization behavior he holds a pivotal position in the organization.


Mark Beach – Special Advisor

Mark Beach is a 30 year 1st and 3rd Party collection industry veteran with executive-level management experience in the Auto Finance, Student Loan, Commercial, Bankcard, Medical, Telecommunications, and Utility markets. His positions have included Bank Officer, Compliance Officer, Director of Client Services, Director of Operations, Director of IT, Chief Operations Officer, and Agency Partner. In 2004, Mr. Beach liquidated his agency partnership interest and joined Collection Solutions Software as an equity Partner and its Chief Operations Officer. Collection Solutions Software is the maker of IMPACT!, the only collections software application with true built in regulatory compliance features and cross platform capabilities.


Scott McCollum – Special Advisor

Scott McCollum joined Electronic Payment Providers as President in 2007. He is responsible for the company’s reach and client base through sales direction and relationship management as well as corporate strategy development.

Prior to joining EPP, Mr. McCollum served as Vice President of Sales and Marketing for Access Corporation where he was responsible for developing and implementing overall sales and marketing strategy. While at Access, McCollum also sat on the board of directors. Mr. McCollum has served on the ACA vendor advisory committee and has also been involved in developing strategic integration partnerships with most major collection related companies for the past 10 years.


George Terzi – Special Advisor

George Terzi is the President and CEO of GT Services, Inc. Founded in 2001, GT Services, Inc. specializes in the acquisitions, sales and third party outsourcing of consumer debt.

Mr. Terzi, a graduate of The California State University at Fullerton, has been in the Debt Industry for nearly 15 years where he has compiled sales over $120 million representing approximately $6.3 billion in face value. In addition to his sales, Mr. Terzi has been involved in the purchase of billions of dollars in face value of debt, directly and indirectly through the originating institutions. Prior to GT Services, Inc., Mr. Terzi was the Vice President of Sales & Acquisitions for Vision Management Services.


Rick Zois – Special Advisor

Rick Zois has a combined 20 years of experience in receivables management and information solutions. He specialized in work flow design, account treatment strategies, and data utilization.

Rick, a graduate of High Point University, began his career as a collector for Palm Beach Credit Adjusters in 1993. Over the last 10 years, he has held sales and management positions with both ChoicePoint and LexisNexis. During this time, he has worked with debt buyers, first party credit grantors, third party collection agencies, and insurance companies to develop and implement effective receivables management programs.


Steve Ruderman – Special Advisor

Steve Ruderman has been in the financial services arena for over 20 years.Steve runs his own company, Executive Level Sales Outsourcing Services, ELSOS. Steve also runs Credit and Collection News (CCN) a daily electronic newsletter specifically designed for the credit and collections vertical marketplace with a subscriber database of over 50,000. Prior to running Elsos and CCN, Steve ran national sales for Amerix and The Fanuel Group. Prior to that Steve ran regional sales at Equifax for over 10 years. He has been on the board of CCCS of San Diego and was the National Sales Advisor for the NFCC.


Collection Training Institute, LLC and CTI Training Institute, Pvt. LTD accepts employment applications for our USA and India offices for those qualified credit and collections or call center industry professionals.

Interested in applying? Contact us at our corporate headquarters.