Our leaders

Jesse Young partnered with Credico in 2005 and is currently the President of Credico. Prior to joining Credico, Jesse founded and developed several successful marketing ventures, diversifying his professional portfolio as a dedicated businessman and entrepreneur. In his first three years with the company, Jesse utilized his skills for shaping the direction of Credico’s sales strategy by doubling the size of the European sales network. By 2011, when Jesse brought that vision to the USA, Credico had quadrupled in size across the globe. Jesse works hand-in-hand with several charities and is an international leader in face-to-face fundraising. Jesse earned a Bachelor’s Degree in Business Economics and Marketing from Brown University where he was senior class president, a student-athlete and collegiate wrestler.

John Zavoyna joined Credico in 2017 and brings 30+ years of executive and C-level experience in the Financial Services and FinTech verticals. John previously served as COO and Chief Commercial Officer for BFS Capital, and President and CEO for Dell Financial Services. He also spent nearly 24 years with the $110 billion MBNA bank in a range of executive positions including the management of P&L business lines, finance, credit, operations, sales, marketing, product development, emerging technologies, strategy, and acquisitions. John is a “cum laude” graduate from the Stonier Graduate School of Banking at the University of Delaware and earned his MBA from Mount Saint Mary’s University. He also holds a BS in Economics from Frostburg State University where he also served as co-captain of the varsity lacrosse team.

Neil R. Pandey joined Credico in July of 2017 and is currently the Chief Legal Officer and General Counsel. In this role, Neil manages all legal and compliance matters for Credico and its affiliates. He implements strategic business practices, oversees all legal transactions and policies, manages risk, and provides a broad array of legal and compliance guidance to Credico’s leadership. Prior to joining Credico, Neil worked as Associate Attorney in several law firms where his work focused on corporate white-collar government investigations, commercial transactions, and other forms of complex civil litigation. After obtaining his B.A. from the University of Illinois at Urbana-Champaign, Neil graduated with honors from American University’s Washington College of Law. While in law school, Neil served as a Note and Comment Editor on the Administrative Law Review, competed in several Moot Court competitions, and published two legal articles.

Kealy Ditchfield joined Credico USA as the Vice President of Client Services in 2018, responsible for overseeing key accounts, leading strategy development, and maintaining senior-level client relationships. This role follows 5 successful years as Director of Operations for Credico United Kingdom, where she was responsible for overall business compliance and managing the London finance and operations team. Bringing a total of 23 years of business operations and development experience in the direct sales industry, Kealy is a results-oriented individual with proven leadership, outstanding teamwork, and excellent analytical skills. A go-to-person for improving operational performance, her key strengths include analyzing performance, reviewing processes, identifying areas in need of development and building key relationships. She has formulated strategies and implemented a support system to staff across the globe.

Ryan Heyes is the Vice President of Business Development for Credico USA. He is a dynamic business development professional with a proven track record of establishing strong, long-term client relationships. With over 19 years of experience in client management, public relations, and international business, Ryan currently manages an impressive portfolio of Fortune 100 and Fortune 500 clients. In 2008, he began working with Credico Consulting in the UK developing new business and revenue streams to further boost Credico’s reputation as the leading provider of direct sales and customer acquisitions. By securing partnerships with the UK’s leading energy and telecommunications providers within two years, he solidified his place on Credico’s fast track. In 2010, Ryan accepted the appointment of General Manager, Credico Consulting South Africa and relocated to the Johannesburg headquarters to overhaul and redesign operations, ultimately increasing their client portfolio to 16 clients. Since arriving in the United States in 2014, he has secured partnerships with North America’s leading energy provider, the US’s leading retail chain, and is currently developing new business ventures in the finance, telecommunications, and alternative business sectors.

Mark Johnson joined Credico in May of 2017 and is the Chief Financial Officer of Credico North America. In this role, Mark manages all the financial operations of Credico North America and leads the accounting and commission teams through his roll-up-the-sleeves mentality. Prior to joining Credico, Mark worked as Chief Financial Officer for a group of companies offering trading technologies and brokerage solutions.  He has 12 years of experience in financial and trading operations specializing in process improvement, control implementation, data analytics and modeling, and corporate administration. Mark holds a Bachelor’s degree in Accounting and a Master’s degree in taxation, and is a licensed Certified Public Accountant.