Key Personnel

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Ross’s desire to remain engaged and obtain successful outcomes for his clients remains strong after more than three decades in the debt recovery-credit management industry.

Time has seen many business relationships develop into long term friendships as his hands on involvement in collection activity and client liaison provided clients with a high level of accountability and transparency for the results that were achieved.

An infectious, enthusiastic approach to his day to day activities compliments a professional, courteous manner when dealing with both clients and debtors alike.

Complete Credit Management Services Pty Ltd provides Ross with the opportunity to again be involved in ‘grass roots’ industry activities that are his passion, with clients being the first hand beneficiaries of his many years operational and process experience.

Historical Experience Overview:

College Mercantile – (1978 – 1986)

After initially commencing employment as a Customer Service Officer Ross assumed the position of Bendigo Branch/ Client Services Manager in 1980 and remained in that position until leaving the Company in 1986.

Midstate Credit Management Services Pty Ltd – (MCMS) (1987 – 2015)

A founding director of MCMS, Ross, together with fellow director and business partner Robert Hands, oversaw the growth of a fledgling business start–up in 1987 to become Victoria’s largest regionally owned and operated debt recovery businesses at the time of its acquisition by Collection House Ltd in 2002.  At this time MCMS was the largest single service provider of debt recovery services to Victorian regional councils and had an extensive high profile commercial client portfolio.  Over the following thirteen years Midstate Credit Management Services Pty Ltd morphed into Midstate CreditCollect Pty Ltd with the further acquisition of the Gippsland debt recovery agency CreditCollect in 2012 . During this post business ownership period Ross held positions as Branch, Client Services and Area Manager up until his departure from the organisation in April 2015.

Complete Credit Management Services Pty Ltd (CCMS) (2015 – Present)



Twenty five years as the National Credit Manager of the Southern Cross Broadcasting/Austereo places Anne in the ideal position to identify with what a client requires from their debt recovery service provider.

Assisted by a team of eight Anne managed and monitored accounts for Metropolitan Radio Today’s Hit & Triple M Networks, 3AW Melbourne, Magic 1278, 2UE Sydney, 4BC and 4BH Brisbane, 96FM and 6PR Perth, seventy regional radio stations and thirty television sub markets with annual revenue that exceeded $640 million.

Liaising with Lawyers, Liquidators and Receivers, Court personnel in various jurisdictions and the SCB Networks own debt recovery service provider Anne’s organisational skills and attention to detail ensure CCMS clientele receive an effective, timely and accountable debt recovery service of the same high standard expected and demanded in her previous credit management position.

Complete Credit Management Services Pty Ltd (CCMS) (2015 – Present)



Christine Ritchie is another integral member of the CCMS inaugural team.

CCMS clients benefit from the knowledge and experience that she has  gained during her twenty-five years in the debt recovery industry.

Always aiming to achieve the best possible outcome for her client’s and client portfolio, analytical decision making and a strong dedicated work ethic enabled Christine to progress from Customer Service Officer to Manager of Midstate Credit Management Services Bendigo during more than two decades she spent with that organisation.

With a wealth of commercial litigation experience and a genuine desire to assist and provide accountable and effective service, the return to the ‘boutique’ debt recovery environment enables Christine to provide advice and recommendations that are in the best interests of her clients commensurate with the circumstances that relate to each particular file.

A valuable resource to both our organisation and our clientele.

Complete Credit Management Services Pty Ltd (CCMS) (2015 – Present)