CREDIT MADRID 2025

Mark Harrison is a renowned authority in Credit Management, with over 40 years of experience shaping and transforming the Order to Cash (O2C) landscape across the EMEA region. A dynamic leader, visionary educator, and talent development advocate, Mark has devoted his career to elevating the strategic importance of Credit and Collections within global business operations.

Throughout his extensive career, Mark has held senior leadership and consulting roles, overseeing the successful transition and optimisation of numerous Shared Services Centres (SSCs) in Central Europe. His deep industry knowledge, combined with a results-driven mindset, has consistently delivered rapid and sustainable improvements in key performance indicators (KPIs). Mark is particularly recognised for integrating innovative technology solutions to streamline operations and empower high-performing teams.

You could say I fell into credit risk by accident, but once you're in, you can't escape (Stockholm syndrome, anyone?).

For over a decade, I’ve worked with corporations across Europe to navigate credit risk, simplify decision-making, and sleep a little better at night. But in my new role, it’s not just about telling the story. I get to help write it.

As Senior Director of Product Strategy for Corporate Credit Risk at Moody’s, I work from the inside out to shape solutions that align with real-world business challenges.

I’m about making things work smarter, not harder, whether that’s automating tedious tasks or helping businesses make better credit decisions faster.

I like ensuring our clients aren’t bogged down in the minutiae. They need to focus on the real, high-impact decisions, like when to extend credit or how to mitigate risk when global supply chains decide to throw a tantrum.

What drives me is closing the gap between the aspirational vision and what clients actually need. I help shape tools like MaxSight™ and Moody’s View into solutions that deliver clarity over complexity, because it’s not about ticking boxes, it’s about solving real problems.

I thrive on blending innovation with what actually works. Whether it’s listening to customer feedback, aligning internal teams, or building strategy around real use cases, I focus on combining business insight with practical innovation that makes a difference.

Joanna Miler-Janicka is a Digital and AI Transformation Leader with over 15 years of experience driving enterprise-scale change across Fortune 500 companies and high-growth ventures. Known for turning strategy into traction, she applies automation and artificial intelligence to eliminate operational friction, enhance financial performance, and elevate the customer experience.

Her transformation work spans complex environments - from renewable manufacturing and digital HR services to smart infrastructure -consistently delivering measurable impact. Results include significant improvements in receivables performance, major reductions in manual workload, and multimillion-euro savings across global Order-to-Cash and service operations.

With over a decade of experience in the banking sector, I’ve had the privilege of holding various roles in underwriting, risk management, and banking supervision, where I was part of a team with the ECB and the Central Bank of Spain. One of the most rewarding chapters of my career was during the COVID crisis, where, as a supervisor, I partnered with one of Iberia’s largest financial institutions to help them successfully navigate the unprecedented challenges of the time.

 Now, at Moody’s, I’m thrilled to be making a difference by supporting non-financial corporates of all sizes and segments and governmental institutions in assessing and monitoring credit and financial risk, proactively identifying potential issues, and strengthening the resilience of their risk management strategies. It’s an exciting opportunity to drive meaningful outcomes in an ever-evolving financial landscape!

With a CV which includes Marketing and Managing Director roles within Time Warner businesses, Heather Leveton has over 25 years experience in developing and implementing strategic business plans that meet financial targets and deliver long-term business growth. 

Currently Head of Marketing and Business Development for market-leading outsourced receivables management provider 4D Contact,  building clients bespoke solutions to meet challenges within their O2C processes.