Our leaders

Antoine Nohra is the owner, founder, and chairman of Credico. In 1991, Antoine started a direct sales business in Canada that focused on credit card acquisitions inside retail stores. With over 25 years of experience in alternative channel sales and marketing, Antoine brings superior leadership and direction to Credico across the globe. Antoine’s strategic vision of growth has led Credico’s expansion to diverse industries worldwide. As a dynamic businessman, Antoine brings tremendous marketing skill and business sense to the direct sales industry. Antoine holds an executive MBA from the University of Michigan’s Ross School of Business.

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.

Jeremy Klarner is the Vice President, National Accounts for Credico USA and Canada. He brings over 25 years of experience in direct sales, team leadership, and client management to our organization. Jeremy started with Credico USA in 2012 after spending 10 years with the company in the UK helping expand the business overseas. He started as a field sales agent and managed sales offices in multiple countries before moving into National Accounts to support our growing portfolio of clients. Managing a team of National Account Managers focused on producing a quality product for our clients, Jeremy‘s commitment to support all aspects of our business overlaps into every single department in Credico. His involvement and dedication to ensuring we run a productive, compliant and profitable business is evident in every client interaction he has. That same mentality is also shared by the team of NAMs who support hundreds of independent sales offices as well as dozens of those clients. His excitement and enthusiasm for our business is absolutely contagious and one of his greatest attributes. Before joining Credico, Jeremy graduated from the University of Kansas with a Bachelor’s degree in Liberal Arts and Sciences and a minor in Psychology.

Michelle Smith is the Vice President of Client Relations for Credico Canada. She brings over 30 years of rich and diverse experience in the marketing sector, encompassing both corporate and entrepreneurial arenas. Michelle joined Credico in 2019 following successes in the telecommunications and financial services industries, along with 13 years of entrepreneurship after founding her own event management firm. She has wide-ranging experience managing client relations and corporate events for prominent organizations, honing her expertise in building businesses through innovative initiatives. Her collaborative approach to business relationships offers deep insights into business strategies and success formulas. At Credico, Michelle is dedicated to leveraging her extensive experience to foster growth and enhance opportunities for both existing and prospective clients. Michelle holds a Bachelors degree in Sociology as a proud alumna of Western University.