About Us
Norrvidd Finance AB (publ) is a credit institution, founded in Stockholm in 2025, supervised by the Swedish Financial Supervisory Authority (Finansinspektionen).
Our Business Model
Our business model is deliberately simple. We fund ourselves through deposits from the public and invest these funds in acquired portfolios of non-performing consumer loans. This gives savers a competitive return covered by the deposit guarantee. At the same time, banks gain a credible, well-regulated counterparty to which they can transfer NPL portfolios.
What We Do
Acquisition and Management of Non-Performing Loans
We acquire portfolios of non-performing consumer loans, meaning loans that are no longer being repaid according to their terms. We have a particular focus on the segment of larger loans.
Savings
We offer fixed-rate savings accounts to private customers. These EUR savings accounts are offered through the Raisin savings platform and are covered by the Swedish deposit guarantee, up to SEK 1,150,000 per customer. The Swedish deposit guarantee is administered by the Swedish National Debt Office (Riksgälden). For more information, see the Swedish National Debt Office's website.
Management Team
Our management team consists of people with extensive experience within our business areas as well as from many other industries.
CEO
Niklas Helin
Extensive experience in banking and finance, including NOBA and several senior roles at Intrum, one of Europe's largest investors in and managers of non-performing loans.
CFO
Krister Axelsson
Broad experience from roles covering risk, regulatory reporting and NPL management, including at SEB and the Swedish National Debt Office (Riksgälden).
CIOO
Emil Gustafsson
Extensive experience in NPL investments across several businesses, including Lindorff, Hoist Finance and NOBA.
CRO
Stefan Elofsson
Broad experience covering risk, business development, capital adequacy and NPL investments from, among others, Swedbank, Advisense and Rediem Capital.
CCO
Anna Richardsson
Extensive experience in financial law, compliance and AML matters, particularly from her time at Advisense.
Board of Directors
The Board of Directors is responsible for Norrvidd Finance’s organisation and overall management and has the ultimate responsibility for the company's governance and control.
Chair
Erika Rönnquist Hoh
Over 20 years of experience in the financial sector, including senior roles at companies engaged in NPL investments, such as Lindorff and PRA Group.
Board Member
Torbjörn Jacobsson
Over 30 years of experience in the financial sector, with extensive CRO and CFO experience from, among others, Avida Finans and Marginalen Bank.
Board Member
Arash Bigloo
Extensive experience in financing, capital matters and liquidity management from, among others, NOBA and Nordea.
Governance
Norrvidd Finance operates under a robust governance framework designed to ensure regulatory compliance and long-term stability. The business operations are responsible for day-to-day risk management, while the Risk and Compliance control functions form the second line of defense. Finally, the third line of defense consists of the independent internal audit function.