Arktika Capital acquires and manages non-performing loan portfolios from banks, credit card companies, and other financial institutions across Europe.
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OFFERING
deposit accounts with a
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fixed annual return
About Us
Arktika Capital is a Swedish credit institution specializing in the acquisition and management of non-performing loan portfolios across Europe.
We focus on unsecured consumer credit and operate with a fully regulated, data-driven model designed to deliver transparent, responsible, and sustainable outcomes for financial institutions and consumers alike.
Our Value Proposition
Our efficient and data-driven operating model allows us to offer competitive pricing for sellers while maintaining full regulatory compliance.
Through both one-off transactions and forward flow agreements, we provide flexible solutions that support our partners’ capital planning and balance sheet management.
By combining analytical precision, operational efficiency, and responsible portfolio management, Arktika acts as a reliable, long-term partner in creating sustainable value within the European financial system.
Business Areas
We acquire portfolios in all stages of non-performance, with a clear focus on unsecured consumer loans.
Our efficient and data-driven operating model allows us to offer competitive pricing for sellers while maintaining full regulatory compliance.
Through both one-off transactions and forward flow agreements, we provide flexible solutions that support our partners’ capital planning and balance sheet management.
By combining analytical precision, operational efficiency, and responsible portfolio management, Arktika acts as a reliable, long-term partner in creating sustainable value within the European financial system.
All deposits are protected under the Swedish deposit guarantee scheme, providing security and confidence for every saver.
We currently offer deposit accounts to customers residing in the Kingdom of Sweden.
Our products combine competitive, market-leading returns with a modern and intuitive digital interface — designed to make saving both simple and secure.
Arktika’s savings solutions reflect our core values of responsibility, transparency, and efficiency, ensuring that customers benefit from both financial strength and technological innovation.
Careers
At Arktika, we combine a data-driven mindset with a dynamic and forward-looking business culture.
We operate in an environment where analytical precision meets entrepreneurial energy — a place for people who thrive on responsibility, pace, and measurable results.
Our work is fast-moving and business-intensive, yet grounded in transparency, respect, and regulatory discipline.
We value collaboration, curiosity, and the ability to turn insight into action.
As Arktika continues to grow across Europe, we offer opportunities for talented professionals to contribute to building a modern, responsible financial institution — one that combines technology, integrity, and performance.
Location: Stockholm, Sweden / Hybrid
Employment Type: Full-time
Become Our New Senior Portfolio Analyst – Specializing in NPL & Collections
Are you a sharp analyst with deep expertise in Non-Performing Loans (NPL) and debt collection portfolios? Could it be that your current organisation have a focus on being capital light and are not investing anymore at the levels that you see potential deals in? Do you want to play a key role in optimizing our capital allocation and risk management? Then you might be the one we’re looking for!
FIND OUT MORE
Our team
Arktika’s leadership team brings together deep financial sector experience, strong analytical capability, and a proven track record in regulated credit institutions and European NPL markets. Our organisation is built on clarity, accountability, and operational excellence — ensuring disciplined execution and sustainable growth.
Mattias Carlsson has over 20 years of experience in banking and specialty finance. He served fifteen years as CEO of TF Bank, leading the bank’s international expansion and its IPO on Nasdaq Stockholm. He currently serves as Chairman of LBS Group and Chairman of Qred Group.
His previous board roles include Chairman of Hoist Finance , Chairman of TF Bank AB and its subsidiaries during the IPO period , and various board and executive roles within TF Bank between 2008 and 2023. Mattias holds an MSc in Engineering Physics from Uppsala University.
Moulay Mhamed Elalamy is CEO of Saham, a diversified investment group active across financial services, insurance, banking and international business services. Since 2018, he has led the Group’s strategic development, including the growth and listing of Majorel and its subsequent merger with Teleperformance, with Saham remaining a long-term shareholder.
Within Saham, he has overseen the development and divestment of regulated financial businesses as well as the Group’s expansion into banking through the acquisition of the control of Société Générale Marocaine de Banques (SGMB), now operating as Saham Bank. He previously served as CEO of Saham Assurance Maroc and Saham Assistance and is currently Vice-Chairman of Saham Bank and a Chairman of the board of of Eqdom. He holds a degree from the University of British Columbia, with additional studies at Harvard University and Sciences Po Paris.
Henrik Käll has more than 25 years of experience in global financial markets, including senior leadership roles at Nordea Markets such as Global Head of Markets Sales & Distribution and Global Head of Markets Trading. He previously held positions at Dresdner Kleinwort and Natixis in London. Henrik serves on several boards, such as Castellum AB and Garantum AB, where he is Chairman, and is founder and board member of Fxity AB. He holds an MSc in Economics and Business Administration from Uppsala University.
Fadwa Ben Saad is Chief of Staff and M&A at Saham, responsible for governance and group-wide investment activities. Her previous roles include senior positions in M&A, finance and investment management at Saham, OCP and L’Oréal. She serves on the boards of SGMB, Eqdom and Sogelease and holds a Master’s degree from ESCP Business School.
Otmane Serraj is CFO for the Europe, Middle East, Africa and Asia-Pacific regions at TP Group. He previously served as CFO of Majorel, where he oversaw global finance and IT and managed the Group’s IPO on Euronext Amsterdam. He has more than 25 years of experience in finance, CX/BPO and technology-enabled services. Otmane is a graduate of École Polytechnique and École Nationale Supérieure des Télécommunications.
Jan Altersten has held senior executive roles across consumer finance, payments, and debt collection for more than two decades. He served as CEO of Riverty between 2021 and 2024, leading the group’s strategic repositioning following the rebranding of Arvato Financial Solutions. The group operates across 13 European countries.
His experience includes multiple board roles within banks and licensed financial institutions. Jan holds a law degree from Stockholm University and has completed executive education at Stanford Graduate School of Business and Harvard Business School
Regulatory
Corporate Governance
Arktika’s governance model is designed to promote a sustainable business strategy and sound risk management, while safeguarding the interests of customers, clients, investors and other stakeholders. The company’s internal rules and procedures are established by the Board of Directors and reviewed regularly to ensure continued effectiveness and alignment with applicable laws and supervisory requirements.