Credit servicing for non-performing loan portfolios in Finland and Sweden
CapFore manages bank-originated, unsecured consumer NPL portfolios on behalf of the institutions that own them. We handle the portfolio across the full recovery cycle: sourcing, due diligence, data migration, collection, legal enforcement and reporting. We do not invest in portfolios ourselves. Our institutional capital partners provide the capital and hold the position.
We operate in the following countries
Capfore serves its customers across the Nordic and Baltic countries. We will expand our operations into Central Europe during 2027.
What this means for the seller
A higher price for the same portfolio. A bid is capped by what the portfolio will cost to collect. Ours costs less, so more of the recovery value goes into the price instead of into servicing fees.
No conflict of interest. CapFore does not buy portfolios. We are not a competing bidder in a process we are also advising on.
Our own technology. Data analysis, portfolio transfer and collection all run on a platform CapFore built and owns. Automation handles the routine work at each step, which is what keeps the cost of servicing low.
One counterparty across the Nordics. Finnish and Swedish portfolios run through the same team and the same process, with Norway from early 2027. A seller operating in more than one market does not need a separate counterparty in each.
Regulated servicing. We operate under the EU Credit Servicers Directive, with documented complaint handling and a full audit trail on every account.
Borrower treatment. How a portfolio is collected reflects on the seller long after the sale. Conduct standards are part of the mandate.
Our servicing platform
Sourcing, pricing analysis, due diligence, data migration, collection, enforcement and reporting run on a single platform. The intellectual property is owned by CapFore and the system was built to our own specification.
Owned technology. The platform is ours, not a licensed third-party product.
Pricing and analytics. Long-term cash-flow modelling supports every valuation, and each serviced portfolio improves the model.
Data migration. Migration is continuous platform integration rather than a single handover at closing.
Reporting. Real-time reporting and a complete audit trail for every stakeholder.
Open positions
We are building the Swedish business. These are the roles we are hiring for right now.
About CapFore
CapFore covers the whole NPL cycle on unsecured consumer portfolios, using our own purpose-built platform and a common operating model adapted to local market and regulatory requirements. That platform is the engine. It runs newly acquired portfolios for institutional investors, and existing back books for credit institutions and collection agencies looking to improve recovery performance and economics.
Sweden is already operational, with the first mandates secured and portfolios on the platform. As we continue to scale our Swedish business we are looking for a Collection Specialist or a Senior Collection Specialist to join our team in Gothenburg on a permanent basis.
Are you a credit management professional who enjoys challenges and varied responsibilities? Are you interested in customer service and more demanding debt collection tasks, and would you like to develop your expertise as our business grows? With us, you will become part of a professional team where collaboration and solution-oriented thinking are highly valued.
The role
In this role, you will handle a wide range of debt collection and credit management tasks. Your responsibilities will include customer service by phone and email, legal debt collection, communication with authorities, and handling debt restructuring matters. You will also have the opportunity to influence our ways of working and processes and develop your expertise as the business grows. The role can be tailored to your interests and experience, allowing you to make the best use of your strengths.
You report to the Operations Director, Sweden.
Your background
We value experience in debt collection customer service, legal debt collection, insolvency matters, and credit management. Previous experience in portfolio migrations is also considered an advantage. However, you do not need to be an expert in everything from day one, as you will receive comprehensive onboarding and training for the role. We hope you are a team player who takes initiative and has strong problem-solving skills. Good IT skills and fluency in both Swedish and English are required.
Practical details
You will be employed by CapFore AB. Our Swedish office is in Lilla Bommen, Gothenburg, where we expect you to spend three days a week. Our office offers daily breakfast and free access to the gym for all employees. The position is permanent, and the starting date can be agreed upon. A credit check will be carried out for the selected candidate.
The monthly salary range for the position is 30 000-45 000 SEK, depending on the selected candidate’s skills and experience.
Interested?
If you feel you could be the person we are looking for, please send us your application with your salary expectations as soon as possible to recruitment@capfore.com. Please submit your application in English. We review applications as they are received and will make a hiring decision once we find the right candidate.
If you have any questions about the position or the recruitment process, please contact us at recruitment@capfore.com.
Why CapFore
CapFore started in Finland in 2024 and today operates across Finland and Sweden through a lean, founder-led organisation in Helsinki and Gothenburg, with short decision paths and one technology platform. Norway and Poland are planned to launch in early 2027.
The Swedish business has a proven foundation, but much of its future is still there to be built.
Applications and questions: recruitment@capfore.com
Closing date: 27.11.2026
The people behind Capfore
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Jesper Dorph
COO and Head of Expansion
Jesper brings more than 15 years of experience in debt collection, credit servicing and NPL, including senior executive roles as COO Nordics and, for seven years, COO Europe at Alektum Group. As COO and Head of Expansion at CapFore, he is responsible for operational development and international expansion, while playing a key role in developing CapFore's NPL investment and servicing activities across existing and new markets.LinkedIn -
Lauri Kosloff
Founder, CEO
Lauri brings more than 20 years of experience in finance and credit management, including CFO of Intrum Finland and Head of Finance at Zolva Finland, with earlier controller roles at Finavia and Nestlé. As CEO and co-founder of CapFore, he leads the company and is responsible for its financial management, funding structure and relationships with institutional capital partners.LinkedIn
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Joona Hertola
Founder, Chairman
Joona brings more than 15 years of experience in NPL investment, credit servicing and consumer finance, including Country Manager for PayEx in Finland, founder and CEO of CreditVisor and operative co-founder of Avarda, with earlier roles at Klarna and Intrum. As founder and Chairman of the Board of CapFore, he sets the company's strategy and leads its relationships with portfolio sellers and institutional capital partners.LinkedIn
Authorisation. CapFore Oy is authorised as a credit servicer by Finanssivalvonta, the Finnish Financial Supervisory Authority, under Directive (EU) 2021/2167. We are separately registered as a debt collection operator with the Regional State Administrative Agency of Finland, which regulates collection activity itself.
Sweden. Our Finnish authorisation is passported into Sweden under the directive, with Finansinspektionen as host-state supervisor. No separate Swedish licence is required.
Governance. Compliance, reporting and risk controls are built to the standard expected of a regulated banking counterparty, and have been reviewed in full institutional due diligence.