Corporate Governance

Compliance, internal control and risk management

Kredinor is subject to extensive requirements in debt collection, finance, data privacy and sustainability. To ensure compliance with laws, regulations and internal guidelines, we work systematically with:

• risk assessments and internal control
• clear roles, responsibilities and decision-making lines
• ongoing follow-up and reporting to management and the Board of Directors

Risk management is integrated into both strategic and operational processes, and covers, among other things, regulatory risk, operational risk, IT risk, data privacy and reputation.

Whistleblowing and openness

For an organisation to be robust and responsible, it must be safe to speak up. Kredinor has therefore established whistleblowing channels that make it possible to report unacceptable conditions – both anonymously and by name.

The whistleblowing arrangement:

• protects the person who reports
• ensures independent handling of cases
• contributes to learning and improvement

Openness and a willingness to address challenges are an important part of our governance model and culture.

Supplier follow-up and responsibility in the value chain

Kredinor works with a large number of suppliers and partners. Responsible business conduct also means responsibility for how the value chain functions.  We set clear requirements for suppliers through:

• a supplier code of conduct with requirements relating to ethics, human rights and working conditions
• systematic mapping and follow-up of suppliers
• assessment of ESG factors when entering into and renewing agreements

The aim is to ensure that our business partners comply with fundamental requirements for responsible and sustainable operations.

Data privacy, cybersecurity and trust

Protecting information is a central part of corporate governance at Kredinor. Our operations depend on secure IT systems and the correct handling of personal data.

We therefore work continuously with:

• data privacy and compliance with GDPR
• information security and prevention of cyber incidents
• training employees in secure data handling
• technical and organisational security measures

A secure digital infrastructure is crucial for trust – among customers, clients and society.

Artificial intelligence (AI) and responsible use

Kredinor uses artificial intelligence and automated solutions to support its operations, including to streamline processes and improve the quality of work. The use of AI is anchored in corporate governance and must always take place in a responsible, ethical and lawful manner.

AI solutions at Kredinor shall:

• be used in accordance with applicable regulations, including GDPR
• safeguard data privacy, information security and fair treatment
• function as decision support, with humans remaining the responsible decision-makers

We place great emphasis on ensuring that automation does not weaken dialogue, individual assessments or fundamental rights.

To ensure safe and correct use, employees receive training in data privacy, risk and the proper use of the technology. The use of AI is followed up through internal control and risk assessment processes, and is continuously evaluated in line with technological and regulatory developments.

The responsibility of the Board of Directors and management

The Board of Directors and management at Kredinor have overall responsibility for corporate governance and sustainability. ESG matters are integrated into strategy work, risk assessments and reporting, and are followed up through established governance processes. This ensures that sustainability, ethics and responsibility are not treated in isolation, but form a natural part of the company’s long-term development.

Our ambition

Kredinor’s ambition is to be a responsible, reliable and transparent player in the finance and debt collection market. Good corporate governance should ensure that we make the right decisions – even when it is demanding – and that we earn the trust we depend on to fulfil our role in society.