Who we are

Creditinfo Group was founded with a simple but powerful mission: to enable smarter financial decisions by making credit information accessible, reliable, and impactful. What began as a small Icelandic company has grown into a truly global business, serving markets across Europe, Africa, Asia, the Middle East, and the Caribbean.

From the start, we believed that access to credit unlocks opportunity — for individuals, for businesses, and for entire economies. By building credit bureaus, developing scoring solutions, and delivering advanced decisioning tools, we help financial institutions, regulators, and consumers navigate risk with confidence.

Over the years, we’ve learned that every market faces its own challenges — from limited data availability to evolving regulatory landscapes. That is why we work closely with local partners and institutions to tailor solutions that meet real needs on the ground. Whether establishing a new credit bureau, strengthening an existing ecosystem, or introducing advanced analytics, our focus is always the same: creating meaningful, sustainable impact that helps credit markets function more efficiently and fairly.

Today, Creditinfo operates in more than 40 countries, continuously innovating to provide data-driven solutions that foster growth and stability. Guided by our values of trust, integrity, and innovation, we remain committed to empowering economies and transforming lives through the power of credit information.

Our journey is far from over — and we are proud to continue shaping the future of financial ecosystems worldwide.

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Our history

Founded in Iceland

Creditinfo began as Lánstraust ehf, founded by Reynir Grétarsson and co-founders, with the vision to build a modern credit bureau.

First International Expansion

Creditinfo opens its first international subsidiary in Malta

Creditinfo Group

The mother company changed its name from Lánstraust international to Creditinfo Group, signaling international ambitions.

Expansion Continues

Creditinfo starts IBCH in Ukraine in 2005 after starting operations in Lithuania the year before

Expansion in Africa

Creditinfo created the CIASA credit registry in Sudan under the control of the Central Bank of Sudan

First Credit Bureau in Jamaica

Launched the country’s first licensed credit bureau, marking entry into the Caribbean market.

License in Tanzania

Received full operational license from the Bank of Tanzania, expanding into East Africa

Acquisitions in Morocco and Estonia

Acquired Experian’s bureau in Morocco and Estonia’s Krediidiinfo, strengthening presence in Africa and the Baltics.

Partnership in Indonesia

Creditinfo Group signed a long-term strategic partnership agreement with PT PEFINDO Biro Kredit (PBK) in Indonesia.

Majority Stake Acquired by Levine Leichtman

The private equity firm announced its acquisition in a majority stake in Creditinfo Group in partnership with its founder and management team.

This laid the foundation for a company that would grow into a global credit bureau network.
Drawing from the experience of launching and scaling a trusted credit information business in Iceland.
The new name reflected the company’s global vision and expansion plans.
Extending Creditinfo’s footprint across the Baltic region and Eastern Europe.
Delivering credit registry infrastructure in partnership with public authorities.
Creditinfo became a pioneer in financial infrastructure development in the Caribbean.
This strengthened Creditinfo’s presence in Africa, opening new opportunities in emerging markets.
These strategic moves cemented Creditinfo’s role as a global consolidator in the credit bureau space.
Expanding into Southeast Asia via a trusted local partner.
Providing long-term capital and strategic support for continued expansion.
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Global Leadership Team

Joining Creditinfo as Global CEO in January 2024, Satrajit brings over 20 years of experience in banking and credit bureaus. Previously CEO of TransUnion Europe, he leads Creditinfo’s global expansion, with a strong focus on promoting financial inclusion across both developed and emerging markets. 

Bertrand de Leusse is the CFO and Deputy CEO of Creditinfo Group, where he leads its global growth and financial strategy. Over his career, spanning more than 25 years, he’s held senior leadership roles at CGI, Orange Business Services, and IBM and is recognised for guiding organisations through growth, transformation, and international expansion. 

With over 25 years of experience in finance and credit bureaus, John leads strategy and execution behind Creditinfo's solution and products for all 30 of its Credit Bureaus. John has over three decades of experience in leading top performing teams, delivering pioneering solutions, and galvanizing high-value market leading companies within the global financial community. As a reputable industry expert, John draws on his extensive sector knowledge and experience to leverage Creditinfo's technology and data to push innovation forward and ensure it meets customer expectations and needs.

Elba is the Head of Legal and Compliance for the Creditinfo Group and part of the Group Executive team. Elba has international legal training and diverse work experience in the legal area from LATAM to the EU. She has been with Creditinfo for close to 5 years, gaining experience in the credit referencing sector.

Emma has 15+ years in progressive HR management and  drives the People agenda globally. She previously held a role with TransUnion where she led the European HR Operations and most recently Director, HR Business Partnering. She also worked in financial services in the UK.

Hrefna Sigfinnsdóttir is the CEO of Creditinfo Iceland and serves on the management board of Creditinfo Group. Hrefna holds a business administration degree from the University of Iceland and is certified in securities trading. She worked at Landsbankinn from 2010, and before that as a fund manager at Arev from 2007. From 1998–2006 she served as director of the listing division and as an expert at the Iceland Stock Exchange. She has also been director of personal services at Fjárvangur and worked in the Central Bank of Iceland’s Monetary Policy Department. Hrefna has sat on multiple boards in Iceland and abroad and is a founding member of IcelandSIF, a forum for responsible and sustainable investing.

Burak has over 23 years of credit risk management experience, working with international clients in the US, Europe, Africa and the Middle East. He is passionate about discussing the ever changing risk challenges organizations are facing and finding solutions in a collaborative way such as digitalization and collections.

Elari is a seasoned IT and corporate leader with deep expertise in credit information, debt collection, and large-scale technology management across the Baltics and Continental Europe. He has held senior roles at Creditinfo including Regional Director for Continental Europe and Managing Director in Estonia and Lithuania, following more than a decade at Intrum leading IT, operations, and cross-border transformation. Known for building high-performing teams and driving innovation, he has a strong record of delivering complex projects, strengthening organisational effectiveness, and succeeding in multinational environments.

Jakub previously worked at Übank, the leading digital bank in Vietnam, where as Chief Operating Officer he helped to onboard new customers quickly and securely through a fully digitised e-KYC onboarding process. He has also previously worked at APS Vietnam where he formalised and executed critical business strategy.

Charles is a financial services executive with over 20 years’ experience driving transformational change across regions, focused on sales, distribution, and new business models. He has led major organisational improvements and delivered successful first-to-market strategies. His leadership roles at Marsh Africa, the National Bank of Kuwait, and Barclays Bank produced sustained growth, large-scale turnarounds, and multibillion-dollar annual revenues.

Global Expertise
Local Insight

Operating in over 30 countries across four continents, Creditinfo is a trusted partner in driving financial inclusion, enhancing credit access, and supporting economic growth.

Our Trusted
Partnerships

At Creditinfo, we believe collaboration drives innovation
Together with our partners, we empower businesses, financial institutions, and individuals to build stronger, more inclusive economies.
CheckYourTraders (Malta)
Tailored Debt Recovery Solutions

In June 2024, Creditinfo Malta formed an exclusive partnership with CheckYourTraders to offer solutions aimed at helping tradespeople manage debt recovery and cash flow challenges effectively.

The program includes a free job book for transaction documentation plus access to a dedicated debt collection support team, enabling tradespeople to focus on their core business operations

Nova Credit
Enabling Cross-Border Credit Access for Ukrainians

In January 2024, Nova Credit and Creditinfo launched a cross-border credit partnership using Nova Credit’s Credit Passport® solution.

This collaboration allows Ukrainian newcomers to access their foreign credit history when applying for financial products in new countries, bridging the data gap and easing access to essential services in the U.S., U.K., Canada, UAE, and Singapore.

VisionFund International
Analytics and Automation for Microfinance

Starting around 2023, Creditinfo entered into a multi-market collaboration with VisionFund International to deploy credit risk analytics and automation tools across its global microfinance network.

The initiative initially targets six markets with plans for expansion, aiming to improve lending efficiency, credit risk assessment, and support financial inclusion for low-income populations

WINR Data
Strengthening Identity Verification

In April 2024, Creditinfo began working with Australia’s WINR Data to bolster its capabilities in fraud prevention and identity verification across its global bureaus.

WINR’s privacy-compliant, deterministic identity datasets are provided via a single API, enhancing trust and accuracy for Creditinfo’s clients in over 30 countries

Lucinity
Integrating KYC & PEP Screening into AI Compliance Workflows

In May 2025, Creditinfo partnered with Lucinity to embed localized Know Your Customer (KYC) data—including PEP screening, watchlist monitoring, and UBO insights—directly into Lucinity’s AI-driven compliance platform 


This integration empowers financial institutions to automate onboarding checks, periodic refreshes, and real-time counterparty lookups through a unified interface, minimizing context-switching and enhancing risk detection with regionally accurate intelligence

Open positions

Apply now
We believe great work comes from people who are curious, collaborative, and driven by purpose. Our team brings together experts from around the world who share a commitment to strengthening financial ecosystems and supporting responsible growth. If you’re looking for a place where your ideas are valued and your work creates real impact, we’d love to have you with us as we continue to grow in new markets.