
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.
Global Leadership Team
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.
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.
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














