Our strategy

Hoist Finance invests in portfolios of non-performing loans to consumers and small and medium-sized enterprises (SMEs), mainly unsecured and secured asset classes. While the investment management processes are largely centralised and carried out on Group level, the loan management business needs to be carefully tailored to local conditions and is carried out locally in each of our markets. In loan management our core business is to collect on our own portfolios and not conduct collections on third parties' portfolios. Collections are managed in a mix of in-house and outsourced operations, of which the majority in-house.

Investment strategy
- Deploy capital where we can achieve the highest risk-adjusted return.
- Combine bilateral bank partnerships and auction-based acquisitions with a balance between smaller and larger deals.
- Balanced geographical and asset class exposure.
- Actively use data to adjust collection strategies, to repackage loans into new portfolios to be outsourced, or when right to do so, consider sale.
Funding strategy
- An optimised funding structure, designed to match the expected development of the balance sheet in a long-term viable way while also being cost efficient.
- Remain a credit market company regulated by the Swedish Financial Supervisory Authority.
Collection strategy
- Offer excellent customer experience by optimal use of different communication and payment channels.
- Benchmark and define “best-in-class” collection models.
- Combine in-house and outsourced collection.
- Optimise cost-to-collect by using intelligent data algorithms and automation.
- Secure flexible, efficient and scalable platforms to have the ability to scale up.
- Having safe, secure and high performing technology platforms.

Investment strategy

Funding strategy

Collection strategy