About us
We use technology to support debtors and our partners
We are bringing debt management into the 21st century - combining technology with a human approach. Kredyt Kapital is part of Rekapital Group. Since 2006 we have helped over 4 million people find a path to resolving their debt.
Our mission
We restore financial
balance
Our goal is to return capital to creditors - responsibly and effectively. We help debtors find a real path to repayment and a return to financial stability.
We treat every case individually. We combine technology, data and a human approach to tailor solutions to each specific situation and provide support at every stage.
The result? Over UAH 3.5 billion recovered for creditors and millions of people who could make a fresh start.
Values
Innovation
Own CRM, behavioural scoring, A/B testing of every strategy, 60,000+ contacts per day, e-court integration. Over 20 years we have evolved from traditional collections to a modern fintech company.
Respect
Every debtor is a person with their own story. We were the first in Ukraine to introduce a European ethical standard: restructuring instead of repression, honest communication instead of intimidation. Hence the highest collection rates in the market.
Transparency
The NBU supervises our activities. For partners: full real-time portfolio analytics. For debtors: clear case status, transparent terms, payment calculator. No hidden fees.
Shaping the market
Kredyt Kapital is a company with Polish capital operating in Ukraine. Over 20 years we have actively built the infrastructure of the debt management market:
- Private enforcement agents - among the first to support and work with private enforcement agents, improving execution of court orders.
- E-court - pioneering integration for mass filing of claims, speeding up collections and reducing costs.
- Credit registries - participation in developing centralised credit data exchange.
- ProZorro.Sales - active purchase of NPL portfolios through electronic auctions (including Delta Bank portfolios).
- Association participation - conferences, round tables, legislative initiatives.
We are part of Rekapital Group
Rekapital Group is an international financial group combining companies in the areas of debt management, lending and fintech.
Kredyt Kapital serves as the Ukrainian operational centre and is one of the leaders of the NPL market in Ukraine. We provide a full cycle of services - from analytics and portfolio valuation to pre-litigation and litigation collection and enforcement proceedings.
The group also includes: EwaCash - a digital consumer lending platform - and PrimoKapital - a brand specialising in debt portfolio servicing.
Our team - with an average tenure of 11 years - is one of the most stable in the industry.
Wisdom is knowing what to do with what you know.
Ewa Zakowicz
CEO, Rekapital Group
Ewa Zakowicz is a strategist with 19 years of experience in the financial markets of Central and Eastern Europe - a person who combines vision with the ability to quickly put ideas into practice.
She began her career at AIG Credit SA, where over 8 years she rose from specialist in the Credit Department to Head of Risk Management in the Research and Development Department. She then spent over a decade building her expertise at leading international companies in the field of debt management: PrimoCollect, CreditExpress, CCG and KRUK.
In parallel, she served as a consultant on scoring and recovery processes for leading financial institutions, including Privat Bank, Delta Bank, Provident, Santander and Enterprise Investors.
Since 2019, following a management buyout (MBO), she has been the owner and CEO of the company. As President of the Association of Collection Companies in Ukraine, she actively participates in working groups at Ministries, the National Bank of Ukraine and the Deposit Guarantee Fund - shaping the legal framework for the entire industry.