Building value on data, technology and NPL market scale
Kredyt Kapital is a fintech company and one of the leaders in the non-performing debt management market in Ukraine. We combine operational experience, advanced analytics, a full legal cycle and proprietary technology for effective acquisition, assessment and servicing of NPL portfolios.
We have been operating since 2006 as part of Rekapital Group. We manage portfolios with a total nominal value of over UAH 112 billion and have served over 4 million clients.
Market leader with an established position
For over 10 years, Kredyt Kapital has held a position as one of the most important players in the NPL market in Ukraine:
Proven operational model
Proprietary CRM, client scoring and segmentation, data-driven models, A/B testing of contact strategies, high automation, processing up to 60,000 contacts per day.
Strong 2024 financial results
Favourable environment for judicial enforcement
Full legal cycle: 90+ lawyers · e-court experience · knowledge of enforcement processes · ability to scale legal actions.
Significant margin advantage amid growing market maturity.
Ecosystem development: EwaCash
EwaCash is Rekapital Group's new digital consumer lending platform. It expands presence in consumer finance, develops scoring models and diversifies activities. For investors: exposure to the broader fintech ecosystem.
First-mover advantage in a growing market
The NPL market in Ukraine: UAH 393 billion in bank NPLs · portfolio prices growing from ~5% to ~8% (2022–2025). Opportunities for large transactions are emerging, including the prospect of PrivatBank portfolio sales of ~UAH 10 billion in 2026.
For Investors
Large and Growing Segment
The non-performing debt market in Ukraine remains one of the largest and most attractive financial segments in the region.
Most important for investors:
large scale · constant portfolio inflow · growing professionalisation · opportunity for above-average returns
Competitive Advantage
Technology + Law + Operations
Technology
proprietary CRM, scoring, segmentation, analytics, automation.
Law
full cycle, 90+ lawyers, e-court, enforcement.
Operations
scalable processes, operational centres, high case volumes.
Data
data-driven models, A/B testing, continuous optimisation of collection strategies.
ESG & Compliance
Responsible Operating Model
Ethical approach to clients
fair and responsible decisions, dialogue, transparency.
Stabilisation of the financial sector
effective NPL management contributes to cleaning up institutional balance sheets.
Support for market reforms
e-court, private bailiffs, industry initiatives, European standards.
Experienced management with a long-term perspective
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 financial markets across Central and Eastern Europe — a person who combines vision with the ability to rapidly bring ideas to life.
She began her career at AIG Credit SA, where over 8 years she rose from a Credit Department specialist to Head of Risk Management in the Research and Development Department. Over the following decade she built expertise at leading international debt management companies: PrimoCollect, CreditExpress, CCG and KRUK.
In parallel, she served as a consultant on scoring and collection processes for leading financial institutions including Privat Bank, Delta Bank, Provident, Santander and Enterprise Investors.
Since 2019, following an MBO, she has been the owner and CEO of the company. As President of the Association of Collection Companies of Ukraine, she actively participates in working groups at Ministries, the National Bank of Ukraine and the Deposit Guarantee Fund — shaping the legal framework of the entire industry.
Market Timing Favours Growth
The NPL market remains large and accessible.
Portfolio prices are rising alongside increasing market professionalisation.
Judicial enforcement is becoming an increasingly important source of margin.
The Group is developing proprietary fintech products (EwaCash).
Opportunities for transactions with the largest market institutions are emerging.
Let's talk about cooperation opportunities
If you would like more information about the business model, financial results or investment opportunities — get in touch.