Gustav is Zmarta Group’s CEO and joined the company in February 2019. Gustav has +10 years of experience from the telecom industry in roles as CCO & Commercial Director, and has worked for Tele2, Telia and Com Hem in Sweden and Denmark. Gustav holds a M.Sc. in Industrial Engineering and Management from Linköping University.



Erik joined the company in May 2018 and was appointed as Group CFO in January 2019. Erik has a background in Corporate Finance from PwC with extensive experience from advising both private equity firms and corporates. He has also worked as Interim CFO for a listed technology company. Erik holds a M.Sc. in Business and Economics from the Stockholm School of Economics.


CCO Consumer Loans, Sweden and Norway

Johan is Zmarta Group’s CCO (Chief Commercial Officer) for Consumer Loans for Sweden and Norway. He started his career in the company 2017 as Head of Partner Relations . Johan has a background from insurance business and has previously worked at Solid Försäkringar (part of Resurs Group) as Nordic Sales Manager and prior to that he has vast experience from various sales and product manager roles within retail business. Johan holds a Bachelor’s degree in Business Administration.


MD Finland

Tuomas joined the company in March 2016. He was previously Finnish Country Manager for international bank Bigbank AS and has wide experience in banking and consumer finance from various senior and director positions in e.g. Ferratum Group, Santander and GE Money. Tuomas holds a Bachelor’s degree in Business Administration.


CCO Insurance and Electricity, Sweden and Norway

Tomas is Zmarta Group’s CCO (Chief Commercial Officer) for insurance and electricity for Sweden and Norway. Previous work experience includes CEO for Insplanet AB, CFO at Opus Group, Corporate Finance at Nordea Bank and Leveraged Finance at the Royal Bank of Scotland. Tomas holds a Bachelor’s degree from the London School of Economics and Political Science (LSE).



Elisabeth is the CHRO of Zmarta Group and joined the company in May, 2019. She was most recently the HR Director of the Com Hem Group. Prior to Com Hem she was global Senior Vice President of HR at Swedish Match AB and has also held a position as Head of HR in Modern Times Group (Kinnevik) for a decade. Her background also includes various positions as a business controller. Elisabeth studied business administration at Uppsala University.



Maria is the group CTO and joined the company in 2018, moving on from the role as CTO at Prisjakt. She has previously worked as CEO of a harware company, and has experience from varius key roles at IKEA. Maria has a Bachelor’s degree in Informatics from the University of Lund. Read an interview with Maria here.



Tobias Winberg is the CBDO (Chief of Business Development Officer) of Zmarta Group. Tobias joined the company in September 2019 and brings extensive experience, both from national and international arenas, in business and product development. His most recent role was Head of Consumer Business at Telia Finance AB, and prior to that, he has held several roles within the field, e.g. as Head of New Business at Telia Consumer, and at other Telecom companies as well as different senior roles at Deloitte. Tobias comes with a B.Sc. in Business Management from the University of Louisiana at Lafayette.



Niklas is the CMO of Zmarta Group and joined the company in January 2020. He was most recently Nordic marketing director at the gaming company Leo Vegas and has also extensive experience within the Schibsted Group as commercial director of and marketing manager at SCM Ventures. Niklas studied business administration at the University of Gothenburg.