A credit card company, built by industry veterans.
Institutional credit discipline. Deep card-industry expertise. Over 300 years of collective experience — now working for you.
- Total Receivables Acquired
- $17.0B
- IRR on Fully Realized Transactions
- 45%+
- In Documented Loss Savings
- $53MM
- Expected Capital Creation for Investors
- $2.5B
Who We Are
A team built at the intersection of credit expertise and institutional capital.
About Fidem FinancialFidem Financial is a team of industry experts with over 300 years of collective experience in all aspects of credit card and consumer lending — spanning product design, underwriting, portfolio management, and capital markets.
Founded in 2018, Fidem was built to address a structural shift: as post-crisis capital requirements made bank-owned credit card portfolios increasingly inefficient, a new kind of manager was needed — one that could combine bank-grade credit discipline with capital-markets agility.
How We Do It
Three integrated roles. One disciplined platform.
Asset Manager
for Existing Lending Assets
We manage acquired credit card receivables with institutional rigor — optimizing collections, managing loss curves, and delivering predictable returns to our investors.
Marketing Manager
for Acquiring New Lending Assets
Through co-brand partnerships and direct origination, we deploy capital into new credit card relationships with carefully underwritten, loyalty-driven acquisition strategies.
Capital Markets Partner
for Bank and Non-Bank Sellers
We provide efficient, experienced counterparties for credit card portfolio transactions — offering speed, certainty, and $100B+ in collective transaction experience.
Our Services