We want to contribute to a sustainable society.

Hemma was founded on the idea of ​​creating financial incentives for households to make big, impactful investments in climate-smart living. Although new energy-efficient buildings are being built, most of the buildings we will be living in by 2050 are already here. Therefore, we must accelerate the conversion of existing homes in order for us to meet our climate targets. At present, there is no mortgage that drives green conversion. We want to change that. Through our green mortgage, we want to ensure that there are clear economic incentives for households to invest in energy efficiency and renewable energy.

Team

A strong team with background in finance and tech.

Management
Board
CEO AND FOUNDER
Therese Ruth
Therese Ruth is Founder and CEO of Hemma. Therese has a background in finance and experience from a number of major Swedish banks. She has an extensive knowledge in the space of consumer lending. Prior to Hemma, she was Head of Credit at Skandiabanken, Partner at Financial Compliance Group (FCG), Senior Credit Strategist at Svenska Handelsbanken and has worked with Financial Restructuring and Recovery at Swedbank. Therese holds a MSc in Finance from Gothenburg University.
CPO
Carl Westman
Carl Westman is Chief Product Officer at Hemma. Carl has a background in finance and tech with extensive experience from building new products & services and companies from the ground up. He is co-founder of Kivra where he has also been CPO and CFO. Prior to that, he was Lead Analyst at GE Capital and product owner at Klarna. Carl holds a BSc in Finance from Linköping University.
FUND MANAGER
Joel Strand
Joel Strand is acting CEO of Hemma's fund manager, Aeda Asset Management. Joel has a background in finance and a solid knowledge of global capital markets. Prior to Hemma, he was at Swedbank where he had several different roles in Treasury and Risk. Joel holds an MSc. in Industrial Engineering from The Institute of Technology at Linköping University and a BSc in economics from Linköping University.
COO | CMO
Martin Ekenbäck
Martin Ekenbäck is COO and CMO at Hemma. Martin has a background in management consulting and from various key roles within sales & business development at scale-up companies. Prior to Hemma, he was Business Development Director at Tink, Partner & Commercial Director at Nepa and Associate at McKinsey & Company. Martin holds an MSc in Industrial Engineering from Chalmers and a BSc in Economics from Gothenburg University.
CTO
Mattias Karlsson
Mattias Karlsson is Chief Technology Officer at Hemma. Mattias has a background in tech and solid experience of leading software development and product teams. Prior to Hemma, he was Head of Mobile and Data products at 3, Business Manager at Sony Ericsson as well as Vice President at The Astonishing Tribe (TAT). Mattias holds a MSc in Computer Science from Lund University of Technology.

CHAIRMAN
Peter Sjunnesson
Peter Sjunnesson is Chairman of the Board of Hemma i Sverige Holding AB and Hemma i Sverige AB. Peter is a private investor with extensive experience of board work in a number of financial institutions. He is also currently Chairman of the board of Alektum and Billogram. Peter is previous Chairman of the Board at Klarna, CEO at Intrum Justitia and Lindorff, and Board Member of Qliro.
BOARD MEMBER
Ludvig Linge
Ludvig Linge is Board Member of Hemma i Sverige Holding AB and Hemma i Sverige AB. Ludvig is a private investor with extensive experience of board work in a variety of tech companies. He is currently also board member of Kivra, Elk, Propel Capital, Pacemaker and Trail. Ludvig is Co-founder and former CEO of The Astonishing Tribe (TAT), which was later acquired by Blackberry.
BOARD MEMBER
Linda Samlin Höglund
Linda Samlin Höglund is Board Member of Hemma i Sverige Holding AB. Linda is CFO and General Partner at Luminar Ventures and has experience from several key positions in tech and finance companies. She is former CFO at Grab, CFO at Klarna, CFO at Electronic Arts, and CFO and Vice President at Dice.

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BOARD MEMBER
Eva-Lotta Berg Ljungström
Eva-Lotta Berg Ljungström is Board Member of Hemma i Sverige AB. Eva-Lotta is a professional advisor and board member with extensive experience from a number of finance and tech companies. She is also currently on the boards of Vässla and Waya Finance & Technology. Eva-Lotta is former CEO and Head of Financial Service (interim) at Qliro and CEO & General Manager at GE Capital Nordics.
CHAIRMAN
Anders Johnsson
Anders Johnsson is Chairman of the Board of Aeda Asset Management AB. Anders is a board professional with long experience in banking and finance. He also currently serves as Chairman of the Board of Carnegie Investment Bank and SealFX AB. Anders has worked at SEB for many years,most recently as Head of Life & Wealth and as a member of SEB's Group Management.
BOARD MEMBER
Carl-Richard Häggman
Carl-Richard Häggman is Board Member of Aeda Asset Management AB. Carl-Richard is the CFO & COO of Stravito and has extensive experience from the fintech space. He is former Chief Risk Officer at iZettle, Head of Fraud - New Markets at Klarna, and Head of Risk & Credit at Klarna.
BOARD MEMBER
Johan Wigh
Johan Wigh is Board Member of Aeda Asset Management AB. Johan is a Partner of law firm Törngren Magnell and has extensive experience within banking and finance. He is also currently on the board of SEB Investment Management. Johan has worked at East Capital at a number of key positions. Most recently as CEO and prior to that also as COO and Legal Counsel.
BOARD MEMBER
Ante Nilsson
Ante Nilsson is a Board Member of Aeda Asset Management AB. Ante is a professional advisor and board member with a long experience in banking and finance. He is the Co-founder and former CEO of Ambrosia Asset Management and Co-founder, former CEO of Tanglin Asset Management, and former CEO of JP Bank.
BOARD MEMBER
Olof Sundblad
Olof Sundblad is Board Member of Aeda Asset Management AB. Olof is Head of Treasury and ALM at Luminor Group and has a solid knowledge of global capital markets. He is the Co-founder and former CEO of Fastighetshypotek i Sverige AB, Head of ALM at Swedbank, and IBD Associate at Credit Suisse.

The Hemma Group

Hemma i Sverige AB is a mortgage institution authorized to issue mortgages in accordance with the Mortgage Business Act (2016:1024) and is under the supervision of the Swedish Financial Supervisory Authority.
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Aeda Asset Management AB is an alternative investment fund manager in accordance with The Alternative Investment Fund Managers Act (2013:561 – LAIF) and is under the supervision of the Swedish Financial Supervisory Authority.
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Hemma i Sverige Holding AB (org. 559158-7513) is the parent company and owns 100% of the stocks of Hemma i Sverige AB (org. 559151-5944) and Aeda Asset Management AB (org. 559172-5220). Aeda Asset Management AB owns 100% of the stock of Hemma i Sverige Fond 1 AB (org. 559193-8807).