Karppinen joined the Finnish collection company Contant OY in 1986. He has held various positions and was appointed CEO of the company in 1993. As Executive Vice President for Payment Nordic in Lindorff, he is responsible for the Payment activities in Finland, Russia and the Baltic countries. Karppinen holds a M.Sc. (Law) degree from the University of Turku (1987) and a Master of Science (Economics) degree from the Turku School of Economics (1990). He has been a member of the board of the Finnish Debt Collection Association since 1993.
