About us
Transforming the credit scoring system.
How it all began
After working in the US for a number of years, Freddy returned to the UK. Having had no recent financial activity in the UK, he had a ‘thin’ credit file. This not only meant that he had limited credit options, but those that were available to him came with higher interest rates and restrictions.
After further research it became apparent that he was not alone and that many people in the UK face difficulties when trying to get access to affordable credit.
With a vision to remove that challenge from the market, Freddy co-founded Credit Kudos. Since then, the team at Credit Kudos have been on a mission to provide fair credit for all, harnessing the power of Open Banking.
Transforming credit scoring
Our mission is to transform the credit scoring system to provide fairer credit for all; helping people access responsible finance they can afford, when they need it.
Leadership
![Photo of Freddy Kelly]()
Freddy Kelly
CEO
![Photo of Kelly Read-Parish]()
Kelly Read-Parish
COO
![Photo of Angus Clacher]()
Angus Clacher
Head of Product
![Photo of David Fletcher]()
David Fletcher
Head of Commercial
![Photo of Amy Gudgeon]()
Amy Gudgeon
Finance Director
![Photo of Phoebe Allen]()
Phoebe Allen
Head of Marketing
![Photo of Rachel Fairhurst]()
Rachel Fairhurst
Head of Customer Success
![Photo of Adam Nicholls]()
Adam Nicholls
Head of Engineering
Awards
Winner
Best Credit Information Partner
Credit Strategy Lending Awards 2020
Winner
Best Technology Provider
Credit Strategy Credit Awards 2020
Winner
Credit Information Partner of the Year
Consumer Credit Awards 2020
Winner
Innovation of the Year
Consumer Credit Awards 2020
Winner
Best Machine Learning in Credit & Collections
Credit Connect Credit & Collections Technology Awards 2020
Winner
London's Top 50 Startups
Tempo 2020
Winner
Best Risk and Fraud Solution
Credit Excellence Awards CCR 2020
Winner
The Power List 20
Credit Connect 2020
Winner
Affordable Credit Challenge
Nesta Challenges 2020
Winner
The Fintech50 2020
FintechCity 2020
Winner
Top 100 FinTech Disruptors for 2020
BusinessCloud 2020
Winner
Fintech Startups to Watch
Computerworld 2020
Our partners and supporters
Latest from the blog
![]()
The Woolard Review and the Future of BNPL
![]()
Credit Kudos launches Open Banking credit score to allow lenders to increase acceptances and reduce defaults
![]()
Ophelos deploys Open Banking to transform the collections process for individuals struggling with debt
We would like to collect data from your device while you use this website. We do this using cookies. You can find out more in our Cookie Policy. We use cookies to provide you with a good experience when you use our website, and for us to continue to improve that experience. Please select 'Accept all' to consent to us collecting your data in this way.