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Freddy Kelly

CEO of Credit Kudos

Freddy Kelly is the founder and CEO of Credit Kudos, a challenger credit bureau that uses financial behaviour to measure creditworthiness, harnessing Open Banking. Credit Kudos aggregates and interprets transaction data for use by lenders, brokers, and financial institutions: going beyond traditional scoring, to provide a comprehensive view of a borrower’s creditworthiness.

Freddy’s background is in Software Engineering, having studied Computer Science and Artificial Intelligence prior to founding the company. Freddy started his career in Silicon Valley, as the first engineer at Bitnami (YC W13) and later A16z-backed TXN, developing their transaction analytics platform. With extensive experience in developing high security performant web applications for the likes of Google, Microsoft and Amazon, Freddy has an intimate understanding of what is required to develop software at scale, safely and securely processing sensitive customer information.

He has also provided regular input on industry discussion topics such as Financial Inclusion, Open Banking/PSD2 and their impact on consumer lending.

Freddy is passionate about the applications of new data and algorithms in order to promote better outcomes for individuals, particularly those previously excluded from mainstream financial services.

Having worked in start-ups all his life, Freddy is also fascinated by the impact that small, agile teams can have, especially when it comes to disrupting slow moving incumbents. Since co-founding Credit Kudos, Freddy has been the driving force behind its core accomplishments; achieving full FCA authorisation as the first of its kind Credit Reference Agency, and most recently winning ‘Best New Innovation in Consumer Lending’ by FDATA Global 2018, y winning ‘Best New Innovation in Consumer Lending’ by FDATA Global 2018, ‘Innovation of the Year’ at the Consumer Credit Awards 2018, and ‘FinTech Innovator of the Year’ by Techworld – Techies 2019.

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