Credit Kudos

We're building a fairer, more accurate credit score, powered by financial behaviour. We want to totally reinvent the lending model.

Founded 2015
16-50 employees
  • Information Systems
  • Analytics & Business Information
  • Headquarters address
    WeWork, 1 Poultry, London, EC2R 8EJ

    Credit, in whatever shape or form, makes the world go round. Whether it's buying a phone, a car or a house, your creditworthiness can be a help or a hindrance you don't realise you have until it's too late.

    The problem is that credit scoring methods are based on data points that are becoming increasingly irrelevant: whether or not you're on the electoral roll, how long you've lived at your address and how often you apply for credit. These methods aren't just unhelpful; they actively punish borrowers at the lower end of the income spectrum, meaning consumers have to resort to high-cost credit that doesn't improve their credit score.

    We believe the only fair way to assess your financial health is to actually look at financial behaviour, and that's what we're doing. We let customers harness their Open Banking data from their online bank accounts and create models of creditworthiness based on that. It's like a passport for financial services.

    We're building a world where applying for any kind of financial service is as easy and familiar as logging in with Facebook.

    Tech stack

    Go, Ruby on Rails, Python, React, TypeScript, Terraform, AWS, Docker, Athena, Machine Learning, F#, gRPC, Microservices, PostgreSQL, Redis


    Compensation and retirement

    Stock Options
    Pension plan

    Vacation and time off

    Paid time off
    Paid holidays
    Flexible working hours
    Work from home flexibility

    Personal development

    Internship program

    Values and quality of life

    Accessible via public transportation
    Bike parking
    Snacks and beverages
    Company activities
    Games and recreation
    Pet-friendly workplace
    Credit Kudos - We have a LOT of plants
    Credit Kudos - Company Photo