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Freddy Kelly

Credit Kudos
Freddy is founder and CEO of Credit Kudos, a credit reference agency using Machine Learning to build new credit risk models. 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.

Credit Kudos helps lenders reach more customers by utilising PSD2 data in the credit decision process. Instead of relying on traditional modelling Credit Kudos exposes a variety of new risk indicators by precisely measuring financial behaviour prior to an application. Using this approach has helped Europe's largest lenders to achieve greater risk accuracy and underwrite previously overlooked customers.

Freddy has a background in Software Engineering, studying Computer Science and Artificial Intelligence prior to founding the company.
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