2026 Shortlist
Highlighting the industry’s most outstanding professionals and organisations. These nominees have demonstrated excellence, innovation, and leadership, setting themselves apart as top contenders in the credit and financial services sector.
Congratulations to all those shortlisted for the Credit Awards! These individuals and organisations have earned their place as finalists, showcasing exceptional talent, innovation, and leadership.
Explore the full shortlist of nominees driving the future of the credit industry.
Alternative Lender of the Year - Over £5,000
118 118 Money
Ayan Capital
Bamboo
Nucleus Commercial Finance
Propensio Finance
Alternative Lender of the Year - Under £5,000
Sponsored by Lending Metrics
Creditspring
Fast Loan UK
Gain Credit
Loans 2 Go
Moneyboat.co.uk
Moneyline
Propel Holdings (UK)
Salad
Snap Finance
Best Company to Work For - Creditor
Close Brothers Motor Finance
Propel Holdings (UK)
Vanquis
Virgin Media O2
Best Company to Work For - Service Provider
Aberdein Considine
Ardent Credit Services
Cabot Financial
Equifax
Flagright
Sopra Steria Financial Services
StepChange Debt Charity
TransUnion
Best Consumer Credit Product
BNP Paribas Personal Finance
Creditspring
Oakbrook One and ReFi
Best Marketing Campaign of the Year- Creditor
Close Brothers Motor Finance
Foundation
Snap Finance
Updraft
Vanquis
Best Marketing Campaign of the Year - Service provider
Equifax
Experian
The Digital DRA
Best Outsourcing & Partnership Initiative
BNP Paribas Personal Finance and Concentrix
E.ON Next - Residential Debt Team and Sigma Connected
Equifax and CienDos
Experian and HSBC UK
Inicio AI and BPO Collections
Jaywing and Virgin Money
Lantern Group and DebtStream
PayPlan and Santander
Pepper Advantage and Pepper Money
Sopra Steria Financial Services and QUALCO UK
Best Technology Provider - Applied AI
Aryza
Incio AI
Snorkl
Best Technology Provider - Data, analytics & infrastructure
Experian
Hypercore
Omniscient
SAS Software
Zoot Enterprises
Best Technology Provider - Partnership
C&R Software and Citizens Bank
DebtStream and Advantis Credit
LendingMetrics and LHV Bank
Best Use of Open Banking
Acquired.com and Debtstream
D•One from The ClearScore Group
Equifax
Experian and Leeds Building Society
Snap Finance
Best Use of Technology - Collections & Recoveries
Advantage Finance
Equivo
MoneyWellness
StepChange Debt Charity - Stepping Forward Our Service Team
Best Use of Technology - Data Analytics
Equifax
Sikoia
NewDay
Best Use of Technology - End-to-end credit solutions
Sponsored by Zoot Enterprises
Clearer from ClearScore
Cynergy Bank
Evolution Funding
Experian
Habib Bank AG Zurich
Hypercore
Novuna Vehicle Solutions
Oakbrook One and ReFi
Best Use of Technology - Fraud Prevention
Plata
TransUnion
Virgin Media O2
Best Use of Technology - Partnership
C&R Software and Santander UK
Capital on Tap and Aryza
DebtStream and Payment Assist
Experian and Plata
Landlord Tap and IDenteq
LendingMetrics and Capital Credit Union
Car Finance Provider of the Year
Sponsored by Equifax
Advantage Finance
Carmoola
Close Brothers Motor Finance
MotoNovo Finance
Company Award for Climate Risk Action
Drive Green
Novuna Vehicle Solutions
Collections & Recoveries Service Provider of the Year
ARC Europe
Engage Credit - Customer Support Team
Equivo
TDX, an Equifax company
The Digital DRA
Credit Data & Analytics Provider of the Year
Company Watch
D•One from The ClearScore Group
Equifax
Experian
TransUnion
VantageScore
Credit Risk Team of the Year
Sponsored by TransUnion
Advantage Finance
Amplifi Capital - Credit Risk Team
BNP Paribas Personal Finance
Habib Bank AG Zurich - Credit Approval Unit
E.ON Next - Credit Risk Team (Residential and SME)
Novuna Consumer Finance - Risk Team
Novuna Vehicle Solutions - SME Credit Risk Team
Lloyds Banking Group - Credit Platform Team
Virgin Media O2
Diversity & Inclusion Trailblazer
Equifax
TransUnion
Vanquis
Excellence in Corporate Social Responsibility
Equivo
Experian and National Literacy Trust
Furness Building Society
Virgin Media O2
Excellence in Credit Risk Modelling
Advantage Finance
Amplifi Capital - Credit Risk Team
BNP Paribas Personal Finance
Propel Finance - Credit Risk Modelling Team
Excellence in Debt Sale & Purchase Partnerships
1st Locate (UK)
Cabot Financial
Excellence in Fraud Prevention
Experian and Resistant AI
Huntswood - Fraud Prevention Team
Novuna Consumer Finance - Risk Team
Plata
TransUnion
Virgin Media O2
Mortgage Lender of the Year
Foundation
Gen H
The Cambridge Building Society
Outstanding Conduct in Collections
Sponsored by C&R Software
Cabot Financial
Close Brothers Motor Finance
Dukes Bailiffs
Equivo
Marston Holdings - Outbound Recovery Team
Pepper Advantage - Arrears and Litigation Team
Plata
TDX, an Equifax Company
Rising Star of the Year - Creditor
Chloe Green, Advantage finance
Matthew Jordan, Amplifi Capital
Kiran Kaur, NewDay
Micha Panagiotidi, Updraft
Amandeep Uppal, Virgin Media O2
Rising Star of the Year - Service Provider
Sarah Clough, Aberdein Considine
Chloe Imrie, Aberdein Considine
Katie Macdonald, Aberdein Considine
Jordan McCrum, Dukes Bailiffs
Jess McGlynn, Marston Holdings
Kirstie Pendry, Equifax
Danielle Rumney, Equivo
SME Lender of the Year - Over £1 million
Cynergy Bank
Habib Bank AG Zurich
Novuna Business Cash Flow
Trevally Capital
SME Lender of the Year - Under £1 million
365 Finance
Capital on Tap
Elect Capital
Lovey
mcl finance
Nucleus Commercial Finance
Utilities and Telecoms Team of the Year
E.ON Next - SME Debt Taskforce
Virgin Media O2 - FIRE team
Vulnerable Customer Strategy of the Year - Creditor
Sponsored by C&R Software
Cashfloat
E.ON Next - Affordability and Vulnerability Team
Octopus Energy - Credit Team
Vulnerable Customer Strategy of the Year - Partnership
Capital on Tap and Aryza
Virgin Money and Jaywing
Vulnerable Customer Strategy of the Year - Service Provider
Sponsored by C&R Software
Money Matters
Data on Demand
Debt Free Advice
Equivo
Engage Credit - Customer Care Team
Hope 4U
Huntswood, a ResultsCX company
PayPlan
Perch Group - Verify
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