2025 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
Sponsored by Jaywing
118 118 Money
Abound
Creditspring
Fleximize
Lending Stream
Lendology
Loans 2 Go
Love Finance
Payl8r
Plata
QuidMarket
Salad Money
Snap Finance
Best Company to Work For - Creditor
365 finance
Close Brothers Motor Finance
MotoNovo Finance
Novuna Vehicle Solutions
Best Company to Work For - Service Provider
Cabot Financial
Chaser
StepChange Debt Charity
Best Consumer Credit Product
Abound
Creditspring
Drafty Flex
Payl8r
Snap Finance
Updraft
V12 Retail Finance
Zilch
Best Marketing Campaign of the Year
Capital One UK
Chaser
Close Brothers Motor Finance
Evlo
Best Open Banking Platform
D.One, from The ClearScore Group
Equifax
Best Outsourcing & Partnership Initiative
BPO Collections & Inicio AI
IE Hub and Gas Distribution Network
Paylink and PayPlan
Zinc Group, DebtStream and Acquired.com
Best Technology Provider
C&R Software
Data On Demand
DebtStream
Experian and Novuna
Hypercore
IDenteq & E.On Next
IE Hub
Inicio AI
SAS
Webio
Best Use of Open Banking
Abound
Acquired.com
Aryza
D.One, from The ClearScore Group
Equifax
Moneyline
Best Use of Technology - Creditor
Sponsored by Advantis Credit
Abound
Fleximize
HSBC UK - WPB Risk - Current Accounts Portfolio Management
Novuna Business Cash Flow
Best Use of Technology - Partnership
Afforda & Gain Credit
BPO Collections & Inicio AI
CLSQ & Shawbrook Bank
Data On Demand & COEO
Debt Free Advice: Video Advice Kiosks & MoneyPennie AI
DebtStream and AperiData
E.On Next & Identeq
FICO - Risk Decision & Data Science & Nationwide Building Society
Nova Credit & HSBC
Phillips & Cohen Associates and Elephants Don't Forget
Best Use of Technology - Service Provider
APLYiD
Auto Trader Group
Chaser
Equifax
Experian - Ascend Analytical Sandbox™
Experian - Work Report®
IncomeMax
Pepper Advantage
StepChange Debt Charity
TransUnion
Car Finance Provider of the Year
Sponsored by Auto Trader
Carmoola
Close Brothers Motor Finance
MotoNovo Finance
Northridge Finance
Zopa Bank
Collections & Recoveries Service Provider of the Year
Advantis Credit
Ardent Credit Services, a Phillips & Cohen Associates company
Overdales
TDX Group
Commercial Utilities Team of the Year
British Gas - Business Credit Vet Team
Octopus Energy - Business Credit Team
Company Award for Climate Risk Action
Furness Building Society
Novuna Vehicle Solutions
Credit Data & Analytics Provider of the Year
Sponsored by Zilch
Equifax
Experian
Pepper Advantage
The ClearScore Group
TransUnion
Credit Risk Team of the Year
Sponsored by C&R Software
118 118 Money - Credit Risk Team
British Gas - Business Credit Vet Team
HSBC
Novuna Consumer Finance - Corporate Risk Team
Snap Finance
Debt Advice Provider of the Year
Debt Free Advice
Money Advice Trust
Money wellness
PayPlan
StepChange Debt Charity
Debt Purchaser of the Year
Cabot Financial
Lowell
PRA Group UK
Diversity & Inclusion Trailblazer
Close Brothers Motor Finance
Equifax
Vanquis
Zuto
Excellence in Corporate Social Responsibility
Equifax
Furness Building Society
IE Hub
Excellence in Credit Risk Modelling
Abound
Jaywing & YouLend
Nationwide Building Society - Risk Decision & Data Science
Novuna Consumer Finance - Scorecard Team
Silvercat
Excellence in Fraud Prevention
Barclays Fraud Team and FICO
Close Brothers Motor Finance
Jaywing
Nationwide Building Society - Risk Decision & Data Science
Octopus Energy - Credit Team
Legal Team of the Year
Sponsored by Equivo
Aberdein Considine
Mortimer Clarke Solicitors part of Cabot Management Group
Overdales
Solaris Law
Mortgage Lender of the Year
Sponsored by Equifax
Family Building Society
Gen H
Lloyds Bank
Yorkshire Building Society
Outstanding Conduct in Collections
Sponsored by C&R Software
Aldermore & MotoNovo Finance
ARC Europe
Cabot Financial
TDX Group
Rising Star of the Year
Esme Davies, Skipton Building Society
Smita George, Equifax
Hannah Godfrey, Nationwide Building Society
Harry Owen, Love Finance
Annabelle Raven, Snap Finance
SME Lender of the Year
365 finance
Alpha Bank London
Fleximize
Love Finance
mcl finance in partnership with Haogen Finance
Novuna Business Cash Flow
Utilities and Telecoms Team of the Year
Sponsored by Lantern
E.ON Next - Residential Credit Leadership Team
Octopus Energy - Credit Team
Pegasystems & E.ON Next
Vulnerable Customer Strategy of the Year - Creditor
Sponsored by C&R Software
Gain Credit
Moneyline
NatWest
Octopus Energy - Credit Team
Vulnerable Customer Strategy of the Year - Service provider
Sponsored by C&R Software
Dukes Bailiffs
Experian
IE Hub
IncomeMax
LoanTube
PayPlan
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