Transforming Lending Origination

Efficient solutions tailored for lending institutions—built by bankers, for banks.

Our Story

We’ve been where you are

As former banking executives, we searched for software solutions to solve the inefficiencies and barriers to growth. But we found nothing. So, in 2019, we drew on our understanding of banking operations and regulations to create our mortgage origination operating system. Designed by bankers, for banks, using proven technology. No risky tech, no disruptive approaches. Just a reliable system that radically simplifies and enhances mortgage businesses.

Today, we power all the leading Irish mortgage lenders, and are expanding into other EU markets, delivering impressive results. Processing times cut by 90%. Conversions up 60%. Operating costs down by 50%. All of this in just weeks. And we’re now extending use to other complex loan verticals, like SME loans, as the approach and benefits are very similar.

Our Vision

Rather than battling the mortgage mess, institutions offering complex loans should be able to focus on growing their business and innovating – for the benefit of consumers. More loans, based on better risk profiling and decisioning, offered more conveniently, rapidly, transparently. Easier said than done!

Our Mission

We’re bent on getting there, but without disrupting or revolutionising the institutions we serve. That’s why we’ve built an origination operating system with bank-proven tech that can be deployed fast above the stack. Configured to target operating models using our banking domain expertise. For instant business impact.

Company Timeline

2019

Company founded
€2.3m seed funding

2020

Delivery of MVP
First transformation projects

2021

Launch of Origination OS
First top-tier banks go-lives

2022

Strategic government project
Integrations with core systems
Third-party fintech marketplace

2023

Established leader in Ireland
Processing c. 40% of market volumes
FS Awards Fintech Innovation Award

2024

International expansion in Spain
New lending verticals
€8.3m funding to date

Our value pillars

Radical simplification

Ending the mortgage mess, for all stakeholders

Built by bankers, for banks

Deeply understanding what needs to be done

Instant business impact

Growth and efficiency, not tech for the sake of tech

Proven enterprise tech

Using banking technology proven at scale and low risk

Long-term partnership

Not a SaaS vendor, but a partner for growth & innovation

Unwavering focus

Dedicated to complex loan origination, nothing else

Meet our Leadership Team

We come from business and technology leadership roles in the banking and finance sector. That’s why we believe
we’ve built something that’s really in tune with institutions’ needs – a solution by bankers, for banks.

Transforming Lending Gavin Bennett CreditLogic — Gavin Bennett
Chief Technology and Product Officer, Co-founder

Transforming Lending Niall Ennis CreditLogic — Niall Ennis
Chief Financial Officer

Transforming Lending Aodhan Flynn CreditLogic — Aodhan Flynn
Chief Operating Officer

Eddie Dillon

Founder & CEO

Former commercial director and chief innovation officer at KBC Bank. Chartered accountant (FCA) with previous senior advisory and corporate finance positions.

Eddie founded KBC Innovation Hub, an international digital transformation centre of 100+ people. As commercial director, he was responsible for launching a new digital-first full service retail bank, acquiring over 300,000 customers.

Gavin Bennett

Chief Technology and Product Officer, Co-founder

Award-winning CTO having led delivery and thought leadership of unique, innovative digital propositions.

Co-founder of KBC Innovation Hub, Gavin led the mobilisation of leading multi-functional development teams. An experienced development practitioner, he’s held previous leadership roles in technology in Irish financial services, notably AIB and Bank of Ireland, and with international development house, EDS.

Elena Alvarez

Country Manager, Spain

As Head of Sales and Strategy at Meta, Elena has driven the digitalization of major banks, insurance companies and fintechs in Iberia, solidifying the use of social media platforms in their performance strategies. She spearheaded new digital business and venture building initiatives at BBVA. Elena’s earlier roles at UniversalPay highlight her expertise in developing new markets and launching successful B2B digital businesses.

Niall Ennis

Chief Financial Officer

Senior technology and private equity executive with over 20 years’ plc board and managing director experience.

Niall is an experienced leader with decades’ managerial experience. He was managing director of DCC Technology/Exertis, managing director of Valeo Foods and finance and development director of DCC Group.

Aodhan Flynn

Chief Operating Officer

Former senior director and global head of operations with Twitter and Meta.

Aodhan is a highly experienced technology executive with over 20 years’ experience across engineering and software development, product management, business operations, data analytics and operations.

Robin Prendergast

Head of Go-To-Market

Join Our Team

If you love sitting behind a desk every day in a huge, slow-moving, bureaucratic company, then you certainly wouldn’t enjoy working with us. But if you love variety, challenge, autonomy and plain good craic, then we’d love to have you on board!

Get in touch