Atom will benefit from access to Kamma’s full climate suite, offering an unparalleled view on both the physical and transition risks of its mortgage book.

Kamma will further provide analytics on Atom’s financed emissions, improved PCAF scoring, and climate credentials on pools of assets for the purposes of securitisation.

Atom has pledged to become a carbon positive bank by 2035.

The bank’s director of ESG Edward Twiddy says: “Banks have a crucial role to play in solving the climate challenge.

“Too much lending has been done by banks that has not taken account of the impact we are having on the climate, and it is important that this is changing.

“The damage we have already done is clear, and we do not see any reason to delay action when the evidence and imperative for change is in front of us.

“I’m delighted that we are partnering with Kamma to benchmark our emissions, manage our risks and most importantly, to provide practical ways for Atom and our customers to face into the future.”

Kamma chief executive Orla Shields adds: “Our strategy is to partner with market leaders in order to support the development of bleeding edge propositions and light a pathway to Net Zero for other organisations.

“We’re hugely excited about the opportunity to partner with Atom Bank on their climate journey”.