About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
Role summary
Fintern is a fast-growing fintech consumer lender. We're scaling up and entering new markets and introducing new products. We’re hiring a Regulatory Counsel with strong Consumer Credit Act (CCA) and FCA CONC experience. You’ll prepare submissions to the FCA and others and advise senior leadership on regulatory risk in your area. You’ll also draft, implement, and monitor legally robust, plain‑English templates and ensure live documents match approved versions. We have a small legal team so you will also be expected to assist with broader legal work.
What you’ll do
Regulatory submissions: draft submissions and supporting materials to a high standard such as Appointed Representative/IAR applications, waiver/modification requests, applications for new permissions and similar submissions, liaising with external counsel where needed.
New markets: identify and communicate key legal and regulatory matters for new products, markets and geographies that we are considering. Working closely with others, ensure that decisions about new markets are well-informed and that subsequent entry is well-managed.
Draft & maintain customer credit documentation across the lifecycle (pre‑contract and post‑contract), including credit agreements, PCCI, adequate explanations, statements, and notices (e.g. NOSIAs and Default Notices). Maintain suite of customer documentation, managing versioning and approvals. Check accurate deployment into production.
Risk advice and governance: provide clear, pragmatic advice to the CCO and senior management on risks and mitigations in your area; log actions and drive them to closure.
External advice: commission advice from legal and other advisers on discrete questions, track progress, and capture learning back into templates and guidance.
Assist with broader legal work: work with a more senior lawyer to prepare/review and negotiate the commercial agreements governing entry into new markets and introduction of new products, review and negotiate supply terms for the products and services essential to our business and review and negotiate NDAs.
Support broader compliance activities: working with the Compliance team, help to identify key compliance risks and where needed monitor and control these risks. This may entail detailed loan-by-loan review work.
You’ll bring
Qualified UK Solicitor
Knowledgeable and experienced in the areas of Consumer Credit Act, FCA Handbook including CONC. Additionally, knowledge of the Payment Services Directive where relevant to consumer lending activities would be an advantage.
Excellent written and verbal skills
Strong ability to evaluate risk and propose risk-based actions
Ability to negotiate with external parties and reach acceptable outcomes
Strong team-player qualities
What we offer
Everyone owns a piece of the company - equity
Hybrid with 3 days a week in the office
25 days’ holiday a year, plus 8 bank holidays
2 paid volunteering days per year
One month paid sabbatical after 4 years
Employee loan
Free gym membership
Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering
About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
The Role
We are hiring a Product Lead to own our Express / Mid-prime personal loan product, one of our highest-priority growth areas. This is unsecured personal lending in the higher-APR mid-prime space (30% to 50% APR), with loans typically from £2,000 to £10,000, and customers acquired primarily through price-comparison and aggregator marketplaces. Our ambition is to grow this product many times over while improving its economics, and this role owns the product that makes that happen.
This is a product role first. You will own the Express/Mid-prime proposition end to end: who we serve, how we quote and present offers on marketplaces, how the journey converts, how we price, and how the product performs once the loans are on the book. What makes it different from a typical product role is that the product is credit. The levers that drive growth, such as eligibility, pricing, offer design and underwriting, are the same levers that drive loss rates, so you need to be comfortable working with risk and data science rather than handing that part off.
We think this is a great role for someone with around four to five years of experience who has built a strong foundation in lending or fintech, has worked hands-on with data and credit decisioning, and is ready to own a product outright rather than a slice of one. You will set the direction for the segment, run the roadmap, and be accountable for the results, with the backing of experienced risk, data science and commercial leaders around you.
Our decisioning is built on Open Banking and cashflow underwriting rather than credit scores alone. For a higher-APR population acquired through marketplaces, seeing real affordability is what lets us select and price better than the market. The interesting product problem is that richer data comes at a cost to conversion, so the job is to capture that data advantage while designing a journey and offer that customers actually complete.
The defining challenge is balance: scaling volume by an order of magnitude while building a book of genuinely good credit quality. The best people in this space know that those two goals can be reconciled rather than traded off, and are curious enough to work out how.
What you'll be doing
Own the Express / Mid-prime product: proposition, roadmap, performance and economics, with direct accountability for the balance between growth and credit quality.
Lead how we quote and present offers across aggregator and price-comparison marketplaces, optimising eligibility, risk-based pricing and offer presentation to win the right customers at the point of acquisition.
Own conversion through the journey, from quote to disbursal, including how we ask customers for Open Banking data and how that affects drop-off and the quality of the book.
Understand and actively manage adverse selection in marketplace-acquired lending, shaping offer, pricing and decisioning strategy to attract the customers we want and screen out the risk we do not.
Work with data science to make sure our credit models are calibrated and tuned for this population rather than inherited unchanged from prime or adjacent segments, and be able to get into the data yourself when needed.
Use credit and commercial insight to optimise unit economics, balancing approval rates, pricing, loss rates and volume so the product scales profitably.
Monitor product and portfolio performance across the customer lifecycle, spotting emerging trends, risks and opportunities early.
Shape underwriting strategy, segmentation, credit policy and decisioning logic in partnership with risk and data science.
Design and evaluate experiments and strategy changes, and turn the analysis into clear, actionable recommendations.
Own the management information for the segment: define the metrics, monitoring and reporting that let the business make consistent decisions about the product.
Assess new initiatives, customer segments and product changes with both a commercial and a credit lens.
Present clear, structured updates on product performance to senior leadership and governance forums, and support funding and due diligence conversations where the product is in focus.
Who you are
A product person at heart: you care about the customer, the journey and the commercial outcome, and you want to own something end to end.
Quantitative and hands-on. You are comfortable in SQL and Python (or similar), you can interrogate a dataset yourself, and you can hold your own in a conversation with data scientists about model performance and calibration.
Credit-literate. You understand how eligibility, pricing and underwriting decisions shape the book you end up with, and you have a working understanding of adverse selection and why it matters in marketplace lending.
Commercially sharp, with a solid grasp of unit economics and a clear understanding that product decisions in lending have to work for both growth and portfolio performance.
Curious about trade-offs rather than defensive about them: alert to the fact that deeper affordability assessment can hurt conversion, and motivated by the challenge of capturing its value without sacrificing growth.
Able to move between detail and direction: happy getting into the data on a Tuesday and shaping the roadmap on a Wednesday.
Confident challenging assumptions and turning analysis into practical action, and able to explain your reasoning clearly to people who are not analysts.
Collaborative and credible with risk, commercial, engineering and data science teams.
Structured, proactive and comfortable in a scaling environment where priorities evolve quickly and ownership is expected.
Experience and background
Around four to five years of experience in product, credit strategy, analytics or a closely related role within consumer lending or fintech. We are deliberately targeting this level: this is a step-up role for someone ready to own a product, not a lateral move for someone who has run several.
Experience in unsecured consumer lending, ideally Unsecured Personal Loans (UPL), with exposure to the mechanics of acquiring customers through price-comparison or aggregator marketplaces. Direct experience in higher-APR or near-prime lending is a strong plus but not a prerequisite.
Hands-on data skills: SQL as a minimum, and ideally Python or R for analysis. You do not need to be a data scientist, but you need to be able to work alongside them as a peer and do your own analysis.
Experience working with or alongside credit decisioning, scorecards or risk models, and an understanding of how they are built, monitored and adjusted for a specific population.
Some experience of pricing, eligibility or offer design, and of using experiments or A/B tests to evaluate changes.
A track record of using analysis to influence decisions, not just to report on outcomes, in a role where you had some accountability for commercial results.
Strong written and verbal communication skills, with the ability to present clearly to senior stakeholders.
Experience with Open Banking data or cashflow underwriting is a plus, as is experience in a fast-growing fintech.
What we offer:
Everyone owns a piece of the company - equity
Hybrid with 3 days a week in the office
25 days’ holiday a year, plus 8 bank holidays
2 paid volunteering days per year
One month paid sabbatical after 4 years
Employee loan
Free gym membership
Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering
About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
About the Role
As a Data Engineer within the Platform team, you will play a critical role in maturing and optimizing our Data Lake. Acting as a key bridge between Platform and Data Science, you will take ownership of the infrastructure and pipelines that power data-driven decision-making across the business. This is an Individual Contributor (IC) role with high impact and autonomy.
In your first 6–12 months, your primary focus will be to evolve the Data Lake into a scalable, high-performance foundation for analytics and data science. You will migrate key production workloads- such as model calibration, ad-hoc analytics, and reporting- directly into the Data Lake, while redesigning data structures to improve query performance, reduce AWS costs, and ensure high data recency. You will also establish yourself as a trusted partner to the Data Science team, enabling faster experimentation and delivery through robust, well-designed data systems.
Technology Stack
Cloud & Compute: AWS, ECS Fargate, AWS Lambda
Databases & Data Lake: Aurora (PostgreSQL, MySQL), Athena, DMS, Glue, Iceberg
Languages & IaC: Python, Spark, SQL
Observability & Tooling: Amazon Managed Prometheus (AMP), incident.io, GitLab
What you'll be doing
Own and evolve the Data Lake infrastructure and ETL pipelines from day one
Migrate production workloads (e.g. model calibration, ad-hoc analytics, reporting) into the Data Lake
Partner closely with Data Science to understand workflows and enable scalable, efficient data usage
Redesign data structures and clustering strategies to improve query performance and data freshness
Optimize infrastructure to reduce AWS costs while maintaining reliability and scalability
Build robust, production-grade data systems using modern AWS tooling
Who you are
Strong software engineering foundation with applied knowledge of SOLID principles in data systems
Proven experience building and maintaining Change Data Capture (CDC) pipelines, ideally with AWS DMS
Hands-on expertise with Spark and AWS Glue, including transforming RDS workloads into scalable pipelines
Highly proficient in SQL, particularly within transactional RDS environments
Experience implementing governance, standards, and best practices across data platforms
Comfortable owning systems end-to-end and working cross-functionally with technical stakeholders
How we work
Ownership: You take responsibility for outcomes, not just tasks
Impact-Driven Work: You focus on results and step up during critical moments when needed
MVP Mindset: You prioritize speed and learning, accepting and managing technical debt when appropriate
Collaboration: You go beyond your role and avoid siloed thinking
Adaptability: You thrive in a fast-moving environment with shifting priorities
Pragmatism: You value sound judgment and lightweight processes over rigid bureaucracy
What we offer
Everyone owns a piece of the company - equity
Hybrid with 3 days a week in the office
25 days’ holiday a year, plus 8 bank holidays
2 paid volunteering days per year
One month paid sabbatical after 4 years
Employee loan
Free gym membership
Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering
About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
About the role:
You won't be sitting in an ivory tower throwing policies over the fence. You will be embedded directly within our Platform team in a true DevSecOps capacity. Operating as a highly technical individual contributor, you will bridge the gap between product-led engineering and Corporate IT.
You will play a hands-on role in challenging the security architecture of production and corporate IT infrastructure.
In your first 6–12 months, you will design and implement our next-generation cloud security architecture across AWS and GCP, while helping to build and mature our internal SOC capabilities, including detection and response.
You will take ownership of Microsoft Sentinel, enhancing our SIEM/SOAR capabilities, and strengthen identity and access management through improved and automated RBAC across AWS, Microsoft Entra, and internal systems.
You will also drive a shift-left approach to security by embedding controls into GitLab CI/CD pipelines, including scanning, IaC reviews, and automated policy enforcement across the SDLC.
Our technology stack:
Cloud & Compute: AWS, ECS Fargate, Aurora, Lambda, GCP
Data Lake: S3, DMS, Glue
Cloud Security Tooling: GuardDuty, Security Hub, Inspector, Security Command Center
Code & IaC: Python, Java, GitLab, AWS CDK, Terraform/CDK-TF
Observability & Incident Management: AMP, Incident.io
Who you are:
You are a security professional by trade, but a hacker by design. You have a strong track record in DevSecOps and cloud security engineering, with hands-on experience elevating the security posture of other organisations.
You are a strong Python developer. You know how to script automation, interact with APIs, and build security tooling from scratch.
You possess a rock-solid understanding of network security fundamentals and how they apply to modern, distributed cloud architectures.
You are comfortable owning both the build and run aspects of security—designing systems and responding to incidents.
You thrive in the dynamic, ambiguous, and fast-paced environment of a high-growth startup. You know how to balance rigorous security with engineering velocity.
What you'll be doing:
Actively contribute infrastructure-as-Code (AWS CDK, Terraform) for security risks prior to deployment
Implement best practice network security across AWS and GCP (IAM, VPCs, encryption, logging, monitoring)
Embed zero-trust policies across the estate
Actively challenge the security standards of production applications and infrastructure
Embed security controls into CI/CD pipelines (SAST, dependency scanning, container security)
Partner with engineering teams on secure architecture and deployment patterns
Support secure SDLC practices and pre-deployment security reviews
What we offer
Everyone owns a piece of the company - equity
Hybrid with 3 days a week in the office
25 days’ holiday a year, plus 8 bank holidays
2 paid volunteering days per year
One month paid sabbatical after 4 years
Employee loan
Free gym membership
Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering
About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
About the role
We are hiring a Chief of Staff to act as the CTO’s right hand, responsible for building the operating discipline and execution leverage required to scale the technology organisation.
This is a high-impact leadership role focused on execution, clarity and accountability. You will ensure the organisation is working on the right priorities, making clear commitments, and delivering at pace without introducing unnecessary process or bureaucracy.
Your mission is simple: build a high-performing engineering organisation that consistently delivers.
What you'll be doing
Execution & Delivery Discipline
Ensure engineering teams are aligned to the company’s most important priorities
Drive clear commitments, realistic timelines and predictable delivery
Surface risks early and ensure fast, decisive resolution
Operating Cadence
Run the core operating rhythm of the technology organisation
Own planning cycles, delivery reviews, leadership forums and executive reporting
Improve decision-making clarity and ensure follow-through
Roadmap & Visibility
Create end-to-end visibility of the technology roadmap across product and central teams
Provide clear insight into progress, risks, dependencies and trade-offs
Enable leadership to focus attention where it matters most
Cross-Team Execution
Manage dependencies across engineering, product, risk, compliance and commercial teams
Remove bottlenecks and ensure coordinated delivery across a complex organisation
Organisation & Performance
Strengthen accountability, performance management and leadership discipline
Help scale hiring, onboarding and organisational capacity
Act as a visible driver of a high-performance culture
Operating Model
Improve how central teams (Platform, FinOps, AI, Security, IT) support product teams
Establish clear ownership, interfaces and expectations to increase speed and clarity
CTO Leverage
Reduce the CTO’s overhead on coordination, planning and follow-up
Create space for focus on technology strategy, architecture and innovation
Who you are
Proven experience scaling engineering or product organisations in high-growth environments
Strong track record driving execution, delivery discipline and operational clarity
Experience running planning cadences, portfolio visibility and cross-team coordination at scale
Ability to work credibly with senior engineers and technology leaders
Commercial mindset: understands how technology drives growth, customer outcomes and risk management
High standards, strong judgement and a bias for action
You are structured but pragmatic, demanding but focused on outcomes. You know how to raise performance without slowing teams down.
What we offer
Everyone owns a piece of the company - equity
Hybrid with 3 days a week in the office
25 days’ holiday a year, plus 8 bank holidays
2 paid volunteering days per year
One month paid sabbatical after 4 years
Employee loan
Free gym membership
Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering
About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
About the Role
We're looking for a hands-on Lead Software Engineer to lead technology delivery for Abound Spain. This role will be responsible for adapting, deploying and operating Abound’s lending platform in Spain, ensuring it meets local business, operational and regulatory requirements while remaining aligned with our global technology strategy.
This role combines hands-on software engineering, solution architecture, technical leadership and team management, reporting to the Spain Director and to the Chief Product Officer. While remaining actively involved in software development, you will act as the technology owner for Spain, ensuring Abound’s global platform is successfully localised, integrated and operated within the Spanish market.
You will work closely with Product Managers, Engineering, Risk, Operations, Compliance and external technology partners to translate business requirements into scalable technical solutions. You will help shape the local technology roadmap, ensuring that Spain benefits from the strength of Abound’s existing platform while adapting it to the needs of the local market.
We value engineers who enjoy solving complex problems, take ownership beyond writing code, and are equally comfortable discussing architecture, integrations, operational resilience and software delivery. This is an opportunity to play a key role in launching and scaling Abound’s business in Spain while remaining close to the technology.
At Abound, you'll be part of a culture that values autonomy, curiosity and continuous improvement. You'll work with a modern Python-based technology stack, gain deep exposure to consumer lending and fintech, and can build a scalable technology operation from an established global platform.
Our technology stack
Python (FastAPI, SQLAlchemy, OpenTelemetry, Procrastinate)
PostgreSQL
Liquibase
Docker
AWS
Who you are
Strong experience building and maintaining production systems in Python.
Experience leading engineering teams or complex technical projects.
A hands-on engineer who enjoys solving technical problems while providing technical leadership.
Experience designing solution architectures for business-critical systems.
Experience adapting and deploying shared technology platforms to meet local market, operational and regulatory requirements.
Strong understanding of distributed systems, APIs, cloud-native architectures and modern software engineering practices.
Experience integrating third-party technology providers and external platforms.
Experience collaborating directly with business stakeholders to translate business requirements into scalable technical solutions.
Strong engineering judgement with the ability to make pragmatic technical and architectural decisions.
Experience maintaining highly available production environments with a focus on reliability, observability and operational excellence.
Strong sense of ownership and accountability, with a delivery-focused mindset.
Experience working with AWS or equivalent cloud platforms.
Highly desirable
Experience within consumer lending, retail banking or regulated financial services.
Good understanding of the end-to-end lending lifecycle, including loan origination, servicing and collections.
Experience working with lending platforms rather than building products entirely from scratch.
Experience localising global technology platforms for regulated markets.
Experience integrating Open Banking providers, payment providers, credit bureaus, identity verification, fraud prevention and collections platforms.
Experience evaluating and selecting third-party technology vendors.
Experience supporting Business Continuity Planning (BCP), Disaster Recovery and operational resilience initiatives.
Experience operating technology within regulated environments, understanding governance, auditability, information security and operational controls.
What you will be doing
Leading and managing a small engineering team, supporting their growth through coaching, mentoring and regular feedback.
Remaining hands-on by contributing directly to the codebase and leading engineering best practices.
Acting as the technology owner for Spain, ensuring successful implementation and evolution of Abound’s platform within the local market.
Defining solution architectures that leverage Abound’s global platform while addressing Spain-specific business, operational and regulatory requirements.
Leading technical implementation of new capabilities required for the Spanish business.
Coordinating internal engineering teams and third-party technology providers to deliver reliable, scalable solutions.
Evaluating, integrating and managing third-party providers supporting the lending ecosystem, including payments, Open Banking, customer communications, fraud prevention and collections.
Working closely with Product, Risk, Operations and Compliance teams to ensure technology solutions support business growth and operational excellence.
Supporting engineers through code reviews, pairing and technical guidance.
Participating throughout the full software development lifecycle, from design and implementation through testing, deployment, monitoring and production support.
Helpinf structure engineering delivery, including sprint planning, estimation and retrospectives.
Contributing to Business Continuity Planning, Disaster Recovery and operational resilience.
Providing second-line production support during business hours, troubleshooting issues affecting business operations and customers.
Continuously identifying opportunities to simplify architecture, improve platform scalability and increase operational efficiency.
What success looks like
Successfully delivering the technology capabilities required to launch and scale Abound’s lending business in Spain.
Building strong working relationships across Engineering, Product, Risk, Operations and Compliance.
Establishing a robust local technology operating model fully aligned with Abound’s global platform.
Delivering successful integrations with key third-party technology providers.
Improving platform resilience, operational readiness and engineering quality.
Building a high-performing engineering culture that combines technical excellence with pragmatic execution.
Collaborating successfully across Risk, Operations, Technology and Compliance functions.
This position is based in Madrid with a hybrid work arrangement requiring 3 days per week on-site in our office in Las Rozas, Madrid.
","descriptionPlain":"About Abound\n\nWe’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.\n\n\nAnd we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.\n\n\nBacked by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.\n\nAbout the Role\n\nWe're looking for a hands-on Lead Software Engineer to lead technology delivery for Abound Spain. This role will be responsible for adapting, deploying and operating Abound’s lending platform in Spain, ensuring it meets local business, operational and regulatory requirements while remaining aligned with our global technology strategy.\n\nThis role combines hands-on software engineering, solution architecture, technical leadership and team management, reporting to the Spain Director and to the Chief Product Officer. While remaining actively involved in software development, you will act as the technology owner for Spain, ensuring Abound’s global platform is successfully localised, integrated and operated within the Spanish market.\n\nYou will work closely with Product Managers, Engineering, Risk, Operations, Compliance and external technology partners to translate business requirements into scalable technical solutions. You will help shape the local technology roadmap, ensuring that Spain benefits from the strength of Abound’s existing platform while adapting it to the needs of the local market.\n\nWe value engineers who enjoy solving complex problems, take ownership beyond writing code, and are equally comfortable discussing architecture, integrations, operational resilience and software delivery. This is an opportunity to play a key role in launching and scaling Abound’s business in Spain while remaining close to the technology.\n\nAt Abound, you'll be part of a culture that values autonomy, curiosity and continuous improvement. You'll work with a modern Python-based technology stack, gain deep exposure to consumer lending and fintech, and can build a scalable technology operation from an established global platform.\n\n\n\nOur technology stack\n\n - Python (FastAPI, SQLAlchemy, OpenTelemetry, Procrastinate)\n\n - PostgreSQL\n\n - Liquibase\n\n - Docker\n\n - AWS\n\n\n\nWho you are\n\n - Strong experience building and maintaining production systems in Python.\n\n - Experience leading engineering teams or complex technical projects.\n\n - A hands-on engineer who enjoys solving technical problems while providing technical leadership.\n\n - Experience designing solution architectures for business-critical systems.\n\n - Experience adapting and deploying shared technology platforms to meet local market, operational and regulatory requirements.\n\n - Strong understanding of distributed systems, APIs, cloud-native architectures and modern software engineering practices.\n\n - Experience integrating third-party technology providers and external platforms.\n\n - Experience collaborating directly with business stakeholders to translate business requirements into scalable technical solutions.\n\n - Strong engineering judgement with the ability to make pragmatic technical and architectural decisions.\n\n - Experience maintaining highly available production environments with a focus on reliability, observability and operational excellence.\n\n - Strong sense of ownership and accountability, with a delivery-focused mindset.\n\n - Experience working with AWS or equivalent cloud platforms.\n\n\n\nHighly desirable\n\n - Experience within consumer lending, retail banking or regulated financial services.\n\n - Good understanding of the end-to-end lending lifecycle, including loan origination, servicing and collections.\n\n - Experience working with lending platforms rather than building products entirely from scratch.\n\n - Experience localising global technology platforms for regulated markets.\n\n - Experience integrating Open Banking providers, payment providers, credit bureaus, identity verification, fraud prevention and collections platforms.\n\n - Experience evaluating and selecting third-party technology vendors.\n\n - Experience supporting Business Continuity Planning (BCP), Disaster Recovery and operational resilience initiatives.\n\n - Experience operating technology within regulated environments, understanding governance, auditability, information security and operational controls.\n\n\n\nWhat you will be doing\n\n - Leading and managing a small engineering team, supporting their growth through coaching, mentoring and regular feedback.\n\n - Remaining hands-on by contributing directly to the codebase and leading engineering best practices.\n\n - Acting as the technology owner for Spain, ensuring successful implementation and evolution of Abound’s platform within the local market.\n\n - Defining solution architectures that leverage Abound’s global platform while addressing Spain-specific business, operational and regulatory requirements.\n\n - Leading technical implementation of new capabilities required for the Spanish business.\n\n - Coordinating internal engineering teams and third-party technology providers to deliver reliable, scalable solutions.\n\n - Evaluating, integrating and managing third-party providers supporting the lending ecosystem, including payments, Open Banking, customer communications, fraud prevention and collections.\n\n - Working closely with Product, Risk, Operations and Compliance teams to ensure technology solutions support business growth and operational excellence.\n\n - Supporting engineers through code reviews, pairing and technical guidance.\n\n - Participating throughout the full software development lifecycle, from design and implementation through testing, deployment, monitoring and production support.\n\n - Helpinf structure engineering delivery, including sprint planning, estimation and retrospectives.\n\n - Contributing to Business Continuity Planning, Disaster Recovery and operational resilience.\n\n - Providing second-line production support during business hours, troubleshooting issues affecting business operations and customers.\n\n - Continuously identifying opportunities to simplify architecture, improve platform scalability and increase operational efficiency.\n \n \n\nWhat success looks like\n\n - Successfully delivering the technology capabilities required to launch and scale Abound’s lending business in Spain.\n\n - Building strong working relationships across Engineering, Product, Risk, Operations and Compliance.\n\n - Establishing a robust local technology operating model fully aligned with Abound’s global platform.\n\n - Delivering successful integrations with key third-party technology providers.\n\n - Improving platform resilience, operational readiness and engineering quality.\n\n - Building a high-performing engineering culture that combines technical excellence with pragmatic execution.\n\n - Collaborating successfully across Risk, Operations, Technology and Compliance functions.\n\n\n\nThis position is based in Madrid with a hybrid work arrangement requiring 3 days per week on-site in our office in Las Rozas, Madrid.\n\n","compensation":{"compensationTierSummary":null,"scrapeableCompensationSalarySummary":null,"compensationTiers":[],"summaryComponents":[]}},{"id":"b96a2445-4a82-4731-8241-4d5d3d679bfb","title":"Second Charge Mortgage Underwriter","department":"Underwriting","team":"Underwriting","employmentType":"FullTime","location":"London","shouldDisplayCompensationOnJobPostings":false,"secondaryLocations":[],"publishedAt":"2026-08-21T15:13:53.056+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"London","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/abound/b96a2445-4a82-4731-8241-4d5d3d679bfb","applyUrl":"https://jobs.ashbyhq.com/abound/b96a2445-4a82-4731-8241-4d5d3d679bfb/application","descriptionHtml":"About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
About the Role
We're looking for an experienced Second Charge Mortgage Underwriter to join our underwriting team.
This is an exciting opportunity to join a successful business that is expanding into secured lending. We are bringing Open banking and AI to the secured lending process to save customers money.
We are looking for someone with strong property underwriter experience in a second charge lending space, someone who can work to targets and thrives in a startup environment.
We have great opportunities for progression in an ever-growing business.
About the Team
Unlike traditional lenders, we’re focused on doing things differently. Our underwriting approach combines a state-of-the-art in-house built technology that blends traditional lending methods with Open Banking analysis to create a smoother and more flexible experience for our customers.
We work together to our common goals using Ai to assist our daily lives. We are always working towards improvement and encourage feedback from everyone; you can see your ideas comes to life.
Working Hours
Monday to Friday, 9:00am – 6:00pm
What You'll Be Doing
Assess and underwrite second charge mortgage applications, using Open banking, affordability, credit history, and security property details against lending policy and regulatory requirements
Liaise directly with brokers, request further information, and keep cases progressing to completion within SLA
Ensure every decision is fully documented and auditable, meeting FCA and internal compliance standards (including affordability, vulnerable customer, and consumer duty requirements)
Provide clear, constructive feedback to brokers and internal sales teams on declined or conditioned cases
Contribute to the continuous improvement of underwriting policy, criteria, and process as the second charge product and book matures
Work cross-functionally with Risk, Compliance, and Operations to ensure underwriting practices support both growth and good customer outcomes.
Skills & Experience
Minimum of 2 years' experience in second charge mortgages
You'll be comfortable working to targets, driving month-on-month growth as the book expands.
Good understanding of property as security — including valuation approaches, equity position, LTV and combined LTV calculations, existing charge structures, and title issues — with the ability to lead confidently on lending decisions where property equity is the primary basis for risk.
Strong working knowledge of FCA regulation, UK responsible lending rules, affordability assessment, MCOB requirements, fraud prevention, and AML regulations, with the credibility to interpret and apply these commercially.
Proven track record in manual underwriting of complex, high-value, and non-standard cases, with the judgement to make balanced decisions beyond a tick-box approach.
Relevant industry qualifications (e.g., CeMAP, CeRER, DipFA or equivalent) are highly desirable.
How We Work
• We prioritise sound credit decisions and continuous learning from outcomes.
• We take ownership of our work and support one another to achieve shared goals.
• We work collaboratively across the business and contribute beyond individual responsibilities.
• We encourage open discussion, constructive challenge, and accountability.
• Strong performance and positive contribution are recognised and rewarded.
What we offer
Everyone owns a piece of the company - equity
Hybrid with 3 days a week in the office
25 days’ holiday a year, plus 8 bank holidays
2 paid volunteering days per year
One month paid sabbatical after 4 years
Employee loan
Free gym membership
Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering
About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
We're looking for an experienced individual to fill the Complaints Specialist Role. This position requires an important balance of customer service, complaints handling and business sense as we focus on delivering the right outcomes for our customers based on their individual circumstances, always.
You will be working alongside with our rapidly expanding team in our Milton Keynes office, this is a hybrid role requiring 3 days per week in our Milton Keynes office with flexibility on the other 2. There will also be a requirement to attend our central London office once a month (fully expensed).
Who you are
Experience: Minimum of 3-5 years’ experience in a complaint handling role within the financial services industry, preferably in lending.
Knowledge: In-depth knowledge of FCA regulations, FOS processes, and other relevant UK financial regulations.
Skills: Strong analytical, problem-solving, and decision-making skills, with the ability to handle complex complaints.
Communication: Excellent written and verbal communication skills, with the ability to handle sensitive situations with tact and professionalism.
Attention to Detail: High level of accuracy and attention to detail in documentation and analysis.
What you'll be doing
Complaint Handling: Manage and resolve customer complaints in a timely and effective manner, ensuring that all responses are accurate, clear, and comply with regulatory standards.
Customer Communication: Act as the primary point of contact for escalated complaints, providing clear and empathetic communication to customers throughout the process.
Regulatory Compliance: Ensure all complaint handling processes comply with FCA guidelines, the Financial Ombudsman Service (FOS) requirements, and other relevant regulations.
Root Cause Analysis: Conduct detailed investigations into complaints, identifying trends and root causes, and providing feedback to relevant departments to improve service delivery. This involves coordinating responses from other departments such as underwriting and collections
Reporting: Prepare regular reports on complaint trends, root cause analysis, and resolution times for senior management, highlighting areas for improvement.
External Liaison: Coordinate with external bodies, such as the Financial Ombudsman Service, to manage and resolve complaints escalated beyond internal resolution processes.
Internal reporting: Support complaints MI and escalate issues to senior management where needed
Documentation: Maintain accurate records of all complaints, resolutions, and actions taken, ensuring these are logged appropriately in the company’s systems
Others: supporting other business operations activities such as fraud handling and general customer queries
What we offer
Everyone owns a piece of the company — equity
Hybrid working, with 3 days a week in the office
25 days’ holiday a year, plus 8 bank holidays
2 paid volunteering days per year
One month paid sabbatical after 4 years
Employee loan
Free gym membership
Team wellness budget to be active together — set up a yoga class, a tennis lesson or go bouldering
About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
About the role
We’re looking for a Software Engineer to help us build high-quality, reliable backend systems that accelerate our mission.
This role sits within our mortgage engineering team. You’ll work across the backend stack, owning features end to end: from shaping product and technical requirements through implementation, launch, and iteration.
This role is ideal for a hungry, ambitious engineer who wants to step up quickly; someone with strong engineering fundamentals, high ownership, and the drive to grow into a senior-level contributor.
What you’ll be doing:
Build and ship high-quality backend features using Python, Django, RESTful APIs, GraphQL, Pydantic, Postgres, and Google Cloud
Own backend work from concept through delivery, including technical design, implementation, testing, deployment, and iteration
Collaborate with internal teams and external engineering partners to deliver features with cross-team dependencies
Work closely with frontend to shape excellent user-facing and internal experiences
Bring strong technical judgment to the table, improving not just how systems work, but how they scale and evolve
Contribute to backend architecture, API design, data modelling, performance, reliability, security, and developer experience
Raise the standard of your own work and the work of those around you
Who you are:
Strong hands-on experience building backend systems with Python
Practical experience working with Django
Experience designing or consuming RESTful APIs
Experience designing and exposing GraphQL APIs for frontend applications
Experience working with Postgres and relational data models
Familiarity with Pydantic, typed Python, or modern Python engineering practices
Some experience with cloud infrastructure, ideally Google Cloud, or a strong desire to learn
A good eye for clean architecture, API design, performance, reliability, and maintainability
A product-minded approach: you care about the “why” behind what you’re building
A strong sense of ownership and accountability
The ability to uncover unknowns, navigate ambiguity, and turn complex problems into clear, shippable solutions
Pride in your craft, clean code, thoughtful reviews, and helping others grow
Ideally, you'll also have:
Experience with PDF generation or document rendering workflows
Experience in early-stage or fast-moving product teams
Familiarity with observability, monitoring, alerting, and infrastructure operations
A data-driven approach to decision-making
Openness to change, innovation, and the ways AI will reshape how products are built and used
What makes someone successful in this role
You don’t just “take tickets.” You think like a product builder. You’re hungry to learn, quick to take ownership, and motivated by the chance to grow fast. You notice when a system could be simpler, when an API could be clearer, or when a technical decision needs more care.
You’re comfortable stepping into ambiguity, asking good questions, making decisions, and pushing work over the finish line.
How we work at Abound
To be successful here, our culture needs to energise you. Here is how we operate:
High Bar & Real Ownership: We are a high-performing team, and we hire people who raise the bar and take pride in great work. We own outcomes, not tasks.
We Work Hard: We care about impact, not face time. At key moments, we go the extra mile to deliver for customers and the business.
MVP & Iteration Culture: We ship fast, learn from real customers, and continuously improve our products and processes.
One Team Collaboration: We collaborate deeply across engineering, product, operations, and the wider business.
Thrive in Change: Priorities evolve as we learn what works. We value people who use good judgment, adapt quickly, and stay focused on outcomes.
What we offer
Everyone owns a piece of the company - equity
Hybrid with 3 days a week in the office
25 days’ holiday a year, plus 8 bank holidays
2 paid volunteering days per year
One month paid sabbatical after 4 years
Employee loan
Free gym membership through WellHub
Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering
About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
We're looking for an experienced individual to join us in the role of Senior Software Engineer. This position requires enthusiasm for exploring and understanding new business areas.
We maintain a culture of ownership and value engineers that are excited about the business and are willing to work alongside stakeholders to continually improve business processes and customer experience.
We offer a broad range of opportunities across platform engineering, B2B customer integration, conversion optimisation and business process automation. At Abound, you will work on the best-in-class open-banking decision making platform, and learn how to operate with low-latency, at scale.
Candidates must have had experience working directly with internal stakeholders to establish requirements, designing technical solutions, and owning the delivery of significant functionality, ideally having worked with peers of different levels to complete projects collaboratively. Fluency in both Chinese and English is essential to facilitate seamless communication and collaboration.
Our technology stack: Python (including FastAPI, OpenTelemetry, procrastinate, SQLAlchemy, Uvicorn), Postgres, MySQL, Liquibase, Retool, Docker, AWS
Who you are:
Seven or more years professional experience in software engineering
Proven experience leading the development of significant new functionality
Proficiency in writing well-structured async Python code with type hints and unit tests
Experience maintaining codebases for business-critical systems
Strong analytical and problem-solving skills
Effective communication and collaboration skills
Proficiency in Git for version control
Basic knowledge of cloud infrastructure with experience working with at least one of AWS, GCP, or Azure
Strong SQL skills for efficient data management and retrieval
Knowledge of lending products and business processes will be a major advantage
Fluency in both Chinese and English
What you'll be doing:
Develop new features backend services that could span any part of the lending lifecycle, from finding and onboarding new customers, to helping underwriters asses their affordability, all the way through to paying out and then collecting a loan
Participate in the entire SDLC, helping to design changes, review code, build tests, and coordinate deployments
Own a part of the platform and be responsible for the smooth operation of associated business processes, and their KPIs.
Collaborate closely with colleagues in Product and Design as well as users (both internal and external) to understand, challenge, and refine requirements
Provide second-line support within business hours, helping to troubleshoot and resolve any system issues that impact our customers
Supporting junior engineers through PRs and pairing
Apply strong SQL skills to troubleshoot and improve the performance of data management and retrieval across our Postgres databases
About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
The role
We are formalising our security assurance function. We have technical controls and the engineering culture; what we need now is the governance layer that proves it - to our auditors, to our funders, and to our regulator.
You will be the delivery engine behind that. You will own the recurring assurance cycle end to end, run our third-party security programme, and be the person who turns evidence into something a due diligence team or a certification auditor can be satisfied by.
You will be responsible for building controls, gathering evidence, and challenging suppliers.
What you will own:
1. Third-party security assurance
- Run security due diligence on new suppliers, maintain initial questionnaire to risk sign-off, working with Procurement and Legal on security and data protection schedules.
- Maintain a supplier tiering model based on criticality and run the periodic re-assessment cycle for tiered suppliers: certification expiry, subprocessor changes, breach notifications, SLA performance.
- Maintain the supplier and outsourcing registers, including preparation for the FCA's material third party register under PS26/2 (rules in force 18 March 2027).
- Track concentration risk and exit plans for critical suppliers.
2. Inbound due diligence and customer assurance
- Own our response to security due diligence from funders, banking partners, institutional investors, commercial partners and prospects.
- Build and maintain a reusable trust pack: answer library, security whitepaper, current certifications, pen test attestations, standard questionnaire pre-fills (SIG, CAIQ).
- Turn a 40-hour bespoke questionnaire response into a 4-hour one.
3. The assurance calendar
- Maintain the annual calendar of security activities and make sure each one happens, produces evidence, and closes its actions: penetration tests, access reviews, disaster recovery tests, tabletop exercises, policy reviews, supplier re-assessments, awareness training.
- Coordinate external penetration tests: scoping, vendor selection, scheduling, findings triage, remediation tracking, retest.
- Facilitate tabletop exercises, including scenario design and post-exercise action tracking.
4. Risk and control administration
- Maintain the information security risk register: run the assessment cycle, record treatment plans with named owners and dates, chase closure.
- Administer the policy exception and risk acceptance process, ensuring every exception is owned, time-bound and reviewed on expiry.
- Perform first-line control testing: sample-test where key controls operate as designed and retain the evidence.
- Produce security MI for the Head of Security to take to ExCo and the Risk Committee.
5. Vulnerability and findings management
- Consolidate findings across sources — EDR, cloud security posture, SAST/DAST/SCA, secrets scanning, penetration tests — into a single view with agreed severity definitions and remediation SLAs.
- Triage, route and chase remediation with engineering teams; escalate ageing findings.
- Own the reporting on remediation performance.
6. Security awareness
- Run the awareness programme: induction, annual refresher, phishing simulation, role-based training for engineers, completion tracking.
- Coordinate pre-employment screening with People.
What you will contribute to:
- The ISO 27001 ISMS, which we are building towards certification. You will draft and maintain control documentation, populate the Statement of Applicability, gather evidence, coordinate the internal audit programme and be a primary point of contact for our external auditor. The Head of Security owns the framework, scope, and risk appetite.
- Policies and standards: you will draft, review and shepherd policies through approval, and track the review cycle.
- Incident response: you will maintain the IR plan and playbooks, facilitate post-incident reviews, track remediation actions, and support regulatory notification (ICO personal data breach reporting within 72 hours; FCA notification under Principle 11 / SUP 15.3).
- Business continuity and DR: you will maintain the documentation and the testing evidence.
- Secure development: you will help embed security requirements into the SDLC and support threat modelling sessions.
- Data protection: you will support RoPA maintenance, DPIA completion and DSAR handling alongside Legal.
What success looks like:
First 90 days: you know our supplier estate and have tiered it; the assurance calendar for the next 12 months is published and owned; inbound due diligence requests come to you and go out without the Head of Security rewriting them.
Six months: the trust pack exists and is being used; the risk register is live with owned treatment plans; ISO 27001 evidence collection is systematic rather than a scramble; the exception register exists.
Twelve months: supplier re-assessment runs on a cadence without prompting; the material third party register is ready ahead of the March 2027 deadline; MI to the Risk Committee is trusted.
Essential experience:
- Three or more years in an information security assurance, GRC or security compliance role, at least some of it in a regulated financial services environment or another environment with real external audit pressure.
- Hands-on experience of ISO 27001, whether operating an ISMS or taking one through certification.
- Demonstrable experience running third-party or vendor security assessments, and of responding to inbound security due diligence.
- Comfortable reading technical findings — an EDR vulnerability report, a penetration test finding, a cloud misconfiguration — and forming your own view on severity and real-world exploitability rather than passing the vendor's rating through unchanged.
- Clear, concise written English. Much of this role is writing things that external parties will judge us on.
- The confidence to chase a busy engineer, challenge a supplier's assertion, and tell us when an answer is not good enough.
Desirable:
- Experience of a cloud-native environment, ideally AWS.
- Experience of scaling a control framework as an organisation grows.
- Familiarity with UK operational resilience expectations (SYSC 15A) and outsourcing requirements (SYSC 8).
- Certifications such as CISM, CISA, ISO 27001 Lead Implementer or Lead Auditor, CRISC or CCSP. We care more about what you have done than what you hold.
What we offer
Everyone owns a piece of the company - equity
Hybrid with 3 days a week in the office
25 days’ holiday a year, plus 8 bank holidays
2 paid volunteering days per year
One month paid sabbatical after 4 years
Employee loan
Free gym membership through WellHub
Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering
About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
About the role
We’re growing fast! We’re a team of around 200 in 4 locations, and we’re looking for someone to help keep our people processes running smoothly as we scale.
You’ll be the go-to person for employee questions and the engine behind our day-to-day People ops, from onboarding and contracts to HRIS data and compliance. You won’t just be running processes, you’ll be building them too, so there’s real ownership and lots of room to make things better. It’s a broad, hands-on role, and it’s perfect for you if you’re organised, curious, and love making things work seamlessly behind the scenes.
What you’ll be doing
Admin: Looking after onboarding, offboarding, contracts and changes, probation, and leave and absence across all countries
Compliance: Overseeing background screening, and keeping our policies up to date as employment laws change
HRIS and data: Keeping HiBob accurate and tidy, and building workflows that cut down on manual admin
Payroll: Coordinating compensation and payroll-related administration with the Finance team, including employee query resolution
Benefits: Managing enrolment, changes, and employee queries across benefits programmes
Employee support: Being the first point of contact for questions on policies, processes, benefits and systems, and knowing when to sort things yourself and when to escalate
Employee relations: Supporting employee relations cases from start to finish, including intake, notes and case tracking, with support from the wider People team and Legal
Self-serve and AI: Helping us build our People knowledge base in Confluence from the ground up so everyone can find answers fast, and exploring smart ways to use AI and automation to take the busywork out of People ops
Projects: Getting stuck into People initiatives as we grow, from performance and engagement cycles in Culture Amp to policy rollouts and process improvements
What you’ll need
2–4 years in People Ops, HR Ops or an HR Generalist role, ideally in fintech or somewhere fast-growing
Good working knowledge of UK employment law
Hands-on experience across the full employee lifecycle
Exposure to employee relations, such as supporting cases, taking notes or tracking issues through to resolution
Experience with a multi-country team, or the ability to pick up local nuances quickly and work across time zones
Experience using an HRIS (bonus points for HiBob), and you’re comfortable with Excel
A real eye for detail and the organisation to juggle lots of requests without dropping the ball
Discretion and good judgement with confidential info and sensitive situations
Clear, friendly communication with everyone from new joiners to senior leaders
A helpful, reliable approach, and a habit of always looking for a better way to do things
Comfort with pace and a bit of ambiguity, because lots of our processes are still being built
What we offer
Everyone owns a piece of the company - equity
Hybrid with 3 days a week in the office
25 days’ holiday a year, plus 8 bank holidays
2 paid volunteering days per year
One month paid sabbatical after 4 years
Employee loan
Free gym membership
Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering
About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
About the role:
As Training Coordinator, you'll support Abound's learning and development by planning, running and monitoring training across our operational teams. You'll work closely with the QA and Training Manager, operations and site managers, subject matter experts and external trainers. Together, you'll make sure training meets business goals and our regulatory obligations under the FCA's Consumer Duty, CONC, MCOB and SM&CR.
You'll keep things running day to day. That means scheduling sessions, keeping records accurate and audit-ready, and making sure every new starter moves smoothly from day one to full competence. Additionally you will support the teams in supporting colleagues who may required additional training and support to regain competency status.
What you'll be doing:
Planning and scheduling
Create and manage training schedules across Customer Service, Collections, Credit Operations and new business lines.
Organise classroom and virtual training sessions: book rooms, trainers, systems access and equipment, and send joining instructions.
Coordinate new starter induction, including shadowing and buddy pairings (the \"I do, we do, you do\" model) and sign-off milestones, including role play based tasks.
Training materials and resources
Develop or coordinate training materials, e-learning and job aids, working with subject matter experts.
Keep training content and Confluence operating procedures current, version-controlled and in step with policy and regulatory change.
Records, reporting and compliance
Track attendance and maintain accurate, audit-ready training and competency records for every colleague.
Make sure statutory and regulatory training is completed on time. This includes Consumer Duty, vulnerable customers, financial crime and AML, data protection (UK GDPR), complaints handling (DISP) and the SM&CR Conduct Rules.
Prepare regular management information on training completion, competency status and outcomes for the QA and Training Manager and senior leaders.
Needs analysis and evaluation
Assess training needs through consultation with managers, QA results, complaints data, performance data and job analysis.
Turn QA findings into targeted refresher training and coaching sessions.
Evaluate how effective training is (feedback, assessments, QA scores before and after) and recommend improvements.
Suppliers and budget
Liaise with external trainers and providers, raise purchase orders, manage invoices and track spend against the training budget.
Who you are:
Experience coordinating training, L&D or onboarding, ideally in a contact centre or financial services setting.
Strong communication and organisational skills, with confidence working with managers at all levels.
Able to juggle several priorities, with excellent attention to detail and accurate record-keeping.
Understanding of adult learning principles and e-learning techniques.
Confident with Microsoft Office, PowerPoint and spreadsheets for tracking and reporting.
Ideally you'll also have:
Experience in an FCA-regulated firm, and awareness of Consumer Duty, CONC, MCOB, SM&CR or T&C regimes.
Knowledge of instructional design and learning management systems (LMS).
Experience with Confluence or similar knowledge-management tools.
A training or L&D qualification (for example CIPD Level 3, or a Level 3 Award in Education and Training).
What we offer:
Everyone owns a piece of the company - equity
Hybrid with 3 days a week in the office
25 days’ holiday a year, plus 8 bank holidays
2 paid volunteering days per year
One month paid sabbatical after 4 years
Employee loan
Free gym membership
Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering
About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
We're expanding access to affordable credit by launching credit products that make a real difference to customers. We move quickly, often with leading fintech, consumer and e-commerce companies, so that we can offer affordable credit at the right point in the customer journey. We work in a highly regulated environment, so our products have to work end to end from day one: technically, operationally and commercially.
As a Product Associate, you'll work across product, data and commercials. You'll dig into how our products perform, from funnel conversion to loan-level unit economics, and turn what you find into ideas for how we scale, improve margins and grow. You'll work hands-on with data and code, alongside Product Managers, Engineering, Credit and Operations. You'll help decide where the product goes next, as well as how we ship it.
This role is for top-tier STEM or Economics graduates who think like analysts, build like engineers and care about the P&L like owners, and who want to progress to Product Manager at a fast-growing, industry-leading fintech.
Product analytics & insight
Own analysis of product performance across the full funnel: traffic, applications, approvals, conversion, originations, repayment and credit outcomes
Build and maintain the dashboards, metrics and data models that Product, Credit and Operations rely on
Form sharp hypotheses, design experiments (journey changes, pricing, A/B tests) and measure the impact rigorously
Get to the root cause of anomalies quickly, whether the cause is in the data, the code or the customer journey
Unit economics & commercial thinking
Model the economics of each product: acquisition cost, approval and take-up rates, pricing, funding cost, expected loss, servicing cost and lifetime value
Put numbers on the trade-offs behind product decisions, such as wider approval versus higher losses, or partner revenue share versus volume
Track contribution margin and cohort profitability by product, channel and partner, and show where we make or lose money
Growth & product strategy
Come up with ideas for scaling and growing from where we are today (new segments, channels, products and pricing) and estimate what each one is worth
Look across our products and partnerships for places where they reinforce each other: cross-sell, top-ups, repeat lending, shared customers and shared data
Help evaluate new partner opportunities and build the business case, covering volume, economics, integration effort and risk
Turn the strongest ideas into clear proposals and see them through to launch
Building & shipping
Use AI coding tools to build and ship product end to end, across both front-end and back-end, from quick prototypes to features that go live
Build internal tools, automations and data workflows that remove manual work and help the team move faster
Be proficient with our analytics stack: build dashboards in AWS QuickSight and track funnels, events and experiments in PostHog
Use SQL and Python every day to pull, model and analyse data
Learn how our APIs, decisioning flows and data pipelines work, and work directly with engineers on specs, testing and release validation
Support Product Managers with discovery, delivery and partner onboarding
Launch readiness & operations
Define success criteria for each launch and the metrics that show whether it's working
Design test scenarios, including edge cases and failure modes, and test the end-to-end customer journey before release
Work closely with QA to make sure production releases are stable
Monitor production performance after release, and pick up and triage related bugs with engineering
Make sure new products and journeys work at launch for customer support, collections and complaints teams
Use operational data to spot recurring issues, fix them at the source and make sure they're closed out, not just discussed
A top-tier STEM or Economics graduate (computer science, engineering, mathematics, physics, economics or similar)
0–2 years of experience, including internships, placements or early-career roles with real responsibility
Strongly analytical and confident with SQL and Python, able to go from raw data to a clear recommendation
Able to build with AI. You use AI coding tools (e.g. Claude Code, Cursor) to ship working front-end and back-end code, and you've built things, whether side projects, hackathons, internal tools or production apps
Hands-on with analytics tools such as AWS QuickSight, PostHog or similar BI and product analytics platforms
Commercially minded. You naturally ask how something makes money, and you enjoy modelling unit economics, pricing and P&L
Strong product sense. You have opinions on the products you use, why they work and how they could grow
A structured problem-solver who can break down messy, real-world problems
A clear communicator who can walk an engineer through a model and make a recommendation to leadership
Nice to have: an interest in consumer credit, lending, payments or fintech; experience with experimentation and statistics.
You think like an owner, of both the customer outcome and the commercial outcome
You'd rather build a quick prototype or run the numbers than debate in the abstract
You follow through until problems are actually solved
You're comfortable with ambiguity and don't wait for perfect instructions
You speak up when something doesn't make sense, and you help fix it
You put in extra effort at key moments, such as launches and live incidents, knowing that's where the real learning happens
This role is a stepping stone to Product Management, with a clear progression path. As a Product Associate, you'll be expected to:
Build deep knowledge of our products, data and commercials
Consistently own problems end to end and deliver measurable business and customer impact
Show strong judgement, data-driven thinking and stakeholder management
High performers will progress to Junior Product Manager as they begin to:
Own a product area or metric independently, including its commercial performance
Lead defined workstreams within launches or partner integrations
Originate growth ideas that make it onto the roadmap and deliver results
Progression is based on impact and ownership, not time served.
Everyone owns a piece of the company: equity
Hybrid working, with 3 days a week in the office
25 days' holiday a year, plus 8 bank holidays
2 paid volunteering days per year
One month's paid sabbatical after 4 years
Employee loan
Free gym membership
Team wellness budget to be active together: set up a yoga class, a tennis lesson or go bouldering
About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
About the role
We're looking for a Junior Software Engineer to join our engineering team in London. This is a hybrid role, with a minimum of three days a week in our London office. This is a great opportunity for someone early in their career who wants to grow quickly, work on real production systems, and learn how a high-growth fintech operates from the inside.
You'll work alongside experienced engineers who will support you through code reviews, pairing and mentorship. We maintain a culture of ownership, and we value engineers who are curious about the business and keen to work with stakeholders to improve processes and the customer experience.
There are opportunities across platform engineering, B2B customer integration, conversion optimisation and business process automation. You'll work on a best-in class Open Banking decision-making platform and learn how to build systems that operate with low latency, at scale.
Our technology stack:
Python (including FastAPI, OpenTelemetry, procrastinate, SQLAlchemy, Uvicorn), Java,
React, Postgres, MySQL, Liquibase, Retool, Docker, AWS
What you’ll be doing
Build and maintain features in our backend services, which can span any part of the lending lifecycle – from finding and onboarding new customers, to helping underwriters assess affordability, through to paying out and collecting loans
Take part in the full software development lifecycle: contributing to designs, writing tests, reviewing code and helping with deployments
Write clean, well-tested code in Python and Java, with guidance and feedback from senior engineers
Work with colleagues in Product and Design, as well as internal users, to understand requirements and turn them into working software
Help troubleshoot and resolve system issues that affect our customers, as part of a supported team rota during business hours
Write and improve SQL queries against our Postgres databases
Gradually take ownership of parts of the platform as your experience grows
Build and improve frontend features in React, and grow your skills across the full stack
Who you are
0–2 years of professional software engineering experience, or equivalent experience from a degree, bootcamp, internships or personal projects
Working knowledge of Java and Python – you don't need to be an expert, but you're comfortable writing and debugging code in both
Hands-on experience building frontend interfaces with React
An understanding of core programming concepts such as data structures, object-oriented design and writing unit tests
Familiarity with SQL and relational databases
Comfortable using Git for version control
A genuine interest in fintech and how financial products work
A sharp eye for detail – in lending, small mistakes can have a real impact on customers
You learn fast, pick up new tools and concepts quickly, and enjoy doing so
You thrive in a fast-moving environment, are comfortable finding your way around a large, evolving codebase, and take initiative to work things out
Good problem-solving skills and a methodical approach to debugging
Clear communicator who asks questions, takes on feedback and works well in a team
Keen to work across the full stack, from backend services and databases through to the frontend
Able to work from our London office at least three days a week
Ideally you'll also have
Experience with async Python or frameworks such as FastAPI
Basic familiarity with cloud platforms (AWS, GCP or Azure) or Docker
Knowledge of lending products or Open Banking
How we work at Abound
To be successful here, our culture needs to energise you. Here is how we operate:
High Bar & Real Ownership: We are a high-performing team, and we hire people who raise the bar and take pride in great work. We own outcomes, not tasks.
We Work Hard: We care about impact, not face time. At key moments, we go the extra mile to deliver for customers and the business.
MVP & Iteration Culture: We ship fast, learn from real customers, and continuously improve our products and processes.
One Team Collaboration: We collaborate deeply across engineering, product, operations, and the wider business.
Thrive in Change: Priorities evolve as we learn what works. We value people who use good judgment, adapt quickly, and stay focused on outcomes.
What we offer
Everyone owns a piece of the company - equity
Hybrid with 3 days a week in the office
25 days’ holiday a year, plus 8 bank holidays
2 paid volunteering days per year
One month paid sabbatical after 4 years
Employee loan
Free gym membership through WellHub
Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering