Data Scientist

• Join a data science team of 11 members focused on pricing, classification of Open Banking data, and credit decisioning. • Actively contribute to building Render and adapting it to different use cases and products by being directly embedded in the tech team. • Help drive market-leading credit performance where Abound sees only 3 defaults for every 10 the industry expects.

• Have an advanced degree (Master's or Ph.D.) in Data Science, Machine Learning, Statistics, or a related field. • Possess 1-2 years of experience in a data science role, preferably related to credit risk or finance. • Be proficient in SQL and Python. • Have a strong background in statistical modelling, machine learning algorithms, and data mining techniques. • Be passionate about leveraging AI and data to improve financial inclusion and access to fair credit. • Have excellent communication skills and can translate complex data insights for both technical and non-technical stakeholders. • Be adaptable, innovative, and thrive in a fast-paced, high-growth environment.

• Have experience with AWS. • Have experience in credit risk or finance. • Have experience with Open Banking data.

• Develop, implement, and maintain advanced AI and machine learning models to improve credit decisioning, risk, and affordability assessments. • Analyse large datasets of Open Banking data to extract insights on customer financial behaviour and affordability. • Collaborate with cross-functional teams including product, finance, collections, and underwriting to transform data insights into pioneering solutions. • Address complex technical challenges that set new industry standards and drive product strategy and growth. • Design and implement scalable data analytics infrastructure to support Abound's rapid growth. • Stay abreast of industry trends in AI, machine learning, and fintech to drive innovation.

Abound is one of the most exciting fintech stories in the UK right now. In just five years, the co-founders have built a profitable, fast-growing lending platform that was named the UK's number one fastest-growing tech company by The Sunday Times in 2026, with nearly 500% annual revenue growth. The company generated £69 million in revenue and £9 million in profit before tax in 2024, which is remarkable given that, among the top 15 high-growth UK companies tracked by Sifted, Abound was the only profitable one. They have secured £2.2 billion in lending capacity from Citi, Deutsche Bank, Waterfall, and others, and have been listed among the top 250 global fintechs by CNBC. What makes Abound especially interesting as a place to work is the leadership pedigree: Gerald Chappell was previously a Partner at McKinsey and EY, where he led digital lending and credit analytics solutions globally, while Dr Michelle He was a Director at EY with a PhD in machine learning. The broader leadership team brings experience from Goldman Sachs, Citi, Airbnb, and other major institutions. The UK Glassdoor entity sits at 4.6/5, with every single employee recommending it to a friend. What comes through in reviews is the flat structure, data-driven culture, quick career progression, and the chance to learn directly from seriously experienced leaders. Everyone gets equity ownership, a 30-day paid sabbatical after 4 years, a free WellHub membership, and plenty of team socials. A couple of things worth knowing: some Glassdoor reviews flag high targets and performance pressure, and Abound runs a hybrid model from its London offices rather than being fully remote. That said, if you want to be part of a profitable, rapidly scaling UK fintech where your work has a real impact on making credit fairer for millions of people, Abound is a brilliant place to do it.

• Own a piece of the company with equity. • Work hybrid with 3 days a week in the office. • Take 25 days holiday a year plus 8 bank holidays. • Receive 2 paid volunteering days per year. • Enjoy one month paid sabbatical after 4 years. • Access an employee loan. • Get free gym membership. • Benefit from a team wellness budget to be active together.

Abound is redefining consumer lending in the UK and beyond using advanced AI and Open Banking data to make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, Abound looks at the full financial picture. The company has issued over £1.3bn in loans directly to customers with market-leading credit performance, seeing only 3 defaults for every 10 the industry expects. Backed by £2bn+ of funding from Citi, GSR Ventures, and Deutsche Bank, Abound reached profitability just 2.5 years after launch and is recognised as one of Europe's fastest-growing fintechs.