Graduate Data Scientist

• Join the Data Science grad scheme and work across the whole business, from new products to core credit decisioning to user acquisition. • Take on meaningful, high-impact work from day one, learning by doing at one of London's fastest-growing fintechs. • Learn from experienced data scientists, engineers, and product leaders in a flat, fast-paced team. • Run through a one-year scheme with the chance to convert to a permanent role based on performance, starting late September to early October 2026 (TBC).

• Be a recent or soon-to-be graduate with a degree in a technical or quantitative field such as Data Science, Statistics, Mathematics, Engineering, or Economics. • Program confidently in Python or a similar language. • Optimise for learning above all as you start your career, wanting to learn by doing at London's fastest-growing fintech. • Enjoy getting hands-on and using tech to solve complex problems. • Care about the commercial impact of the technical changes you make. • Bring a genuine interest in financial technology and how AI can solve real-world problems. • Communicate clearly and work well in cross-functional teams.

• Have hands-on experience with machine learning or transformer models. • Have worked with Open Banking or financial transaction data. • Bring exposure to credit risk, lending, or the wider fintech space. • Have prior internship or project experience applying Python to real-world data problems.

• Work directly on Abound's proprietary loan decision platform, Render, contributing to the transformer models that help outperform the market on loan performance. • Improve Open Banking integrations and classification, turning noisy real-time transaction data into automated lending decisions. • Join rapid feature development cycles with direct impact on customer experience and business outcomes. • Dig into credit risk analytics, from portfolio monitoring and impairment measurement to the risk analytics behind how the loan book is funded at scale. • Take part in bi-annual technical reviews and career progression planning. • Get cross-functional exposure to risk, compliance, underwriting, and product teams.

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.

• Work hybrid, with 3 days a week in the office. • Take 25 days' holiday a year, plus 8 bank holidays. • Use 2 paid volunteering days each year. • Take a one-month paid sabbatical after 4 years. • Enjoy free gym membership. • Tap a team wellness budget to be active together, whether that's a yoga class, a tennis lesson, or bouldering. • Benefit from exceptional promotion opportunities driven by rapid company growth.

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. Rather than relying on credit scores alone, it looks at each customer's full financial picture — how much they spend and what they can afford to repay. The approach works at scale: Abound has issued over £1.3bn in loans with market-leading credit performance, seeing three defaults for every ten the industry expects, and reached profitability just 2.5 years after launch. Backed by £2bn+ of funding from investors including Citi, GSR Ventures, and Deutsche Bank, it's recognised as one of Europe's fastest-growing fintechs and is now expanding into new markets and product lines.