Head of Credit Risk

• Support the CRO in overseeing credit and product risk management across multiple products, channels, and geographies as Abound expands. • Own and oversee the completeness, accuracy, and clarity of credit risk management information across the business. • Define and maintain standardised credit risk reporting frameworks, metrics, and definitions to ensure consistency and comparability at scale. • Coordinate inputs from product, underwriting, and data science teams into a single, coherent cross-product risk narrative. • Lead programme management for audits, funding due diligence, and other external reviews, acting as a key point of contact for funders, auditors, and advisors.

• Have around 5 years of experience in a numerate, analytical, or risk-focused role such as credit risk, finance, consulting, audit, analytics, or operations. • Have experience across one or more consumer lending products such as Unsecured Personal Loans, BNPL, Mortgages, or Auto finance. • Have experience producing, reviewing, or owning MI in a multi-product or multi-channel environment. • Have familiarity with credit risk performance metrics, portfolio monitoring, concentration analysis, and performance triggers. • Have experience working with internal risk limits and/or external covenants, triggers, or funding-related reporting. • Have strong written and verbal communication skills with the ability to present complex topics clearly to senior audiences. • Be comfortable working closely with data scientists and getting into the detail where required — without needing to be a deep data scientist yourself.

• Have experience in a scaling fintech or consumer lending environment. • Have experience managing Section 75 or similar product risk exposures. • Have experience engaging directly with funders, auditors, or lawyers on credit risk reporting.

• Own and oversee credit risk MI completeness, accuracy, and clarity across the business. • Define and maintain standardised reporting frameworks, metrics, and definitions. • Provide structured credit risk updates into Product Steering Committees and Monthly Product Forums. • Oversee monitoring of key credit performance triggers and concentration metrics. • Ensure adherence to internal risk limits and external funding-related triggers. • Identify and assess risks from new products, features, or geographies and ensure appropriate monitoring. • Proactively identify emerging risks or concentrations and drive timely escalation and remediation. • Act as a key external point of contact for funders, auditors, lawyers, and advisors.

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.

• Receive equity ownership in the company. • Work in a hybrid pattern with 3 days per week in the London office. • Take 25 days holiday plus 8 bank holidays. • Receive 2 paid volunteering days per year. • Take a one-month paid sabbatical after 4 years. • Access an employee loan, free gym membership, and a team wellness budget.

Abound is redefining consumer lending in the UK using advanced AI and Open Banking data to make fair, affordable personal finance available to more people. Having issued over £1.3bn in loans with market-leading credit performance — seeing only 3 defaults for every 10 the industry expects — and reaching profitability just 2.5 years after launch, Abound is backed by £2bn+ from Citi, GSR Ventures, and Deutsche Bank and recognised as one of Europe's fastest-growing fintechs.