Legal Counsel Regulatory

• Join a fast-growing fintech consumer lender that's scaling up, entering new markets, and introducing new products. • Prepare submissions to the FCA and others and advise senior leadership on regulatory risk. • Draft, implement, and monitor legally robust, plain-English templates and ensure live documents match approved versions.

• Be a qualified UK Solicitor. • Be knowledgeable and experienced in the areas of Consumer Credit Act and FCA Handbook including CONC. • Have excellent written and verbal skills. • Have strong ability to evaluate risk and propose risk-based actions. • Have the ability to negotiate with external parties and reach acceptable outcomes. • Have strong team-player qualities.

• Have knowledge of the Payment Services Directive where relevant to consumer lending activities.

• 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. • Identify and communicate key legal and regulatory matters for new products, markets, and geographies being considered. • Ensure decisions about new markets are well-informed and that subsequent entry is well-managed. • Draft and maintain customer credit documentation across the lifecycle including credit agreements, PCCI, adequate explanations, statements, and notices such as NOSIAs and Default Notices. • Maintain suite of customer documentation, managing versioning and approvals, and check accurate deployment into production. • Provide clear, pragmatic advice to the CCO and senior management on risks and mitigations, log actions and drive them to closure. • Commission advice from legal and other advisers on discrete questions, track progress, and capture learning back into templates and guidance. • Work with a more senior lawyer to prepare, review, and negotiate commercial agreements governing entry into new markets and introduction of new products. • Review and negotiate supply terms for products and services essential to the business and review and negotiate NDAs. • Work with the Compliance team to help identify key compliance risks and where needed monitor and control these risks.

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.