Mortgage Underwriter

• Assess and underwrite second charge mortgage applications using Open Banking data, credit reference agency information, and supporting documentation to evaluate creditworthiness. • Make informed underwriting decisions in line with internal credit policy, FCA regulatory requirements, and responsible lending standards. • Use Abound's in-house system to process applications from a queue, and contribute system feedback for bug spotting and improvements. • Conduct fraud prevention and AML checks in line with internal controls and FCA requirements. • Manage and progress your own underwriting pipeline efficiently while maintaining service standards and growing targets.

• Have a minimum of 1 year of experience underwriting first or second charge mortgages. • Have experience with own pipeline management and working to targets. • Have experience within an FCA-regulated environment. • Have a strong understanding of responsible lending, affordability assessment, fraud prevention, and credit file assessment. • Have excellent attention to detail and sound judgement. • Have strong communication and interpersonal skills with a collaborative approach. • Be comfortable working in a growing and evolving business environment.

• Have experience across both secured and unsecured lending products. • Have experience in specialist finance or other credit environments. • Have familiarity with Open Banking data in an underwriting context.

• Underwrite second charge mortgage applications end to end using Open Banking, CRA data, and supporting documentation. • Make balanced lending decisions in line with credit policy and regulatory requirements. • Manage your own pipeline and work to growing volume targets. • Conduct fraud prevention and AML checks in line with FCA requirements. • Contribute system feedback and flag bugs or process improvements to the in-house platform team. • Support a culture of responsible lending and strong risk awareness. • Continue developing underwriting knowledge and broader lending expertise.

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 through WellHub, 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 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.