Risk Data Analyst

• Be the deep, hands-on analytical engine within the Credit Risk & Reporting team. • Own the detail behind credit risk management information, building and interrogating SQL queries, developing dashboards, and translating raw performance metrics into clear, actionable insights. • Work closely with the Head of Credit Risk & Reporting and the CRO to ensure portfolio performance, triggers, concentrations, and product-level risks are well understood and clearly articulated.

• Have 1-2 years' experience in credit risk, portfolio analytics, or a similar analytical role, or equivalent experience through studies. • Have strong SQL skills and experience working directly with large datasets. • Have experience building or maintaining dashboards such as QuickSight, Tableau, Power BI, or Looker. • Have strong understanding of consumer credit performance metrics including arrears curves, roll rates, PD, loss rates, and concentrations. • Be a hands-on, detail-oriented credit risk analyst who enjoys working directly in the data. • Be highly numerate, structured, and intellectually rigorous. • Be comfortable owning both the accuracy of numbers and the interpretation behind them. • Be curious and proactive, interrogating metrics with a visceral feel for the data. • Be able to translate complex analysis into clear, commercially relevant insights. • Be comfortable working closely with senior stakeholders while maintaining analytical independence.

• Have experience across one or more lending products such as Unsecured Personal Loans, BNPL, Mortgages, or Auto finance. • Have exposure to funding-related reporting, covenants, or performance triggers. • Be comfortable working alongside data scientists and understanding model outputs.

• Own the detailed production, validation, and enhancement of credit risk MI across products, channels, and geographies. • Write and optimise SQL queries to extract, reconcile, and analyse portfolio performance data. • Develop and maintain dashboards covering credit performance, arrears, defaults, roll rates, concentrations, and risk triggers. • Analyse performance trends and identify emerging risks, concentrations, or behavioural shifts. • Support monitoring of internally defined risk limits and externally defined triggers arising from funding arrangements. • Provide deep-dive analysis to answer complex or ad hoc questions from the Head of Credit Risk & Reporting, CRO, Product teams, auditors, and funders. • Generate actionable insights to inform product decisions, risk appetite calibration, and policy refinement. • Work closely with other data scientists to reconcile model outputs with realised performance and explain portfolio dynamics. • Contribute to audits, due diligence processes, and external reporting by ensuring data accuracy and analytical robustness.

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. • Play a visible role in shaping risk appetite and product decisions. • Collaborate closely with the Head of Credit Risk & Reporting and the CRO.

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.