Senior Second Charge Mortgage Underwriter

• Join a growing underwriting team as an experienced Senior Mortgage Underwriter, helping build and scale the secured lending proposition. • Join a newly formed team working on a new second charge mortgage product within Abound, shaping the underwriting process and influencing how policy is applied. • Independently assess and underwrite both standard and complex second charge mortgage applications in line with credit policy, UK regulatory requirements, and responsible lending standards. • Review credit data, affordability, income, and property security, making fair, informed, and defensible decisions rather than following a tick-box process. • Help improve processes, suggest new ideas, mentor less experienced colleagues, and shape how the function develops over time.

• Bring a minimum of 5 years of UK-based experience underwriting first or second charge mortgages. • Bring a strong understanding of working within FCA-regulated, UK responsible lending rules, affordability assessment, MCOB requirements, fraud prevention, and AML regulations. • Show demonstrated experience in manual underwriting and assessing complex cases. • Bring excellent attention to detail and sound commercial judgement. • Communicate strongly with good interpersonal skills and a collaborative approach. • Manage workloads effectively and perform well under pressure. • Stay comfortable working in a growing and evolving business environment.

• Hold relevant industry qualifications such as CeMAP, CeRER, DipFA, or equivalent. • Bring experience within specialist, non-prime, or adverse credit lending. • Have exposure to both secured and unsecured lending products. • Have worked with Open Banking data in an underwriting context.

• Assess standard and complex second charge mortgage applications using Open Banking data, credit reference agency information, and supporting documentation to evaluate creditworthiness and risk. • Act as a go-to expert, making informed, independent underwriting decisions in line with internal policies and UK regulatory requirements. • Contribute to the development and continuous improvement of underwriting policies, processes, and procedures. • Review escalated cases, provide guidance, and ensure consistent application of credit rules across the team. • Conduct thorough fraud prevention and AML checks in line with internal controls and FCA requirements. • Liaise with customers, brokers, solicitors, and internal stakeholders to obtain, verify, and explain information where required. • Manage and progress your own underwriting pipeline efficiently while maintaining high service and quality standards. • Mentor and support junior team members, sharing knowledge and best practice, and support a culture of responsible lending and strong risk awareness.

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 through equity. • 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. • Access an employee loan. • Enjoy free gym membership through WellHub. • Tap a team wellness budget to be active together, whether that's a yoga class, a tennis lesson, or bouldering.

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.