Underwriter

• Assess credit risk and ensure lending decisions are made in line with underwriting policies and regulatory requirements. • Work at a fintech redefining consumer lending in the UK using advanced AI and Open Banking data. • Benefit from a competitive bonus scheme offering additional earnings of up to 20% per month.

• Be an experienced underwriter who performs well in a high-standards, fast-paced environment. • Have a minimum of two years' proven underwriting experience. • Be target-driven with a clear understanding of and commitment to shared team and business objectives. • Be a collaborative team member who supports colleagues beyond your immediate remit. • Have a strong understanding of fraud, AML, and customer vulnerability with a high level of attention to detail and the ability to identify emerging risk trends. • Possess solid IT and numerical skills alongside clear written English and effective communication. • Be highly organised with strong pipeline, time-management, and prioritisation skills. • Have a consistently strong work ethic.

• Have experience with Open Banking data. • Have experience in consumer lending or fintech. • Have experience with unsecured credit applications.

• Assess unsecured credit applications using Open Banking data and credit reference agency information to evaluate creditworthiness and support responsible lending decisions. • Contribute to the development and ongoing improvement of underwriting processes and procedures. • Conduct fraud prevention and AML checks in line with regulatory and internal requirements. • Apply underwriting policies and procedures consistently and accurately. • Liaise with customers to obtain, verify, and document information where required. • Work independently while proactively developing your knowledge and skills. • Manage and progress your own underwriting pipeline effectively.

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 £35,000 to £42,000 salary plus equity and monthly performance bonus up to 20%. • Work Monday to Thursday shifts with one Saturday a month and 2 Bank Holiday days a year. • 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.