About Abound

We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.

And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.

Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.

About the Team

We are a successful underwriting team going from strength to strength, helping to lead the business in a time of rapid growth. We are looking for an underwriter to expand our team. Someone who is fast-thinking, diligent, and keen to change the way of lending for everyone. Employees who are driven to meet individual performance targets and understand the importance of meeting our bigger company goals.

We seek like-minded, hardworking, and responsible individuals who want to build careers with a new start-up brand. In this unique position, you will be relied on to produce high-quality decisions and provide improvement feedback on the systems and processes in use.

We pride ourselves on bringing affordable lending to the market whilst making the right decisions based on the customer spending rather than their credit reports. Our determination, approach, and resourcefulness set us apart from our competitors. Having recently expanded our product range, underwriters must be adaptable and detail-oriented. We process over 30 applications daily while continuously building and refining our processes.

We have an open plan office near Tower Bridge and encourage the lateral communication of different departments to bolster individual expertise, knowledge growth, and collaborative support where you can apply your experience and skill set to help develop and improve aspects of the business and yourself.

How we work:

Shifts: Monday-Friday (shift patterns) TBC

One Saturday a month- returned in Overtime or time in lieu.

Bank holidays – Two bank holidays per year- returned in Overtime or time in lieu.

Who you are:

• Minimum 2 years’ experience in a credit underwriting environment

• Target-driven with an understanding and desire to achieve our goals

• Commercial lending experience will be an advantage

• Experienced in working with near-prime lending, or a start-up environment would be a plus

• Compliant to credit policy and procedures and changes

• The ability to adapt to a fast-changing environment

• Enjoy working as part of a team

• Customer First’ attitude

• Excellent written and verbal communication skills

• Exceptional organizational skills

• A strong work ethic

• Strong time management

What you'll be doing:

• Make decisions on new unsecured personal loan applications using our cutting-edge credit decision technology

• Carry out an in-depth analysis of Open Banking results

• Assess customer affordability and ascertain their creditworthiness

• Shape the processes and procedures we use in underwriting to continue to make them better

• Review and evaluate credit reports

• Carry out Fraud and AML checks

• Follow underwriting policy and procedures

• Liaise with customers to capture information and document where necessary

• Ability to work independently and take steps to enhance own knowledge when required.

• Provide support to other team members and to wider departments

• Work in a queue and strong pipeline management

• Produce high-level quality work and use your excellent attention to detail

What we offer:

• Everyone owns a piece of the company - equity

• Hybrid with 3 days a week in the office

• 25 days’ holiday a year, plus 8 bank holidays

• 2 paid volunteering days per year

• One month paid sabbatical after 4 years

• Employee loan

• Free gym membership

• Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering