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.

Your Graduate Scheme (AI Engineering Route)

• There will be opportunities to work on projects ranging from our core AI-powered customer operations to new agentic workflows and automation products that we're just getting off the ground

• You'll work cross-functionally with our UK and Shenzhen engineering teams, as well as risk, compliance, and customer operations teams

• You'll start shipping code from week one, and learn by doing

• You will join our AI Engineering team and might be contributing by

  • Building Generative AI and AI agent solutions for customer operations, internal automation, and lending operations

  • Designing prompts, workflows, and evaluation processes to make AI systems more reliable and useful

  • Integrating LLMs with internal tools, APIs, databases, and business systems

  • Writing clean, scalable, and maintainable Python code for real production use cases

• Mentorship Program: pair with senior engineers throughout the scheme

• Bi-annual technical reviews and career progression planning

• Real Impact: See your AI systems go live and directly improve customer operations, risk workflows, and lending decisions for thousands of customers

Who You Are

• You believe that learning is the most important thing to optimise for as you start your career, and want to learn by doing at the fastest growing fintech in London

• You like using AI to solve complex, real-world problems, not just build demos

• You thrive when given ownership, and autonomy

• You also want to learn about the commercial impact of any technical changes you make

• A recent (or soon-to-be) graduate with a degree in a technical or quantitative field (e.g. Computer Science, AI/Machine Learning, Statistics, Engineering or Mathematics - STEM field)

• Programming: Proficiency in Python or similar languages or a good understanding of computer science and eagerness to learn and perform in Python based technologies.

• Understanding and genuine interest in Generative AI concepts, including LLMs, embeddings, RAG, prompt engineering, structured outputs, and model limitations

Why Join Us

• Learn from experienced AI Engineers, and product leaders in a flat, fast-paced team

• A chance to shape the future of credit using the latest Generative AI and agentic technologies

• A collaborative, diverse, flexible culture that values growth, ownership, and keeping our customers first in all of our engineering

• Position yourself at the forefront of the AI and financial services revolution

• Exceptional promotion opportunities from rapid company growth

What We Offer

• 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

• Free gym membership

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

The Interview Process:

• Take Home Test (20-30 mins)

• Remote (video call) Technical Interview (1 hour)

• In-person interview day where you'll meet 3-4 people across Engineering and Senior Leadership (1.5 hours)

Scheme details:

• Our graduate scheme runs for one year, with the opportunity to convert to a permanent role based on performance

• Start date: Late September – Early October 2026 (TBC)

Please note: we are unable to offer visa sponsorship for this role.