Abound is a UK fintech that uses Open Banking and its proprietary Render platform to perform AI-driven cashflow underwriting for consumer lending and white-label B2B underwriting services.
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 role The data science team, currently 11 members, focuses on pricing, classification of open banking data and credit decisioning. All data scientists actively contribute to building Render and adapting it to different use cases and products, by being directly embedded in the tech team. As we launch in Spain, we're hiring our first local data scientist to build out the credit risk model for the Spanish market, working closely with both our local Spanish team and our London-based Data Science team. What you'll be doing - Work with our local Head of Credit Risk to build and develop the local credit risk model for the Spanish market, from initial development through to ongoing iteration and performance monitoring - Evaluate, select and integrate local data providers (bureau, Open Banking, alternative data) to power credit decisioning in Spain - Own reporting for the Spanish business: designing the dashboards, metrics and analytics infrastructure that give the team visibility into portfolio performance, risk and affordability - Work closely with the London-based data science team to adapt Render to the Spanish market, sharing methodology, code and lessons learned across geographies - Collaborate with cross-functional teams (e.g. product, finance, collections, underwriting, and the local credit risk and country leads) to translate data insights into pioneering solutions that drive product strategy and growth in Spain - Stay abreast of industry trends in AI, machine learning, and fintech to drive innovation Who you are: - You have an advanced degree (Master's or Ph.D.) in Data Science, Machine Learning, Statistics, or a related field - You’ve got 3+ years of experience in a data science role. Credit risk or finance experience is a plus but not required, as you'll be supported by strong local expertise from our credit risk lead and country director - Strong SQL & Python skills and experience working directly with large datasets - You have a strong background in statistical modelling, machine learning algorithms, and data mining techniques - You're passionate about leveraging AI and data to improve financial inclusion and access to fair credit - You have excellent communication skills and can translate complex data insights for both technical and non-technical stakeholders, and are comfortable working across English and Spanish - You're adaptable, innovative, and thrive in a fast-paced, high-growth environment - ·Experience with AWS is a plus