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. Your grad Scheme( Data Science Route) - Our Data Science team works across our entire business, from new products, to core credit decisioning, to user acquisition - You'll get exposure to a wide range of projects, such as: - AI & Machine Learning Development: work directly on our proprietary loan decision platform, Render, contributing to the transformer models that allow us to outperform the market in loan performance - Open Banking Integrations and Classification: enhancing how we transform noisy, real-time transaction data into automated lending decisions - Product Development: participate in rapid feature development cycles, with direct impact on customer experience and business outcomes - Credit Risk Analytics: analyse how our loan book performs over time and how we fund it at scale, working across portfolio monitoring, impairment measurement, and the risk analytics behind our funding. - Bi-annual technical reviews and career progression planning - Cross-functional exposure to risk, compliance, underwriting and product teams 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 getting your hands dirty and using tech to solving complex problems - 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. Data Science, Statistics, Mathematics, Engineering, Economics) - Programming: Proficiency in Python or similar languages - Genuine interest in financial technology and how AI can solve real-world problems - Strong communication skills and ability to work in cross-functional teams Why join us - Meaningful, high-impact work from day one - Learn from experienced data scientists, engineers, and product leaders in a flat, fast-paced team - A chance to shape the future of credit using the latest tools in data and machine learning - A collaborative, diverse, flexible culture that values growth, ownership, and doing the right thing for our customers - Position yourself at the forefront of the 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 mins) - Remote (video call) Technical Interview(1 hour) - In-person interview day where you'll meet 3-4 people across Data Science 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.