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. Our technology stack: Python (including FastAPI, SQLAlchemy, OpenTelemetry, procrastinate, Uvicorn), Postgres, MySQL, Liquibase, Retool, Docker, CI/CD pipelines, Git, RESTful APIs, and cloud infrastructure on AWS, GCP, or Azure. Our existing frontend stack includes Angular and TypeScript. Who you are: - Seven or more years of professional experience in software engineering - Strong proficiency in Python, including writing well-structured async code, type hints, and unit tests - Experience building backend services using frameworks such as FastAPI - Strong SQL skills with experience working with relational databases such as PostgreSQL or MySQL - Experience designing and maintaining RESTful APIs - Experience building or maintaining automation and integrations that support financial or operational workflows - Experience working with message queues or background job systems - Proficiency with Git and collaborative development workflows - Experience working with containerised environments such as Docker and CI/CD pipelines - Basic knowledge of cloud infrastructure, with hands-on experience in at least one of AWS, GCP, or Azure - Comfortable collaborating directly with business stakeholders to understand requirements and translate them into practical technical solutions - Comfortable working in fast-paced environments where accuracy, reliability, and clear communication are essential - Experience maintaining codebases for business-critical systems - Practical interest in applying AI tools and LLM-based capabilities to real product or operational problems - Experience integrating third-party AI APIs or building AI-assisted internal tools is a strong plus - Ability to evaluate where AI adds value, and where conventional software or workflow automation is the better solution - Knowledge of lending products and lending operations is a major advantage - Awareness of financial concepts, accounting flows, or reconciliation processes is a plus What you'll be doing: - Design and develop new Python services and backend features that automate and support core financial operations, such as payments, reconciliations, and reporting - Participate in the full software development lifecycle, from design and implementation to testing, deployment, and monitoring - Own part of the platform and be responsible for the smooth operation of associated business processes and their KPIs - Collaborate closely with Product, Design, and business users to understand, challenge, and refine requirements - Provide second-line support during business hours, helping to troubleshoot and resolve system issues that impact customers - Support junior engineers through PR reviews and pairing - Apply strong SQL skills to troubleshoot and improve the performance of data management and retrieval across our databases - Identify opportunities to use AI in pragmatic ways, whether to improve internal tooling, automate manual workflows, or enhance product capabilities - Build and maintain AI-assisted features and integrations in a reliable, observable, and cost-conscious way - Work with stakeholders to prototype, test, and iterate on AI-enabled workflows, while keeping a strong engineering bar for quality, safety, and maintainability - Help establish practical patterns for using AI in production, including structured outputs, evaluation, fallback handling, and human review where appropriate 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