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 Graduate Scheme (Software Engineering Route) - There will be opportunities to work on projects ranging from our core, market-leading product to new products and markets that we're just getting off the ground - You'll also have chances to work cross-functionally with our data science, risk, compliance, underwriting and product teams - You'll start shipping code from week one, and learn by doing - You will rotate through various backend-focused teams and might be contributing by - Implementing business logic for our core business (Abound) and new products - Create internal and customer facing endpoints with FastAPI to integrate with our frontends and external clients - Integrate with external APIs to improve our credit-decisioning and payment processing - Working with Postgres or MySql databases to handle customer data safely and efficiently - Product Development: participate in rapid feature development cycles for new products, and see the direct customer and commercial impacts of your work - Mentorship Program: pair with senior engineers and rotate through different teams - Bi-annual technical reviews and career progression planning - Real Impact: See your code go live and directly affect lending decisions for thousands of customers who struggle with traditional banking. 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 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, 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. - 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 - Learn from experienced Software Engineers, and product leaders in a flat, fast-paced teams. - A chance to shape the future of credit using the latest Python based technologies such as FastAPI. - 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 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.