Risk Analyst
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
We are looking for a proactive and detail-oriented Underwriter to join our growing team. This role is responsible for assessing consumer lending applications, making high-quality lending decisions, and ensuring customers receive fair and responsible outcomes.
We're looking for someone who goes beyond simply processing applications. The ideal candidate takes ownership, contributes ideas, supports colleagues, and actively looks for opportunities to improve how we work. You'll play an important role in helping us build a scalable, efficient, and customer-focused underwriting function.
WHAT YOU'LL BE DOING
UNDERWRITING & CREDIT ASSESSMENT
- Assess and make lending decisions on consumer loan applications in line with credit policy and lending mandates.
- Review affordability, income, Open Banking data, credit bureau information, and supporting documentation.
- Identify fraud, AML, and customer vulnerability concerns and esca...