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.

The Role

We are hiring a Head of Credit Risk and Reporting to support the Chief Risk Officer (CRO) in overseeing credit risk management across an expanding set of products, channels, and geographies. The role exists to ensure that credit and product risk is measured, monitored, and communicated in a consistent, decision-useful way as the business scales.

This is a hands-on leadership role. While it is not a deep, hands-on data science position, it does require someone who is a doer as well as a coordinator – comfortable getting into the detail of MI, asking probing questions, and driving follow-up actions through to completion. The role spans both traditional credit risk and new product risks (for example, Section 75 exposure), working closely with product teams, data scientists, and senior management.

What you'll be doing

- Support the CRO in overseeing credit and product risk management across multiple products, channels, and geographies.

- Ow...