Graduate Data Scientist

• Join a one-year graduate scheme within the Data Science team, working across the entire business from new products to core credit decisioning to user acquisition. • Get exposure to a wide range of projects including AI and machine learning development, Open Banking integrations, product development, and credit risk analytics. • Learn by doing at one of the fastest-growing fintechs in London with the opportunity to convert to a permanent role based on performance.

• Be a recent or soon-to-be graduate with a degree in a technical or quantitative field such as Data Science, Statistics, Mathematics, Engineering, or Economics. • Be proficient in Python or similar programming languages. • Have a genuine interest in financial technology and how AI can solve real-world problems. • Have strong communication skills and the ability to work in cross-functional teams. • Believe that learning is the most important thing to optimise for at the start of your career. • Enjoy getting hands dirty and using technology to solve complex problems. • Want to learn about the commercial impact of any technical changes you make.

• Have experience with machine learning frameworks or transformer models. • Bring familiarity with Open Banking data or transaction classification. • Have exposure to credit risk analytics, portfolio monitoring, or impairment measurement. • Have experience with data analysis in a financial services or fintech context.

• Work directly on Abound's proprietary loan decision platform Render, contributing to transformer models that allow the company to outperform the market in loan performance. • Enhance how noisy, real-time transaction data is transformed into automated lending decisions through Open Banking integrations and classification. • Participate in rapid feature development cycles with direct impact on customer experience and business outcomes. • Analyse how the loan book performs over time and how it is funded at scale, working across portfolio monitoring, impairment measurement, and risk analytics behind funding. • Participate in bi-annual technical reviews and career progression planning. • Gain cross-functional exposure to risk, compliance, underwriting, and product teams.

Abound is one of the most exciting fintech stories in the UK right now. In just five years, the co-founders have built a profitable, fast-growing lending platform that was named the UK's number one fastest-growing tech company by The Sunday Times in 2026, with nearly 500% annual revenue growth. The company generated £69 million in revenue and £9 million in profit before tax in 2024, which is remarkable given that, among the top 15 high-growth UK companies tracked by Sifted, Abound was the only profitable one. They have secured £2.2 billion in lending capacity from Citi, Deutsche Bank, Waterfall, and others, and have been listed among the top 250 global fintechs by CNBC. What makes Abound especially interesting as a place to work is the leadership pedigree: Gerald Chappell was previously a Partner at McKinsey and EY, where he led digital lending and credit analytics solutions globally, while Dr Michelle He was a Director at EY with a PhD in machine learning. The broader leadership team brings experience from Goldman Sachs, Citi, Airbnb, and other major institutions. The UK Glassdoor entity sits at 4.6/5, with every single employee recommending it to a friend. What comes through in reviews is the flat structure, data-driven culture, quick career progression, and the chance to learn directly from seriously experienced leaders. Everyone gets equity ownership, a 30-day paid sabbatical after 4 years, a free WellHub membership, and plenty of team socials. A couple of things worth knowing: some Glassdoor reviews flag high targets and performance pressure, and Abound runs a hybrid model from its London offices rather than being fully remote. That said, if you want to be part of a profitable, rapidly scaling UK fintech where your work has a real impact on making credit fairer for millions of people, Abound is a brilliant place to do it.

• Work hybrid with 3 days a week in the London office. • Receive 25 days holiday a year plus 8 bank holidays. • Take 2 paid volunteering days per year. • Receive one month paid sabbatical after 4 years. • Receive free gym membership. • Enjoy a team wellness budget for group activities. • Receive bi-annual technical reviews and career progression planning. • Have the opportunity to convert to a permanent role based on performance.

Abound is redefining consumer lending in the UK and beyond using advanced AI and Open Banking data to make fair, affordable personal finance available to more people. Rather than relying almost entirely on credit scores, Abound looks at the full financial picture to build a deeper understanding of each customer's situation. Having issued over £1.3bn in loans directly to customers with market-leading credit performance, the company reached profitability just 2.5 years after launch. Backed by £2bn+ of funding from investors including Citi, GSR Ventures, and Deutsche Bank, Abound is recognised as one of Europe's fastest-growing fintechs.