Head of Credit Risk

• Support the Chief Risk Officer in overseeing credit risk management across an expanding set of products, channels, and geographies as the business scales. • Own and oversee the completeness, accuracy, and clarity of credit risk management information across the business. • Take on a hands-on leadership role spanning both traditional credit risk and new product risks, working closely with product teams, data scientists, and senior management.

• Bring around 5 years of experience in a numerate, analytical, or risk-focused role such as credit risk, finance, consulting, audit, analytics, or operations. • Have experience across one or more consumer lending products such as Unsecured Personal Loans, BNPL, Mortgages, or Auto finance. • Have experience producing, reviewing, or owning MI in a multi-product or multi-channel environment. • Be familiar with credit risk performance metrics, portfolio monitoring, concentration analysis, and performance triggers. • Have experience working with internal risk limits and/or external covenants, triggers, or funding-related reporting. • Have strong written and verbal communication skills with the ability to present complex topics clearly to senior audiences. • Be comfortable working closely with data scientists and getting into the detail where required without needing to be a deep data scientist yourself. • Be rigorous, disciplined, and hands-on with a strong sense of ownership and accountability. • Be highly organised with strong execution and stakeholder management skills. • Be credible and composed when engaging with senior management and external counterparties.

• Have experience with Section 75 exposure or similar new product risk types beyond traditional credit risk. • Bring experience acting as a point of contact for funders, auditors, lawyers, and advisors on credit and product risk reporting. • Have experience leading programme management for audits, funding due diligence, and external reviews. • Have experience defining and maintaining standardised credit risk reporting frameworks and metrics across multiple geographies.

• Support the CRO in overseeing credit and product risk management across multiple products, channels, and geographies. • Own and oversee the completeness, accuracy, and clarity of credit risk management information across the business. • Define and maintain standardised credit risk reporting frameworks, metrics, and definitions to ensure consistency and comparability as the business scales. • Coordinate inputs from product, underwriting, and data science teams into a single, coherent cross-product risk narrative. • Provide clear, structured credit risk updates into Product Steering Committees and Monthly Product Forums. • Oversee the monitoring and reporting of key credit performance triggers and concentration metrics. • Ensure adherence to internally defined risk limits and externally defined triggers arising from funding arrangements. • Identify and assess risks arising from new products, features, or geographies and ensure appropriate monitoring is in place. • Proactively identify emerging risks or concentrations and ensure timely escalation and remediation. • Lead programme management for audits, funding due diligence, and other external reviews. • Act as a key point of contact for funders, auditors, lawyers, and advisors on credit and product risk reporting.

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.

• Receive equity ownership in the company. • 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. • Access an employee loan benefit. • Receive free gym membership. • Enjoy a team wellness budget for group activities.

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.