Legal Counsel Regulatory

• Join Abound’s Legal and Compliance team as Regulatory Counsel, working hybrid from London 3 days a week. • Bring Consumer Credit Act and FCA CONC expertise to a fast-growing fintech lender. • Prepare submissions to the FCA and advise senior leadership on regulatory risk. • Draft and maintain plain-English customer credit documentation across the loan lifecycle. • Help Abound enter new markets and launch new products. • Support broader legal work in a small, hands-on legal team.

• Hold a qualification as a UK solicitor. • Bring knowledge and experience of the Consumer Credit Act and the FCA Handbook, including CONC. • Write and speak clearly and precisely. • Evaluate risk and propose sensible, risk-based actions. • Negotiate with external parties to reach acceptable outcomes. • Work well as a strong team player.

• Know the Payment Services Directive as it relates to consumer lending. • Bring experience preparing FCA applications such as Appointed Representative or waiver requests. • Show experience advising on market entry in new geographies. • Bring experience negotiating commercial agreements and supplier contracts.

• Draft FCA submissions such as Appointed Representative applications, waiver requests and new permission applications. • Identify legal and regulatory issues for new products, markets and geographies. • Draft and maintain credit agreements, PCCI, statements, NOSIAs and Default Notices. • Manage document versioning and check documents are deployed accurately in production. • Advise the CCO and senior management on regulatory risks and mitigations. • Commission and manage external legal advice. • Help negotiate commercial agreements, supply terms and NDAs. • Support compliance monitoring, including detailed loan-by-loan reviews.

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 so you own a piece of the company. • Work hybrid with 3 days a week in the office. • Take 25 days’ holiday plus 8 bank holidays and 2 paid volunteering days. • Get a one-month paid sabbatical after 4 years. • Access an employee loan and free gym membership. • Use a team wellness budget for activities such as yoga, tennis or bouldering.

Abound is a UK consumer lender using AI and Open Banking data to make fair, affordable personal finance available to more people. It has issued over £1.3 billion in loans with market-leading credit performance and reached profitability just 2.5 years after launch. Backed by £2 billion+ in funding from investors including Citi and Deutsche Bank, Abound is one of Europe’s fastest-growing fintechs.