Legal Counsel Regulatory

• Join a small legal team at a fast-growing fintech consumer lender as Regulatory Counsel with strong Consumer Credit Act and FCA CONC experience. • Prepare submissions to the FCA and others, advise senior leadership on regulatory risk, and draft legally robust, plain-English customer documentation. • Support scaling into new markets and product lines while assisting with broader legal work across the business.

• Be a qualified UK Solicitor. • Be knowledgeable and experienced in the Consumer Credit Act and FCA Handbook including CONC. • Have excellent written and verbal communication skills. • Have strong ability to evaluate risk and propose risk-based actions. • Be able to negotiate with external parties and reach acceptable outcomes. • Be a strong team player willing to assist with broader legal work beyond your core regulatory specialism.

• Have knowledge of the Payment Services Directive where relevant to consumer lending activities. • Bring experience drafting FCA submissions such as Appointed Representative/IAR applications, waiver/modification requests, and applications for new permissions. • Have experience drafting and maintaining consumer credit documentation across the lifecycle including credit agreements, PCCI, adequate explanations, and statutory notices. • Have experience working in a fintech or startup legal team.

• Draft submissions and supporting materials to a high standard such as Appointed Representative/IAR applications, waiver/modification requests, and applications for new permissions, liaising with external counsel where needed. • Identify and communicate key legal and regulatory matters for new products, markets, and geographies, ensuring decisions about new markets are well-informed and entry is well-managed. • Draft and maintain customer credit documentation across the lifecycle including credit agreements, PCCI, adequate explanations, statements, and notices such as NOSIAs and Default Notices. • Maintain the suite of customer documentation, managing versioning and approvals, and check accurate deployment into production. • Provide clear, pragmatic advice to the CCO and senior management on risks and mitigations in your area, logging actions and driving them to closure. • Commission advice from legal and other advisers on discrete questions, track progress, and capture learning back into templates and guidance. • Work with a more senior lawyer to prepare, review, and negotiate commercial agreements governing entry into new markets and introduction of new products. • Support broader compliance activities by working with the Compliance team to identify key compliance risks and where needed monitor and control these risks.

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.