Second Charge Mortgage Underwriter

• Join Abound’s underwriting team as a Second Charge Mortgage Underwriter, working hybrid from London 3 days a week. • Help a successful fintech lender expand into secured lending. • Bring Open Banking and AI into the secured lending process to save customers money. • Underwrite complex, high-value and non-standard second charge mortgage cases. • Work Monday to Friday, 9am to 6pm, in a startup environment with real progression opportunities. • Help shape underwriting policy and process as the product grows.

• Bring at least 2 years’ experience in second charge mortgages. • Work comfortably to targets and drive month-on-month growth. • Understand property as security, including valuations, equity, LTV, combined LTV, existing charges and title issues. • Know FCA regulation, responsible lending rules, affordability assessment and MCOB requirements. • Understand fraud prevention and AML regulations and apply them commercially. • Show a proven track record of manual underwriting for complex, high-value and non-standard cases.

• Hold an industry qualification such as CeMAP, CeRER or DipFA. • Bring experience using Open Banking data in affordability assessments. • Show experience with vulnerable customer and Consumer Duty requirements. • Bring experience working in a fintech or startup lender.

• Assess second charge mortgage applications using Open Banking, affordability, credit history and property details. • Liaise with brokers, request information and progress cases to completion within SLA. • Document every decision so it meets FCA and internal compliance standards. • Give clear feedback to brokers and sales teams on declined or conditioned cases. • Help improve underwriting policy, criteria and processes as the book matures. • Work with Risk, Compliance and Operations to support growth and good customer outcomes.

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, Monday to Friday, 9am to 6pm. • 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.