Senior Credit Strategy Manager

• Lead the growth and performance of Abound's Express / Mid-prime segment, one of the highest-priority areas, owning the credit strategy that makes profitable scaling possible. • Operate at the intersection of credit risk and commercial strategy, making better decisions on who to serve, how to quote and offer at the point of acquisition, how to underwrite, and how to grow profitably at pace. • Balance building a portfolio of genuinely good credit quality while taking volume up by an order of magnitude in the higher-APR mid-prime space (30%–50% APR).

• Bring significant experience in credit risk, credit strategy, or portfolio management within consumer lending in a role where you were accountable for commercial outcomes and not only reporting. • Have direct, hands-on experience in higher-APR unsecured personal lending, typically in the 30%–50% APR range, with customers acquired through price-comparison and aggregator marketplaces. • Have a strong, practical understanding of adverse selection in marketplace-acquired lending and the levers that mitigate it including offer and pricing strategy, eligibility design, and decisioning. • Have experience working with data science teams to adjust, recalibrate, and retrain credit models for a specific customer segment, understanding why models built for prime or adjacent populations do not transfer unchanged. • Have a proven ability to balance risk appetite, approval rates, losses, pricing, and growth objectives while scaling volume materially and protecting credit quality. • Have experience using analysis and portfolio insight to influence business and strategy decisions, not just to report on outcomes. • Have experience across one or more consumer lending products such as Unsecured Personal Loans, BNPL, credit cards, or adjacent products. • Have strong written and verbal communication skills with the ability to present clearly and credibly to senior stakeholders. • Be comfortable working closely with data scientists and analytical teams.

• Have experience with Open Banking and cashflow underwriting as opposed to credit-score-only decisioning. • Bring experience supporting external reviews, audits, funding discussions, and due diligence in relation to portfolio performance and credit strategy. • Have experience contributing to governance forums with structured updates on portfolio performance, strategy effectiveness, and key risk themes. • Have experience defining metrics, monitoring, and risk reporting frameworks for a specific lending segment.

• Own the design, execution, and ongoing refinement of credit strategy for the Express / Mid-prime segment with direct accountability for the balance between growth and credit quality. • Lead how customers are quoted and offered across aggregator and price-comparison marketplaces, optimising risk-based pricing, eligibility, and offer presentation to win the right customers at the point of acquisition. • Understand and actively manage adverse selection in marketplace-acquired lending, designing offer, pricing, and decisioning strategy to attract the right customers and screen out unwanted risk. • Partner with data science to ensure credit models are properly calibrated, adjusted, and retrained for the specific dynamics of this population. • Use credit risk insight and commercial judgement to optimise portfolio economics, balancing growth, loss rates, approval rates, pricing, and customer quality so the segment scales profitably. • Monitor portfolio performance across the customer lifecycle, identifying emerging trends, risks, and opportunities within the Express / Mid-prime population. • Shape underwriting strategy, segmentation, credit policy, and decisioning logic in partnership with risk, product, and data science teams. • Evaluate the impact of strategy and pricing changes and translate analysis into clear recommendations for action. • Own the quality, clarity, and usefulness of management information and performance reporting for the segment. • Partner with product, commercial, and data teams to assess new initiatives, customer segments, product changes, and growth opportunities through a credit risk lens. • Identify and escalate emerging risks, adverse trends, or concentration issues while highlighting opportunities to improve strategy performance. • Contribute to governance forums and senior discussions with clear, structured updates on portfolio performance, strategy effectiveness, and key risk themes. • Support external reviews, audits, funding discussions, and due diligence where required.

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.