Senior Second Charge Mortgage Underwriter

• Help build and shape the future of Abound's secured lending business as an experienced Second Charge Mortgage Underwriter, bringing together customer and property underwriting into a single, modern function. • Be the go-to person for all things second charge, underwriting customers using the in-house system Render powered by Open Banking and helping shape the development of the property side of the platform. • Work closely with Underwriting, Product, Technology, and Data Science teams in a fast-paced startup environment, thinking commercially while delivering good customer outcomes.

• Bring a minimum of 5 years of experience in second charge mortgages, with this experience being England-based. • Have expert-level understanding of property as security including valuation approaches, equity position, LTV and combined LTV calculations, existing charge structures, and title issues. • Have strong working knowledge of FCA regulation, UK responsible lending rules, affordability assessment, MCOB requirements, fraud prevention, and AML regulations, with the credibility to interpret and apply these commercially. • Have a proven track record in manual underwriting of complex, high-value, and non-standard cases with the judgement to make balanced decisions beyond a tick-box approach. • Have demonstrated experience shaping or influencing underwriting policy with a strong understanding of how policy translates into practical day-to-day decision-making. • Have experience contributing to the build-out or scaling of an underwriting function, process, or team, comfortable operating with a degree of ambiguity in a growing business. • Be able to manage competing priorities effectively and perform well under pressure in a fast-evolving environment. • Be comfortable working to targets, driving month-on-month growth as the book expands.

• Have prior experience in a senior, lead, or team management capacity. • Hold relevant industry qualifications such as CeMAP, CeRER, DipFA, or equivalent. • Have experience supporting the recruitment, training, and development of underwriters. • Have experience working with Open Banking data as part of mortgage underwriting decisions.

• Take full ownership of complex and high-value second charge mortgage applications, working to targets and annual year-end goals. • Assess Open Banking data, credit reference agency information, and supporting documentation to make sound, commercially balanced lending decisions. • Act as the senior point of escalation for underwriting queries, setting the standard for how judgement is applied across the team. • Shape and evolve underwriting policy for second charge lending, ensuring it remains commercially sound, competitive, and aligned with regulatory requirements as the product scales. • Partner closely with product and technology teams to design and refine the property assessment capabilities within Render, bringing underwriting expertise to how property risk is evaluated and processed. • Identify opportunities to improve underwriting efficiency and quality, using data and case trends to refine policy and process over time. • Support the recruitment, training, and development of underwriters as the team expands, helping to instil a culture of sound judgement over box-ticking. • Work cross-functionally with Risk, Compliance, and Operations to ensure underwriting practices support both growth and good customer outcomes. • Contribute to management information and reporting, providing insight into underwriting performance, trends, and risk exposure to senior stakeholders.

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 through WellHub. • 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.