Abound

Develop AI engineering skills through a graduate scheme, building generative AI applications, LLM-powered solutions, and automation tools for fintech products and operations.About AboundWe’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.Your Graduate Scheme (AI Engineering Route)There will be opportunities to work on projects ranging from our core AI-powered customer operations to new agentic workflows and automation products that we're just getting off the groundYou'll work cross-functionally with our UK and Shenzhen engineering teams, as well as risk, compliance, and customer operations teamsYou'll start shipping code from week one, and learn by doingYou will join our AI Engineering team and might be contributing byBuilding Generative AI and AI agent solutions for customer operations, internal automation, and lending operationsDesigning prompts, workflows, and evaluation processes to make AI systems more reliable and usefulIntegrating LLMs with internal tools, APIs, databases, and business systemsWriting clean, scalable, and maintainable Python code for real production use casesMentorship Program: pair with senior engineers throughout the schemeBi-annual technical reviews and career progression planningReal Impact: See your AI systems go live and directly improve customer operations, risk workflows, and lending decisions for thousands of customersWho You AreYou believe that learning is the most important thing to optimise for as you start your career, and want to learn by doing at the fastest growing fintech in LondonYou like using AI to solve complex, real-world problems, not just build demosYou thrive when given ownership, and autonomyYou also want to learn about the commercial impact of any technical changes you makeA recent (or soon-to-be) graduate with a degree in a technical or quantitative field (e.g. Computer Science, AI/Machine Learning, Statistics, Engineering or Mathematics - STEM field)Programming: Proficiency in Python or similar languages or a good understanding of computer science and eagerness to learn and perform in Python based technologies.Understanding and genuine interest in Generative AI concepts, including LLMs, embeddings, RAG, prompt engineering, structured outputs, and model limitationsWhy Join UsLearn from experienced AI Engineers, and product leaders in a flat, fast-paced teamA chance to shape the future of credit using the latest Generative AI and agentic technologiesA collaborative, diverse, flexible culture that values growth, ownership, and keeping our customers first in all of our engineeringPosition yourself at the forefront of the AI and financial services revolutionExceptional promotion opportunities from rapid company growthWhat We OfferHybrid with 3 days a week in the office25 days' holiday a year, plus 8 bank holidays2 paid volunteering days per yearOne month paid sabbatical after 4 yearsFree gym membershipTeam wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering

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Develop backend software engineering skills through a graduate scheme, building fintech products, APIs, and data-driven lending solutions using Python and modern technologies.About AboundWe’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.Your Graduate Scheme (Software Engineering Route)There will be opportunities to work on projects ranging from our core, market-leading product to new products and markets that we're just getting off the groundYou'll also have chances to work cross-functionally with our data science, risk, compliance, underwriting and product teamsYou'll start shipping code from week one, and learn by doingYou will rotate through various backend-focused teams and might be contributing byImplementing business logic for our core business (Abound) and new productsCreate internal and customer facing endpoints with FastAPI to integrate with our frontends and external clientsIntegrate with external APIs to improve our credit-decisioning and payment processingWorking with Postgres or MySql databases to handle customer data safely and efficientlyProduct Development: participate in rapid feature development cycles for new products, and see the direct customer and commercial impacts of your workMentorship Program: pair with senior engineers and rotate through different teamsBi-annual technical reviews and career progression planningReal Impact: See your code go live and directly affect lending decisions for thousands of customers who struggle with traditional banking.Who you areYou believe that learning is the most important thing to optimise for as you start your career, and want to learn by doing at the fastest growing fintech in LondonYou like getting your hands dirty and using tech to solving complex problemsYou thrive when given ownership, and autonomyYou also want to learn about the commercial impact of any technical changes you makeA recent (or soon-to-be) graduate with a degree in a technical or quantitative field (e.g. Computer Science, Statistics, Engineering or Mathematics -- STEM field)Programming: Proficiency in Python or similar languages or a good understanding of computer science and eagerness to learn and perform in Python based technologies.Genuine interest in financial technology and how AI can solve real-world problems.Strong communication skills and ability to work in cross-functional teams.Why Join UsLearn from experienced Software Engineers, and product leaders in a flat, fast-paced teams.A chance to shape the future of credit using the latest Python based technologies such as FastAPI.A collaborative, diverse, flexible culture that values growth, ownership, and keeping our customers first in all of our engineering.Position yourself at the forefront of the financial services revolutionExceptional promotion opportunities from rapid company growth What we offerHybrid with 3 days a week in the office25 days’ holiday a year, plus 8 bank holidays2 paid volunteering days per yearOne month paid sabbatical after 4 yearsFree gym membershipTeam wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering

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Develop AI, machine learning, and data science solutions through a graduate scheme, working on credit decisioning, risk analytics, and fintech product development.About AboundWe’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.Your grad Scheme( Data Science Route)Our Data Science team works across our entire business, from new products, to core credit decisioning, to user acquisitionYou'll get exposure to a wide range of projects, such as:AI & Machine Learning Development: work directly on our proprietary loan decision platform, Render, contributing to the transformer models that allow us to outperform the market in loan performanceOpen Banking Integrations and Classification: enhancing how we transform noisy, real-time transaction data into automated lending decisionsProduct Development: participate in rapid feature development cycles, with direct impact on customer experience and business outcomesCredit Risk Analytics: analyse how our loan book performs over time and how we fund it at scale, working across portfolio monitoring, impairment measurement, and the risk analytics behind our funding.Bi-annual technical reviews and career progression planningCross-functional exposure to risk, compliance, underwriting and product teamsWho you areYou believe that learning is the most important thing to optimise for as you start your career, and want to learn by doing at the fastest growing fintech in LondonYou like getting your hands dirty and using tech to solving complex problemsYou also want to learn about the commercial impact of any technical changes you makeA recent (or soon-to-be) graduate with a degree in a technical or quantitative field (e.g. Data Science, Statistics, Mathematics, Engineering, Economics)Programming: Proficiency in Python or similar languagesGenuine interest in financial technology and how AI can solve real-world problemsStrong communication skills and ability to work in cross-functional teamsWhy join usMeaningful, high-impact work from day oneLearn from experienced data scientists, engineers, and product leaders in a flat, fast-paced teamA chance to shape the future of credit using the latest tools in data and machine learningA collaborative, diverse, flexible culture that values growth, ownership, and doing the right thing for our customersPosition yourself at the forefront of the financial services revolutionExceptional promotion opportunities from rapid company growthWhat we offerHybrid with 3 days a week in the office25 days’ holiday a year, plus 8 bank holidays2 paid volunteering days per yearOne month paid sabbatical after 4 yearsFree gym membershipTeam wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering

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