This entry-level data science and financial technology scheme focuses on AI-driven credit decisioning and machine learning development, training recent quantitative graduates to work on proprietary transformer models, process open banking transaction data, and deploy automated lending features.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 outcomesBi-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 boulderingScheme details:Our graduate scheme runs for one year, with the opportunity to convert to a permanent role based on performance.Start date: Late September – Early October 2025 (TBC)Please note: we are unable to offer visa sponsorship for this role.
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