About Abound
We’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.
Our technology stack:
Python (including FastAPI, SQLAlchemy, OpenTelemetry, procrastinate, Uvicorn), Postgres, MySQL, Liquibase, Retool, Docker, CI/CD pipelines, Git, RESTful APIs, and cloud infrastructure on AWS, GCP, or Azure. Our existing frontend stack includes Angular and TypeScript.
Who you are:
Seven or more years of professional experience in software engineering
Strong proficiency in Python, including writing well-structured async code, type hints, and unit tests
Experience building backend services using frameworks such as FastAPI
Strong SQL skills with experience working with relational databases such as PostgreSQL or MySQL
Experience designing and maintaining RESTful APIs
Experience building or maintaining automation and integrations that support financial or operational workflows
Experience working with message queues or background job systems
Proficiency with Git and collaborative development workflows
Experience working with containerised environments such as Docker and CI/CD pipelines
Basic knowledge of cloud infrastructure, with hands-on experience in at least one of AWS, GCP, or Azure
Comfortable collaborating directly with business stakeholders to understand requirements and translate them into practical technical solutions
Comfortable working in fast-paced environments where accuracy, reliability, and clear communication are essential
Experience maintaining codebases for business-critical systems
Practical interest in applying AI tools and LLM-based capabilities to real product or operational problems
Experience integrating third-party AI APIs or building AI-assisted internal tools is a strong plus
Ability to evaluate where AI adds value, and where conventional software or workflow automation is the better solution
Knowledge of lending products and lending operations is a major advantage
Awareness of financial concepts, accounting flows, or reconciliation processes is a plus
What you'll be doing:
Design and develop new Python services and backend features that automate and support core financial operations, such as payments, reconciliations, and reporting
Participate in the full software development lifecycle, from design and implementation to testing, deployment, and monitoring
Own part of the platform and be responsible for the smooth operation of associated business processes and their KPIs
Collaborate closely with Product, Design, and business users to understand, challenge, and refine requirements
Provide second-line support during business hours, helping to troubleshoot and resolve system issues that impact customers
Support junior engineers through PR reviews and pairing
Apply strong SQL skills to troubleshoot and improve the performance of data management and retrieval across our databases
Identify opportunities to use AI in pragmatic ways, whether to improve internal tooling, automate manual workflows, or enhance product capabilities
Build and maintain AI-assisted features and integrations in a reliable, observable, and cost-conscious way
Work with stakeholders to prototype, test, and iterate on AI-enabled workflows, while keeping a strong engineering bar for quality, safety, and maintainability
Help establish practical patterns for using AI in production, including structured outputs, evaluation, fallback handling, and human review where appropriate
What we offer:
Everyone owns a piece of the company - equity
Hybrid with 3 days a week in the office
25 days’ holiday a year, plus 8 bank holidays
2 paid volunteering days per year
One month paid sabbatical after 4 years
Employee loan
Free gym membership
Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering
abound