Underwriting Team Lead

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.

About the role

As Underwriting Team Lead , you will play a pivotal role in driving Fintern’s underwriting performance and operational excellence. Leading a team of skilled underwriters, you’ll inspire a culture of high achievement, precision, and continuous improvement — ensuring every decision upholds Fintern’s standards of fairness, quality, and customer care.

This is a dynamic leadership position that demands drive, innovation, and adaptability. You’ll be responsible for delivering against ambitious performance targets, overseeing underwriting quality, and ensuring team efficiency across day-to-day operations. You’ll lead from the front — setting clear expectations, mentoring your team, and empowering them to consistently deliver strong results.

Collaboration will be key. You’ll work closely with senior stakeholders to refine our underwriting strategies, enhance decision frameworks, and introduce innovative solutions that improve accuracy, scalability, and customer outcomes. You’ll bring analytical rigor, sound judgment, and a proactive approach to every challenge.

At Abound, we believe excellence should be recognised and rewarded. Outstanding performance in this role is supported by a competitive bonus and incentive structure, designed to celebrate individuals and teams who consistently meet or exceed targets.

In this position, you’ll not only guide a high-performing team but also help shape the future of our underwriting function — driving innovation, operational excellence, and sustainable growth in a fast-paced fintech environment.

What you'll be doing

• Lead, coach, and develop a team of up to 10 underwriters, setting clear goals and expectations.

• Drive team performance to achieve productivity, quality, and customer outcome targets.

• Support the Head of Underwriting in strategic initiatives, onboarding, and departmental improvements.

• Take ownership of escalated credit decisions and complaints, ensuring balanced, compliant, and fair outcomes.

• Underwrite unsecured personal loan applications using cutting-edge decision technology.

• Analyse Open Banking data to assess affordability and creditworthiness with precision.

• Perform detailed fraud and AML checks in line with company policy.

• Provide quality assurance feedback, conduct 1:1 reviews, and foster continuous professional growth.

• Champion innovation by trialling new products, technologies, and underwriting approaches.

• Collaborate across departments to drive alignment, efficiency, and operational excellence.

Who you are

• Minimum 2 years’ experience in a Senior Underwriting or Team Lead role.

• Proven ability to inspire, motivate, and develop others.

• Demonstrated success in achieving performance targets within a fast-paced environment.

• Strong understanding of credit policy, affordability assessment, and risk management.

• Excellent communication, organisational, and time-management skills.

• Resilient, adaptable, and proactive in navigating change.

• Experience in near-prime lending or a fintech/start-up environment is advantageous.

• A “Customer First” mindset and a commitment to quality in every decision

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