ppbAbout Abound /b /p pWe’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. /p pAnd we’ve shown it works at scale. We’ve issued over b£1.3bn /b in loans directly to customers while delivering bmarket-leading credit performance /b - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch. /p pBacked by b£2bn+ /b 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. /p h3About The Role /h3 pWe are launching a new technology-driven lending platform in Spain through the establishment of a regulated EFC. We are looking for a highly hands‑on Senior Underwriter to help shape the Spanish underwriting framework during a critical growth and licensing phase. /p pThis role combines day‑to‑day underwriting expertise with policy development, automation support, portfolio quality oversight and operational scaling. /p pThe successful candidate will play a key role in bridging manual underwriting expertise with scalable automated decisioning strategies suitable for a regulated consumer lending environment. /p h3What You’ll Be Doing /h3 h3Underwriting Credit Assessment /h3 ul liPerform complex manual underwriting assessments for consumer lending applications. /li liReview affordability,



income verification, bank transaction analysis and fraud indicators. /li liAssess exceptions and borderline cases outside automated decisioning rules. /li liEnsure consistent and responsible lending decisions aligned with internal credit policies and Spanish regulatory expectations. /li /ul h3Credit Policy Decisioning Framework /h3 ul liSupport the CRO in the development and refinement of underwriting policies, scorecards and affordability rules. /li liContribute practical underwriting expertise into automated decisioning strategies. /li liIdentify opportunities to reduce manual interventions while maintaining portfolio quality. /li liHelp define credit segmentation strategies, cut‑off logic and referral workflows. /li /ul h3Automation Process Optimisation /h3 ul liWork closely with Risk, Data Science and Technology teams to translate underwriting logic into scalable decision engines. /li liSupport the implementation and tuning of automated lending rules. /li liHelp improve onboarding journeys, verification flows and fraud prevention controls. /li liParticipate in testing and validation of underwriting systems and rule changes. /li /ul h3Portfolio Monitoring Quality Assurance /h3 ul liMonitor underwriting quality and consistency across the underwriting team. /li liIdentify emerging credit, fraud or operational risks. /li liSupport root cause analysis on arrears, fraud events or policy breaches. /li liAssist with underwriting QA frameworks and governance controls.



/li /ul h3Team Development /h3 ul liAct as a senior reference point for junior underwriters. /li liProvide coaching, mentoring and training support. /li liHelp establish underwriting procedures, documentation and operational best practices. /li liContribute to building a high‑performing underwriting culture aligned with regulated lending standards. /li /ul h3Who You Are /h3 ul li5+ years of underwriting experience within consumer finance, fintech lending, banks or regulated lenders. /li liStrong understanding of unsecured consumer lending products. /li liExperience reviewing affordability and transactional banking data. /li liPractical experience operating within policy-driven underwriting environments. /li liExposure to automated decisioning systems and underwriting rule frameworks. /li liExperience working with Spanish consumer lending regulation and responsible lending expectations. /li /ul h3Ideally, you also have /h3 ul liExperience within a digital lender environment. /li liFamiliarity with open banking‑based underwriting models. /li liExperience supporting underwriting automation projects. /li liExposure to fraud prevention and financial crime indicators. /li liExperience operating in high‑growth fintech or scaling environments. /li /ul h3Skills And Competences /h3 ul liStrong analytical and decision‑making capability. /li liPragmatic commercial judgement balanced with risk discipline. /li liAbility to work in fast‑moving and evolving operational environments. /li liExcellent attention to detail. /li liStrong communication and stakeholder management skills. /li liHands‑on mentality with willingness to operate both strategically and operationally. /li liComfortable working across Risk, Operations, Technology and Compliance functions. /li /ul /p #J-18808-Ljbffr

📌 Risk Analyst (Madrid)
🏢 Abound
📍 Madrid