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




We are looking for a Credit Underwriter to assess consumer lending applications and make fair, responsible and well-reasoned credit decisions. This is a hands-on underwriting role focused on reviewing affordability, Open Banking information, income, credit bureau data, customer circumstances and supporting documentation against our lending policy.
The role is centred on individual case assessment, judgement and decision-making. It is not a credit modelling or data science position. You will work directly with lending applications, investigate the customer’s financial position and take ownership of each case through to a clear resolution.
We are looking for someone who goes beyond processing applications. You will contribute ideas, support colleagues and help us improve how underwriting works as Abound grows in Spain.
How we underwrite at Abound
Unlike lenders that rely mainly on a credit score, Abound uses Open Banking and detailed affordabilit

📌 Credit Underwriter (Madrid)
🏢 Abound
📍 Madrid