Graduate Data Scientist

About Abound

Abound is reshaping consumer lending across the UK and beyond by leveraging advanced AI techniques and Open Banking data to provide fair and affordable personal finance options to a wider audience. Unlike traditional lenders that depend heavily on credit scores, we assess the entire financial landscape—examining expenditure and repayment capacity—to develop a nuanced understanding of each customer's unique financial circumstances.

Our approach has been proven successful at scale, having issued over 30 billion in loans with exceptional credit performance. For every 10 defaults the industry predicts, Abound experiences only 3. Achieving profitability within just 2.5 years of operation, the company is backed by more than 3 billion from leading investors including Citi, GSR Ventures, and Deutsche Bank. Recognized as one of Europe's fastest-growing fintechs, we are expanding into new markets and products and seek driven individuals eager to rapidly learn, take initiative, and grow alongside us.

Graduate Scheme - Data Science Path

• Collaborate across the Data Science team on diverse business areas such as product innovation, credit decisioning, and acquisition strategies.
• Engage in a variety of projects including developing AI and machine learning models to enhance our proprietary loan decision platform, Render.
• Improve Open Banking integrations by refining the classification and processing of complex, real-time transaction data to support automated lending decisions.
• Contribute to rapid product feature cycles impacting customer experience and business outcomes.
• Analyze credit risk by monitoring loan portfolio performance, impairment metrics, and funding analytics.
• Participate in biannual technical performance reviews and career growth planning.
• Work cross-functionally with risk, compliance, underwriting, and product teams.

Who You Are

• A strong belief that continuous learning is vital at the start of your career, coupled with a desire to gain hands-on experience at a fast-growing fintech based in London.
• A proactive approach to tackling complex technical problems using available technology.
• Keen interest in understanding the commercial impacts of your technical contributions.
• A recent or soon-to-be graduate with qualifications in data science, statistics, mathematics, engineering, economics, or related quantitative fields.
• Programming proficiency in Python or equivalent languages.
• A genuine enthusiasm for financial technology and the application of AI to solve tangible challenges.
• Excellent communication skills and the ability to collaborate effectively across multiple teams.

Why Join Us

• Engage in meaningful work that influences company success from your first day.
• Learn from experienced professionals in data science, engineering, and product leadership within a dynamic and flat organizational structure.
• Shape the future of credit by utilizing cutting-edge data and machine learning tools.
• Enjoy a supportive, inclusive, and flexible environment prioritizing growth, ownership, and customer-centric values.
• Position yourself at the forefront of innovation in the financial services sector.
• Benefit from outstanding promotion possibilities fueled by vigorous company expansion.

What We Offer

• A hybrid work model requiring attendance in the London office three days each week.
• 25 days of annual leave plus 8 public holidays.
• Two paid volunteering days per year to contribute to community causes.
• A paid sabbatical month after completing four years with the company.
• Complimentary gym membership to support wellness.
• Team wellness budget facilitating group activities, such as yoga, tennis lessons, or bouldering sessions.

Interview Process

• Complete a 20-minute take-home test.
• Participate in a one-hour remote technical interview via video call.
• Attend an in-person interview day involving discussions with multiple personnel from Data Science and senior leadership over approximately 1.5 hours.

Graduate Scheme Details

• The graduate programme lasts one year, with potential to transition into a permanent position based on your performance.
• The anticipated start date is between late September and early October 2026 (confirmation pending).

Additional Information

Please note that visa sponsorship is not available for this role.