Credit Risk Manager

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’re hiring a Credit Risk Manager/Data Scientist to own credit risk and data science in Spain. We know that making our product work in Spain will involve adapting it. You’ll need to find and integrate new data sources, build models and features, and measure performance to give us the foundation to grow in the Spanish market.

What you'll be doing:

• Owning credit performance, data science and reporting in Spain end to end

• Building and owning our local decisioning model and decisioning features

• Owning our API integrations, and relationships, with all local data providers

• Working closely with our local product, tech, underwriting and operations teams to constantly tweak and develop new features

• Appreciation of the trade-off between risk and growth, and the levers we have to drive both

• Understanding, evaluating and localizing what’s worked in the UK and adapting what makes sense to the local market

• Overseeing the monitoring and reporting of key credit performance triggers and concentration metrics

Who You Are:

• A rigorous, disciplined, and hands-on professional with a strong sense of ownership and accountability.

• Comfortable operating in ambiguity. We don’t have the answers to what will work in Spain, but you’ll work tirelessly to find them

• Technically fluent in credit risk concepts, portfolio metrics, concentration analysis, and performance monitoring.

• Confident challenging data, assumptions, and narratives in a constructive, commercially grounded way.

• Highly organised, with strong execution and stakeholder management skills.

• Credible and composed when engaging with senior management and external counterparties.

Experience & Background:

• Around 5 years’ experience in a numerate, analytical, or risk-focused role (e.g. credit risk, finance, consulting, audit, analytics, operations) in Spain

• Experience across one or more consumer lending products such as Unsecured Personal Loans (UPL), BNPL, Mortgages, or Auto finance.

• Experience producing, reviewing, or owning MI in a multi-product or multi-channel environment.

• Familiarity with credit risk performance metrics, portfolio monitoring, concentration analysis, and performance triggers.

• Experience working with internal risk limits and/or external covenants, triggers, or funding-related reporting.

• Strong written and verbal communication skills, with the ability to present complex topics clearly to senior audiences.

• Does not need to be a deep data scientist, but must be comfortable working closely with data scientists and getting into the detail where required.

Why Abound:

• Take ownership of a critical role supporting Abound’s continued growth and expansion into new products and markets.

• Work closely with the local Spanish team, CRO, senior leadership, product teams, and external stakeholders.

• Help shape scalable, best-in-class credit and product risk reporting and governance.

• Operate in a high-trust role with real responsibility, visibility, and impact.