Graduate Data Scientist

About Abound

We’re on a mission to make affordable loans available to more people. Using the power of Open Banking, we have built state-of-the-art technology that allows us to look beyond traditional credit scores and offer fairer credit to people ignored by traditional lenders.

We have two parts of our business. On the consumer side, we have Abound. Abound has proven that our approach works at scale, with over £650 million lent to-date. While other lenders only look at your credit score, we use Open Banking to look at the full picture – what you earn, how you spend, and what’s left at the end.

On the B2B side, we have Render. Render is our award-winning software-as-a-service platform that allows Abound to make better, less risky lending decisions. And less risky decisions mean we can offer customers better rates than they can usually find elsewhere. We’re taking Render global so that more companies, from high-street banks to other fintechs, can offer affordable credit to their customers.

Your grad Scheme( Data Science Route)

• AI & Machine Learning Development: Work directly on our proprietary Render platform, contributing to the AI algorithms that allow us to outperform the market in loan performance (e.g, pricing optimisation, NLP for transaction classification, risk scoring)
• Open Banking Integration: Build and enhance real-time financial data analysis systems that process millions of transactions to assess creditworthiness
• Data Engineering: Design and implement data pipelines that transform raw banking data into actionable insights for lending decisions
• Product Development: Participate in rapid feature development cycles, with direct impact on customer experience and business outcomes
• Real Impact: See your code go live and directly affect lending decisions for thousands of customers who struggle with traditional banking
• Bi-annual technical reviews and career progression planning
• Cross-functional exposure to risk, compliance, underwriting and product teams
  
  

Who You Are

• A recent (or soon-to-be) graduate with a degree in a technical or quantitative field (e.g. Data Science, Statistics, Mathematics, Engineering, Economics)
• Programming: Proficiency in Python or similar languages
• Genuine interest in financial technology and how AI can solve real-world problems
• Strong communication skills and ability to work in cross-functional teams
• Eagerness to learn new technologies and take on responsibilities
  
  

Why join us

• Meaningful, high-impact work from day one.
• Learn from experienced data scientists, engineers, and product leaders in a flat, fast-paced team.
• A chance to shape the future of credit using the latest tools in data and machine learning.
• A collaborative, diverse, flexible culture that values growth, ownership, and doing the right thing for our customers.
• Position yourself at the forefront of the financial services revolution
• Exceptional promotion opportunities from rapid company growth
  
  

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
• Save up to 60% on an electric vehicle through our salary sacrifice scheme with Loveelectric
• Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering