BNPLRiskLead

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 hiring a Retail Finance Risk Lead to take full ownership of risk management across our retail finance product suite. This is a senior, hands-on role with broad scope – spanning credit decisioning, credit risk measurement, fraud risk management, product design, funding compliance, merchant throttling, and impairment – with direct accountability for how risk is identified, measured, managed, and reported. The successful candidate will act as the business’s primary risk authority for retail finance products, working closely with product, data science, finance, and senior leadership teams. This role requires both strategic thinking and a willingness to get into the detail: you will set the framework and own the outcomes. What you'll be doing Credit Decisioning & Risk Measurement - Define and maintain credit risk metrics, concentration limits, and portfolio triggers, ensuring consistent measurement across products. - Drive risk-based analysis t