Risk Analyst

Join Abound, a fast-growing fintech company redefining consumer lending in the UK and beyond. As a Senior Underwriter, you will play a key role in shaping the underwriting framework for our new technology-driven lending platform in Spain. Your responsibilities will include performing complex manual underwriting assessments, supporting the development of underwriting policies, working on automation and process optimization, monitoring portfolio quality, and contributing to team development. You should have at least 5 years of underwriting experience in consumer finance, fintech lending, banks, or regulated lenders, and a strong understanding of unsecured consumer lending products.

• Perform complex manual underwriting assessments for consumer lending applications, ensuring consistent and responsible lending decisions aligned with internal credit policies and Spanish regulatory expectations.
• Support the CRO in the development and refinement of underwriting policies, scorecards, and affordability rules, contributing practical underwriting expertise into automated decisioning strategies.
• Monitor underwriting quality and consistency across the underwriting team, identifying emerging credit, fraud, or operational risks, and supporting root cause analysis on arrears, fraud events, or policy breaches.