---
title: 'AI Engineer at Abound'
canonical: 'https://feeny.ai/job/ai-engineer-abound-london-kxe9dz85hkqa'
type: 'job'
last_seen: '2026-09-06'
---

# AI Engineer at Abound

- **Company:** Abound
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-07-06
- **Last confirmed live:** 2026-09-06
- **Apply:** https://jobs.ashbyhq.com/abound/325f8786-40d9-4cea-a0c6-df44b3289f1b

## Job description

## 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 looking for a smart, curious, and practical AI Engineer to join our global team in our London office. You’ll work on real-world Generative AI applications, AI agents, and Python-based automation solutions for the consumer lending industry. This role is ideal for someone who wants to turn AI capabilities into measurable business impact, not just build demos. You’ll collaborate closely with our UK and Shenzhen teams to explore, build, evaluate, and integrate AI into customer operations, internal automation, risk workflows, and lending operations.

## What You’ll Be Doing

- Build Generative AI and AI agent solutions for customer operations, internal automation, and lending operations
- Design prompts, workflows, and evaluation processes to make AI systems more reliable and useful
- Integrate LLMs with internal tools, APIs, databases, and business systems
- Write clean, scalable, and maintainable Python code
- Prototype quickly, test ideas, measure impact, and iterate based on real business needs
- Collaborate with teams in the UK and Shenzhen to identify high-value AI use cases.
- Help improve production reliability through testing, logging, monitoring, fallback handling, and human review where appropriate
- Stay up to date with AI trends and propose practical ways to apply them in our business

## Who you are

- Ideally, 1-3 years of hands-on experience in software engineering, AI, machine learning, automation, or related technical work
- Strong Python skills, including API integrations, data processing, async programming, and clean code practices
- Solid understanding of Generative AI concepts, including LLMs, embeddings, RAG, prompt engineering, structured outputs, and model limitations
- Familiar with prompt design patterns, evaluation methods, and techniques for improving reliability and reducing hallucination
- Interested in AI agents and workflow design, including tool calling, task planning, memory, orchestration, and human-in-the-loop systems
- Comfortable experimenting quickly, learning new tools, and turning ambiguous business problems into working solutions
- Able to communicate clearly with both technical and non-technical teams

Ways To Stand Out From The Crowd

- Practical LLM applications beyond simple chatbots or demos
- Experience with RAG, embeddings, structured outputs, function calling, or agentic workflows
- Understand how to evaluate AI outputs and improve reliability over time
- Worked with cloud AI platforms such as GCP Vertex AI, AWS Bedrock, Azure OpenAI, or similar tools
- Experience with financial services, consumer lending, credit risk, collections, or operations automation
- Experience with AI coding tools, such as Claude Code, Codex, or Cursor

## What We Value

- Strong problem-solving ability
- Curiosity about how AI systems work under the hood
- Product sense and business awareness
- Bias for action and fast learning
- Ownership, pragmatism, and attention to quality

## 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 through WellHub
- Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering

## About Abound

## Company Overview
- **One-liner**: Abound uses AI and Open Banking to provide fair, affordable personal loans to consumers and a white-label lending platform for businesses.
- **Entity Type**: Private (Debt‑funded)
- **Headquarters**: London, England (Commodity Quay, London E1W 1AZ)
- **Founded**: 2021 (launched March 2021)
- **Founders**: Dr. Michelle He (CEO) and Gerald Chappell (COO) – [getabound.com/company/what-we-do](https://www.getabound.com/company/what-we-do)

## Core Business
- **Primary industry**: Consumer lending / Fintech / Lending‑as‑a‑Service
- **Target customers**: B2C (UK individuals seeking loans up to £20k) and B2B (businesses wanting to launch or scale lending products)
- **Mission / purpose**: “Making borrowing fairer for consumers and smarter for lenders.” – [getabound.com](https://www.getabound.com/)

## Products & Services
- **Abound Personal Loans** (B2C): Fast, flexible loans of up to £20,000 with same‑day decisions. Uses Open Banking and AI to assess affordability beyond traditional credit scores.
- **Abound Lending Platform** (B2B): A modular platform that powers underwriting, origination, and collections for partners. Enables faster, lower‑risk lending with AI‑driven risk models.

## Market Standing
- **Valuation / Market Cap**: Not disclosed
- **Key Metric**: Total loan originations over **£1.5 billion** (since launch) – [getabound.com/company/what-we-do](https://www.getabound.com/company/what-we-do)
- **Lending capacity**: £2.2 billion
- **Notable Investors / Partners**: Loan‑book financing secured from **Citi, Deutsche Bank, Waterfall** and others. Over **15 partners** using the platform.
- **Growth Signals**: Monthly originations at a significant run rate; “Excellent” rating on Trustpilot; expanding into car finance (open role for Lead Product Manager – Car Finance); offices in London, Milton Keynes, Shenzhen, and Madrid.

## Competitive Advantages
- **AI‑powered underwriting** that integrates Open Banking data, delivering **50–70% lower default rates** vs. market benchmarks.
- **Full‑stack lending platform** that serves both consumers and enterprise partners, creating a network effect.
- **Strong debt‑financing partnerships** with global banks, providing capital to scale rapidly.

## Strategic Focus
- **Platform expansion**: Growing the B2B lending‑as‑a‑service business (15+ partners) and entering new product verticals (e.g., car finance).
- **International presence**: Offices in Shenzhen (China) and Madrid (Spain) suggest global ambitions.
- **Continuous AI innovation**: Investing in risk modeling and data science to maintain credit performance edge.

## Why Work Here
- **Equity ownership**: Everyone owns a piece of the company through equity.
- **Benefits**:
  - 30‑day paid sabbatical after every 4 years of service.
  - Skills growth budget (e.g., learning new programming languages, communication skills).
  - Free WellHub membership for physical and mental wellbeing.
  - Free breakfast and snacks in the office; lunch on us every Friday.
  - Employee loan of up to £10,000 (subject to circumstances).
  - Wellness budget for team‑chosen activities (running club, rugby team, etc.).
  - Regular team lunches and social events.
- **Culture**: Customer‑first, move fast but thoughtfully, embrace uncertainty, win as a team, and “all owners” mentality.
- **Offices**: London (primary), Milton Keynes, Shenzhen, Madrid. Hybrid policy not explicitly stated but multiple office locations suggest flexibility.
- **Engineering culture**: Heavy investment in AI, data science, and Python; senior engineering roles advertised across locations.

## Sources
1. [getabound.com – Careers](https://www.getabound.com/company/careers)
2. [getabound.com – What we do](https://www.getabound.com/company/what-we-do)
3. [getabound.com – Homepage](https://www.getabound.com/)
4. [getabound.com – Open roles](https://www.getabound.com/company/careers/open-roles)
5. [uk.linkedin.com – Abound](https://uk.linkedin.com/company/getabound)

## Other roles at Abound

- [Credit Underwriter / Analista de Riesgo Crediticio](https://feeny.ai/job/credit-underwriter-analista-de-riesgo-crediticio-abound-madrid-z6c9mexdmscn) — Madrid, Spain
- [Chief of Staff to CTO](https://feeny.ai/job/chief-of-staff-to-cto-abound-london-xgmt2b0yb6pv) — London, United Kingdom
- [Second Charge Mortgage Underwriter](https://feeny.ai/job/second-charge-mortgage-underwriter-abound-london-e2v17p7qjnte) — London, United Kingdom
- [Underwriter](https://feeny.ai/job/underwriter-abound-london-6bz13cfzwed5) — London, United Kingdom
- [Lead Software Engineer](https://feeny.ai/job/lead-software-engineer-abound-madrid-a19hhd5yp022) — Madrid, Spain
- [Compliance Officer](https://feeny.ai/job/compliance-officer-abound-london-42hmzg5mjwm8) — London, United Kingdom
- [Customer Service Specialist](https://feeny.ai/job/customer-service-specialist-abound-milton-keynes-vv9d3ka5msgb) — Milton Keynes, United Kingdom
- [Graduate AI Engineer](https://feeny.ai/job/graduate-ai-engineer-abound-london-wy7bzy1qc5mz) — London, United Kingdom
- [Capital Markets Manager](https://feeny.ai/job/capital-markets-manager-abound-london-jgzr1bd1fvs6) — London, United Kingdom
- [Graduate Software Engineer](https://feeny.ai/job/graduate-software-engineer-abound-london-sq8h69e4ztjz) — London, United Kingdom