Fintern Limited (trading as Abound)

Smarter Lending Beyond the Credit Score

Abound (formerly Fintern) is a London-based fintech company transforming consumer lending by looking beyond traditional credit scores. Using AI and Open Banking data, Abound analyzes live transaction data—what you earn, how you spend, and what's left at the end of the month—to offer fairer and more affordable personal loans. Founded in 2020 by former McKinsey and EY credit experts, the company has lent over £800 million to date. Abound also operates a B2B SaaS platform called Render, which allows other lenders to utilize its advanced credit decisioning technology.

A Culture of Ownership and Customer Impact

At Abound, the culture is deeply rooted in customer impact and taking ownership. The team embraces uncertainty and moves fast but thoughtfully, recognizing that delivering a solution that "moves the needle" is more important than waiting for perfection.

Employees describe a collaborative environment where people regularly step outside their day-to-day roles to help one another. As the founders emphasize, there is no fixed rulebook—team members are expected to use common sense, data, and good judgment.

What You'll Actually Do

Depending on your role, you'll be contributing to either the consumer-facing lending product (Abound) or the B2B SaaS platform (Render).

For engineers and data scientists, this means working with large datasets of Open Banking data to extract insights on financial behavior, building advanced machine learning models for credit risk, and maintaining scalable infrastructure. The tech team works closely with product managers to transform these data insights into pioneering solutions. The work is fast-paced, and you will have the autonomy to take ownership of features from the original idea all the way through to live deployment.

Compensation & Benefits

Abound offers a competitive compensation package that includes equity ownership for all employees. While specific salary data is limited, Glassdoor estimates indicate salaries such as £40,000 for Underwriters and £61,000 for Software Engineers.

Beyond base pay and equity, Abound provides a strong benefits package. This includes a hybrid working model (3 days in the office), 25 days of holiday, a one-month paid sabbatical after four years of service, and access to an affordable employee loan of up to £10,000. Employees also enjoy free breakfast and snacks, Friday lunches, a free gym membership (WellHub), and a dedicated monthly team wellness budget for activities like yoga or bouldering.

The Interview Process

While public details on the exact interview rounds are limited, candidates can expect a process that assesses both technical capabilities and cultural fit. For technical roles like Data Science, expect discussions around statistical modeling, machine learning algorithms, and proficiency in Python and SQL.

Given the company's emphasis on its mission, candidates should be prepared to explain how their experience aligns with Abound's goal of improving financial inclusion and providing fairer credit.

Why Join / Why Not

Why Join: If you are passionate about using data and AI to solve real-world problems and improve financial inclusion, Abound offers a compelling mission. The company is well-funded, growing rapidly, and offers a strong benefits package including equity and a generous sabbatical policy. You'll have the opportunity to work on both consumer and B2B products in a highly autonomous environment.

Why Not: As a fast-growing startup dealing with complex financial data and regulations, the environment can be demanding and requires high adaptability. If you prefer a highly structured corporate environment with rigid job descriptions, Abound's culture of embracing uncertainty and stepping outside your defined role might not be the best fit.