Senior Software Engineer, Abound
Offers equity
2-5 days a week in office
Personal loans & SaaS credit decisioning platform
Open for applications
Personal loans & SaaS credit decisioning platform
21-100 employees
Open for applications
Offers equity
2-5 days a week in office
21-100 employees
Company mission
To make affordable loans available to more people. We have built award-winning technology to look beyond credit scores and offer fair credit to people ignored by traditional lenders.
Role
Who you are
- This position requires an enthusiasm for exploring and understanding new business areas
- Fluency in both Chinese and English is essential to facilitate seamless communication and collaboration
- Candidates must have experience working directly with internal stakeholders to establish requirements, designing technical solutions, and owning the delivery of significant functionality—ideally having worked with peers of different levels to complete projects collaboratively
- A strong focus on logging, monitoring, and data-driven product improvements is required to ensure the stability and evolution of our platforms
- Seven or more years of professional software engineering experience, with a strong background in Java
- 2–3 years of professional Python experience (e.g., building microservices, data-related tasks)
- Proven experience leading the development of significant new functionality in a production environment
- Proficiency in writing well-structured, testable Java code, following best practices for maintainability
- Experience maintaining business-critical systems, ensuring uptime, reliability, and smooth operations
- Strong analytical and problem-solving skills, with a focus on logging, monitoring, and data-driven improvements
- Effective communication skills in both English and Chinese, able to work with global and local stakeholders
- Proficiency with Git for version control and familiarity with modern CI/CD workflows
- Basic knowledge of cloud infrastructure, with experience in at least one major platform (AWS, GCP, or Azure)
- Strong SQL skills for efficient data management and retrieval (MySQL, Postgres)
- Knowledge of lending products and business processes will be a major advantage
- Willingness to work at least four months each year in Shenzhen, leading the local engineering team
What the job involves
- This position requires an enthusiasm for exploring and understanding new business areas. We
- We offers a broad range of opportunities across platform engineering, conversion optimisation, and business process automation
- You will spend at least four months each year in Shenzhen, leading local teams and coordinating closely with stakeholders to deliver impactful solutions for our customers
- Developing and maintaining Java-based backend services for the B2C lending lifecycle—from onboarding new customers and assessing affordability to loan disbursement and repayment
- Participating in the entire SDLC, collaborating on solution design, reviewing code, building tests, and coordinating deployments
- Owning a part of the platform, ensuring smooth operation of business processes and related KPIs
- Leading and mentoring the Shenzhen engineering team, ensuring clear communication and successful project delivery
- Working closely with Product, Design, QA, and other stakeholders to understand, challenge, and refine requirements
- Providing second-line support within business hours, troubleshooting and resolving system issues that impact customers
- Applying strong SQL skills to optimize data management and improve performance across our databases
- Implementing robust logging and monitoring strategies to gather insights, drive data-informed decisions, and continuously enhance the product
Salary benchmarks
Our take
Borrowers in the UK have been consistently over-charged in recent years, with lenders rejecting requests mostly on the basis of poor credit histories. Through Open Banking, Abound (formerly Fintern) is working to build a different approach that evaluates live transaction data, usually ignored by traditional lenders, in order to offer loans at more favourable prices.
Traditional banks are also slowly starting to use Open Banking data for income verification while other emerging firms, like Abound, are using it to support underwriting decisions. The company's technique allows it not to exclude people with limited or poor credit history and, instead, aims at defining a repayment plan that borrowers can realistically sustain over time.
A forward-looking approach is strongly needed in the lending industry, with the main improvement being the consideration in lending decisions of each customer's current circumstances and recent history. The challenge for Abound in the near future is to effectively exploit machine learning, technology and Open Banking Data while differentiating from the rest of the industry with its own customer-centric approach.
Freddie
Company Specialist at Welcome to the Jungle
Insights
30% female employees
Company
Company benefits
- Everyone owns a piece of the company 📈Equity
- 25 days’ holiday a year, plus 8 bank holidays
- Save up to 60% on an electric vehicle through our salary sacrifice scheme with Loveelectric
- We offer all employees an affordable loan of up to £10k. The amount you can borrow may vary slightly, depending on your personal situation.
- Regular team lunches and events
- Free gym membership
- Free breakfast and snacks in the office. We’ll even cover your dinner if you’re working late
- Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering
- 2 paid volunteering days per year to all employees with the company charity - Spread a Smile
- Pension with Aviva
- Enhanced Maternity and New Parent leaves
Company values
- Our customers come first
- We are all owners
- We move fast but thoughtfully
- We win as a team
Company HQ
St Katharine's & Wapping, London, UK
Leadership
Gerald Chappell
(CEO)Ex-Partner at McKinsey and EY. After leading McKinsey’s Digital Lending practice globally, they got frustrated with how slow banks were at adopting AI and new technology - it was time for a change.
Dr. Michelle He
(COO)Ex-Director at EY with a PhD in Machine Learning. 15 years of experience in financial services convinced them that another way of doing credit was possible.
Diversity, Equity & Inclusion at Abound
Dr. Michelle He (Co-founder and COO)
- We've always wanted to build the best possible team, regardless of accent, gender or background. Our team at Abound is diverse at every level. We help each other and work as a team to achieve our shared mission.
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