We are looking for a Credit Underwriter to assess consumer lending applications and make fair, responsible and well-reasoned credit decisions. This is a hands-on underwriting role focused on reviewing affordability, Open Banking information, income, credit bureau data, customer circumstances and supporting documentation against our lending policy.
The role is centred on individual case assessment, judgement and decision-making. It is not a credit modelling or data science position. You will work directly with lending applications, investigate the customer’s financial position and take ownership of each case through to a clear resolution.
We are looking for someone who goes beyond processing applications. You will contribute ideas, support colleagues and help us improve how underwriting works as Abound grows in Spain.
How we underwrite at Abound
Unlike lenders that rely mainly on a credit score, Abound uses Open Banking and detailed affordability assessments to build a fuller and more current view of a customer’s financial position. Our underwriters combine evidence, policy and sound judgement to decide whether lending is both appropriate and sustainable.
In practice, you may review:
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Income, expenditure and transaction patterns across connected bank accounts.
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Affordability, disposable income and the customer’s ability to sustain repayments.
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Income stability, employment circumstances and additional earnings.
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Customer-declared information compared with evidence available through Open Banking.
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Credit bureau information, policy rules and manual referral triggers.
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Supporting documents and additional information requested from the customer.
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Potential indicators of fraud, money laundering, financial difficulty or customer vulnerability.
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Complex patterns such as gambling activity, frequent cash usage, own-account transfers, short-term credit, international payments or trading and crypto activity, where relevant to the lending assessment.