
Abound · Madrid
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 availa...
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 are launching a new technology-driven lending platform in Spain through the establishment of a regulated EFC. We are looking
for a highly hands-on Senior Underwriter to help shape the Spanish underwriting framework during a critical growth and licensing
phase.
This role combines day-to-day underwriting expertise with policy development, automation support, portfolio quality oversight and
operational scaling.
The successful candidate will play a key role in bridging manual underwriting expertise with scalable automated decisioning
strategies suitable for a regulated consumer lending environment.
Underwriting & Credit Assessment
Credit Policy & Decisioning Framework
Automation & Process Optimisation
Portfolio Monitoring & Quality Assurance
Team Development
Who you are
Ideally you'll also have
Skills and Competences
What We Offer
THE ROLE The US & Chile Commercial Manager plays a key role in overseeing the commercial performance and compliance of assets located in the Americas in the NextEnergy III and V portfolios. This management role has a team of analysts to ensure effective revenue management, contract administration, insurance, regulatory compliance, and ESG delivery across a portfolio of assets located in US States (New York, North Carolina, Virgina and Florida) and Chile. This role helps build processes and systems to ensure smooth Commercial delivery across US and Chile and with other Wise departments, where relevant, as well as consistent reporting and finding solutions to jurisdiction issues & trouble shooting. The US & Chile Commercial Manager supports their jurisdiction-specific teams in their interfaces between internal teams, Clients and external stakeholders. In addition, this role identifies operational efficiencies within the team, mitigates risks, and supports the long-term value creation of the assets under management. KEY RESPONSIBILITIES * Ensuring sufficient resourcing and capacity is available to effectively manage business as usual, new asset onboarding, out of scope activities and planned transformation across assets in the Americas. This includes leading recruitment and candidate offers when necessary, supported by NE III / V Commercial Lead and Global Head of Commercial, and working alongside the business’s internal Technology & Data Services team (TDS). * Ensuring power sales are completed diligently and accurately across the portfolio as per the Client’s strategy. Where necessary, work with the team/Client/NE III & V Commercial Lead to trouble shoot complex revenue collection issues. * Ensuring high levels of timely reporting accuracy and consistency across the assets. * Supporting the team in managing contractual and regulatory affairs, renewals, discrepancies and claims, working with external counsel/advisor(s) as necessary, supported by NE III / V Commercial Lead when necessary. * Ensure insurance claims and renewals are notified and completed in a timely and accurate manner. * Identifying asset optimization programmes, e.g. insurance, and working with the country team and NE III / V Commercial Lead as required. * Support Environmental, Social, and Governance (ESG) compliance and delivery. * Drive efficiency by leading planned Commercial-TDS transformation projects in NE III & V and identifying areas for transformation and improvement, working with TDS as necessary. * Identify where collaboration with Wise departments is required and carried out effectively to drive cross-functional management of assets. * Lead or support ad hoc commercial projects. * Update NE III / V Commercial Lead with key asset risks and planned mitigations accordingly and progress against transformation. * Ensure regulatory change and impact is cascaded across Wise as required to mitigate impact on asset compliance. SKILLS & COMPETENCIES To be successful in this role, you will demonstrate: * Excellent communication and presentation skills (in English and Spanish/Portuguese advantageous) - you must be able to organize your thoughts in a way that others find clear and compelling. You will be expected to put together well-written, grammatically correct emails, presentations and other communications. When communicating verbally – whether over the phone, on video calls, in person or in meetings – you will need to be articulate and engaging. * Time management & prioritization skills - the ability to effectively manage yourself and your workload is critical. * Fast Learner – Our US portfolio spans multiple states (New York, Virginia and North Carolina) with differing PPAs and regulatory requirements in each. Being able to quickly digest, learn and adapt to these differing challenges is key * Flexibility - being an effective team player means being flexible in your approach and open to getting involved with new things, even if they are not spelt out in your job description. * Analytical and problem-solving mindset with attention to detail, capable of interpreting complex contracts, regulations, and financial data. * Strong negotiation and influencing skills to manage contracts, disputes, and external counterparties. * Commercial acumen with the ability to assess risks, identify opportunities, and optimize asset performance. * Project management skills, with experience coordinating cross-functional initiatives and ensuring timely delivery. * Delivery focus – it may sound obvious, but the ability to proactively churn through work at pace and deliver quality outputs really matters. * IT literacy - you need to be comfortable with IT systems and working with data, particularly Excel. * Passion for our mission ‘to generate a more sustainable future by leading the transition to clean energy. * Our values: be a leader, build trust, be responsible, be innovative and ‘bring your alpha’. EXPERIENCE & QUALIFICATIONS * Bachelor’s degree in Economics, Law, Social/Environmental Sciences, Business Administration, Engineering, or a related discipline. * Minimum of 3-5 years of experience in a commercial, contractual, or asset management role within the renewable energy sector (preferably solar). * Strong knowledge of revenue management, contracts, and regulatory compliance (US and Chile operational knowledge is advantageous). * Multi-country asset management experience. * Demonstrable experience in reporting, risk mitigation, and stakeholder management. * Experience collaborating with cross-functional teams (finance, technical, legal). * Proficiency in English and Spanish (mandatory). * Proficiency in Microsoft Office Suite (Excel – advanced level, Word, PowerPoint). * Ability to work with asset management platforms and digital tools. * Availability to travel internationally WHAT WE OFFER * A busy role in a supportive team, with plenty of opportunities to learn. * International scope – we operate in over 8 countries. * Hybrid working – we will need you in the central Madrid/Seville at least twice a week, but you will normally be able to work remotely for the remainder of the week. * 38 days’ holiday per year (including local bank holidays and 3 of which are taken during the festive shutdown in December). * Sanitas Healthcare for you and qualifying dependents. * Annual discretionary bonus. HOW TO APPLY If you are interested in this opportunity, please follow the link to apply or send your application to careers@nextenergygroup.com. If you have been shortlisted for the next stage, we will be in contact within 14 days. By selecting “Apply” or sending us your CV, you indicate you have read and acknowledged NextEnergy Group’s Candidate Privacy Notice. DIVERSITY AND INCLUSION Our approach to diversity and inclusion is a natural extension of our values. Our entrepreneurial culture inspires us to try new things, be open to different viewpoints and be bold. Our Group is committed to cultivating and preserving a culture of connectedness that values difference and gives space for individual expression. The collective sum of our individual differences, life experiences, knowledge, innovation, self-expression, and talent and hard work form the bedrock of who we are and who we aspire to be. We are committed to equal employment and advancement opportunity irrespective of race, color, ancestry, social background, religion, gender, national origin, sexual orientation, age, citizenship, marital status, disability and gender identity.
Why Valtech? We’re the experience innovation company - a trusted partner to the world’s most recognized brands. To our people we offer growth opportunities, a values-driven culture, international careers and the chance to shape the future of experience. THE OPPORTUNITY At Valtech, you’ll find an environment designed for continuous learning, meaningful impact, and professional growth. Whether you're pioneering new digital solutions, challenging conventional thinking or building the next generation of customer experiences, your work will help transform industries. We are proud of: * The work we do and the innovation we drive * Our values of share, care and dare * A workplace culture that fosters creativity, diversity and autonomy * Our borderless, global framework, which enables seamless collaboration The role As a Senior Digital Experience Analytics & Optimisation Consultant, you are passionate about experience innovation and eager to push the boundaries of what’s possible. You bring minimum 6 to 8 YEARS of experience, a growth mindset and a drive to make a lasting impact. You will thrive in this role if you are: * A curious problem solver who challenges the status quo * A collaborator who values teamwork and knowledge-sharing * Excited by the intersection of technology, creativity and data * Experienced in Agile methodologies and consulting (a plus) As a Senior Experience Analytics & Optimisation Consultant, you will leverage advanced Web Analytics and Conversion Rate Optimisation experience to study user behaviours, inform strategic decisions and run experiments to optimise digital performance across customer accounts. In this role you will have daily contact with multiple product teams at a large enterprise business. Largely self-sufficient, you will get your hands busy with various Analytics and Optimisation technologies, and you will collaborate with multi-disciplinary teams to undertake data deliverables and implement a/b tests and personalisations at scale. You will be part of a large Data practice spanning all European markets, with teams of experts across fields such as data engineering, AI, web analytics, experimentation, data strategy, martech and more. Role responsibilities * Extract and analyse web behavior data from multiple platforms (Adobe Analytics, Adobe Target, GA4, ContentSquare, Qualtrics, Adoreboard, among others). * Identify user problems, trends, and anomalies to generate actionable insights and experiment hypotheses. * Study how analytics tags / events are implemented in various areas of a website to identify measurement gaps and produce relevant recommendations. * Consult with product teams to recommend digital measurement for upcoming product features. * Collaborate with cross-functional teams to translate data findings into strategic recommendations. * Design dashboards and reports to communicate insights to technical and non-technical stakeholders. * Plan and document experiments end-to-end, including: targeted pages & audiences, metrics, design briefs, development briefs, content brief, QA brief, analytics briefs, test duration etc. * Work with multi-disciplined teams (designers, developers, QA testers...) on the end-to-end implementation of experiments in Adobe Target. * Be an expert in Adobe Target, with knowledge about audiences, pages, KPIs and advanced features (ML recommendations, Automated personalisation, Visitor profile attributes, Profile scripts...) * Use Adobe Analytics and ContentSquare to report on experiment performance and provide clear recommendations and learnings. * Plan and conduct workshops with stakeholders, for example to ideate solutions to user problems MUST HAVE QUALIFICATIONS * 6-8 years in web analytics and or CRO roles * Proficiency with Optimisation platforms (Adobe Target, Optimizely, AB tasty, Kameleoon etc) * Proficiency with web analytics platforms (Adobe Analytics, GA4, ContentSquare, Hotjar, Qualtrics, Similarweb, Fullstory...) * Familiarity with how Tag Management platforms work (Google Tag Manager, Adobe Launch, Tealium...) * Hands-on experience designing dashboards (e.g. Looker Studio, Adobe Analytics, PowerBI...) * Strong data literacy, ability to communicate compelling stories with data. * Analytical rigour and awareness of risk in data interpretation, especially in the context of A/B testing. * An interest in working with product teams on shaping remarkable digital experiences * Familiarity with agile development and collaborative delivery across distributed teams. * Strong problem-solving skills and ability to translate business goals into measurable optimisation activities. * Comfortable working in a large, complex international organisation. * Ability to coach and guide junior analysts. * Excellent communication skills in English and Spanish. * Willingness to travel quarterly to Brussels for workshops and collaboration sessions. If you do not meet all the listed qualifications or have gaps in your experience, we still encourage you to apply. At Valtech, we recognize that talent comes in many forms, and we value diverse perspectives and a willingness to learn. COMMITMENT TO REACHING ALL KINDS OF PEOPLE We design experiences that work for all kinds of people - and that starts with our own teams. At Valtech, we’re intentional about building an inclusive culture where everyone feels supported to grow, thrive and achieve their goals. No matter your background, you belong here. Explore our Diversity & Inclusion site to see how we’re creating a more equitable Valtech for all. THE BENEFITS This is a hybride position based in Spain/ Madrid at the client's site office. Beyond a competitive compensation package, we offer: * Flexibility, with remote and hybrid work options (country-dependent) * Career advancement, with international mobility and professional development programs * Learning and development, with access to cutting-edge tools, training and industry experts Our benefits are tailored to each location. Your Talent Partner will provide full details during the hiring process. YOUR APPLICATION PROCESS Once you apply, our Talent Acquisition team will review your application. If your skills and experience align with the role, we’ll reach out for next steps. ⚠️ Beware of recruitment fraud: Only engage with official Valtech email addresses ending in @valtech.com. We are committed to inclusion and accessibility. If you need reasonable accommodations during the interview process, please either indicate it in your application or let your Talent Partner know. ABOUT VALTECH Valtech is the experience innovation company that exists to unlock a better way to experience the world. By blending crafts, categories, and cultures, we help brands unlock new value in an increasingly digital world. At the intersection of data, AI, creativity, and technology, we drive transformation for leading organizations, including L’Oréal, Mars, Audi, P&G, Volkswagen Dolby, and more. At Valtech, we don’t just talk about transformation. We make it happen. Our people are the heart of our success, and we foster a workplace where everyone has the support to thrive, grow and innovate. Are you ready to create what’s next? Join us.
ABOUT PERMIRA Permira is a global investment firm that backs successful businesses with growth ambitions. Founded in 1985, the firm advises funds across two core asset classes, private equity and credit, with total committed capital of approximately €89bn. The Permira private equity funds make both buyout and growth equity investments in four key sectors: Technology, Consumer, Healthcare and Services. The Permira credit funds support businesses with flexible financing solutions across Direct Lending, Strategic Opportunities and CLO Management. Established in 2007, the firm advises investment funds and products which have provided approximately €25 billion of debt capital to over 300 businesses. Permira Credit is seeking to recruit an Associate to join its Portfolio Monitoring team focused on Direct Lending in Madrid. This is a highly analytical role sitting at the intersection of portfolio management, credit analysis and fund management. The successful candidate will build and maintain sophisticated portfolio and fund-level models while using those outputs to support portfolio monitoring, valuation, risk management and investment decision-making across the direct lending platform. The role will also play a key part in the aggregation, validation and analysis of asset and fund-level data. The successful candidate will be responsible for validating, transforming and aggregating data from multiple sources into a standardised format, and producing meaningful reports and analytical outputs. Key Responsibilities * Building, maintaining and enhancing detailed fund-level models, including distribution waterfall, cash flow, leverage and return (IRR / MOIC) models across the direct lending funds * Undertaking detailed financial and credit analysis to monitor the performance of assets within the funds, including covenant compliance, liquidity, leverage, and refinancing risk * Running scenario, sensitivity and stress-testing analyses at both the asset and fund level to support portfolio construction and investment decisions * Aggregating, validating and reconciling portfolio, borrower and fund-level data from multiple internal and external sources to produce portfolio analytics, management information, reports and datasheets for internal and external stakeholders * Supporting the monitoring, modelling and management of fund leverage facilities * Undertaking deployment and pipeline analysis to assess the impact on portfolio construction and fund returns * Maintaining and improving the suite of monitoring models and tools, including automation and version control to ensure model integrity and rigorous validation of the underlying data * Responding to ad hoc requests for information from the investor relations team * Creating relevant reports, dashboards and analyses for internal and external use cases * Preparing ad hoc presentations in PowerPoint * Any other duties as required from time to time Qualifications Required * Academic background in a numerate discipline such as Economics, Finance, Mathematics, Statistics, Engineering, Physics, Computer Science or a related field * A postgraduate degree in a quantitative or financial discipline is an advantage * Progress towards, or completion of, the CFA / ACA / CIMA is an advantage but not a prerequisite Experience Required * A minimum of 3 years’ relevant work experience within a financial services firm, ideally within investment management, investment banking, private credit / leveraged finance, or a top-tier advisory boutique * Demonstrable experience building and maintaining complex financial models from first principles – including LBO, leveraged credit and / or fund-level models * Experience in leveraged finance, private credit, or corporate finance is an advantage Essential Skills and Characteristics * Exceptional financial modelling skills, with the ability to build, audit and stress-test complex LBO, leveraged credit and fund-level models in Excel from first principles * Advanced Excel skills are essential; knowledge of VBA, Python (or another programming language) and Power BI is a distinct advantage * Strong understanding of leveraged finance, credit and private markets, including capital structures, debt instruments and fund economics (e.g. distribution waterfalls, IRR / MOIC) * Excellent written and verbal communication skills – fluent written and spoken English * A keen interest in business and, in particular, the dynamics of private credit and leveraged finance * Exceptional attention to detail and a rigorous, analytical mindset * Team focused and good at quickly building relationships with colleagues across the organisation * Effective planning and organisation skills; ability to prioritise tasks and deliver to deadlines * Self-starter with a high level of motivation, integrity, energy and enthusiasm * Ability to multi-task with excellent time management skills and a strong stakeholder focus * Inquisitive mindset with an eagerness to learn and make improvements * Resilient and willing to work to tight deadlines and under pressure To learn how we handle your personal data during the recruitment process, please review our Candidate Privacy Policy. 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