Marshmallow

Data Scientist

• Provide technical leadership for data science across Claims Fraud, shaping the approach to risk decisioning and fraud detection in partnership with Product and Engineering.
• Design, build and iterate on production ML and Generative AI/LLM systems that support claims validation and automation.
• Collaborate closely with other Claims data scientists to bring system-level thinking to how models, data and workflows fit together, identifying architectural improvements needed to scale decisioning and reduce time-to-production.
• Be vocal about the platform and tooling investments needed (monitoring, feedback loops, QA) to achieve AI-driven end to end claims automation.
• Advocate for robust, scalable, and strategically aligned technical solutions in cross-functional discussions, ensuring current systems and infrastructure contribute to the multi-year vision for automated claims handling.
• Set a high bar for statistical rigour, experimentation and measurement, helping improve how Claims performance and uncertainty are understood and communicated to senior stakeholders.

Principal Data Scientist

Financial Planning and Analysis

• Supporting our broker and dealer partners to get Hire Purchase deals completed - think chasing invoices, discussing loan limits/deposits, setting clear expectations to move deals forward
• Assessing applicant affordability and suitability using our Underwriting Guidelines, Credit Risk models and interpreting both agency credit report data and Open Banking reports
• Making decisions (with guidance initially) on who we should lend to
• Identifying areas where processes can be improved via automation and AI, and working closely with our engineering team to implement ideas
• Working with the Car Finance Ops Team Lead, GM and Head of Risk to set and track performance KPI’s, constantly challenging what ‘great’ looks like
• Actively collaborating with cross-functional teams including Engineering, Product Design and Risk, as well as wider parts of the business (Complaints, Collections) to resolve complex issues
• Providing real-time customer support via email, phone WhatsApp etc, ensuring effective and efficient communication - everything from welcome calls to our new customers through to setting up payment plans with customers who have missed payments
• Abandoned Basket (ABBA) conversion - turning ‘stuck’ deals into completed deals using your initiative and determination
• Adapting your ways of working quickly - processes and software change rapidly in car finance - no two days will be the same!

Senior Customer Operations Executive, Car Finance

Performance Marketing

• Take ownership of day-to-day Paid Social channel activities to deliver effective performance.
• Manage and optimise budgets across campaigns focussed on efficiency and delivery against KPI and key results.
• Execute integrated full-funnel campaigns across awareness, prospecting and retargeting.
• Actively collaborate with data on existing and evolving KPI and metric frameworks.
• Brief and iterate creative with internal creative partners based on performance and audience insights.
• Support the setup and execution of incrementality or lift testing in partnership with data team.
• Identify cross-channel opportunities and share insights on audience and creative.
• Confidently forecast channel level performance to support planning and budget management.
• Partner with the influencer team to activate and include influencer content in paid social campaigns.
• Report to stakeholders, translating performance into business outcomes.

Performance Marketing Manager – Paid Social

Operations

• Own the day-to-day operations of our car finance product, from customer queries to dealer and broker interactions, ensuring a smooth, reliable experience for all stakeholders.
• Lead our underwriting and collections workflows, applying clear credit rules and judgement to help us write high‑quality business and manage risk effectively.
• Directly build automation and AI into our operational workflows, using best in class AI tools, and working alongside our dedicated engineering and product team.
• Build strong, responsive relationships with introducers (dealers and brokers), becoming their go-to contact and keeping applications moving quickly and transparently.
• Proactively identify operational pain points and inefficiencies, feeding these into our product, engineering and credit teams to design better processes and tools.
• Take full ownership for outcomes in your area, flexing to support weekend or out‑of‑hours needs when required and working closely with a small, high‑performing team to get things done.

Customer Operations Lead

Operations & Automation Associate

Pricing Analyst

• Developing a deep understanding of Marshmallow’s quote, policy and claims data and use this to derive insights that can be used to enhance our pricing.
• Owning one of the strategic initiatives of the pricing team, such as supporting our expansion plans, strengthening our claims modelling sophistication or developing our API architecture.
• Contributing to & upholding the design of our roadmap and culture across the Pricing & UW function.
• Communicating & getting buy-in for your plans to heads of & directors cross-functionally.
• Conducting claims analysis and claims modelling using Python and SQL.
• Conducting price optimisation and forecasting analysis/modelling using Python.
• Building and deploying models in APIs for use in real time pricing.
• Identify new sources of external data that enable us to refine our view of claims risk, and conduct analysis to quantify their value.
• Working directly with our Engineering & Machine Learning functions to implement pricing proposals.
• Providing analytical support in relationships with reinsurers, regulators and other partners.
• Working within the wider data science community on longer term R&D projects.
• Providing pricing support for the launch of multiple new products.

Risk Pricing Manager

Analytics Engineer

• Build for a Multi-Product World
• Data Modelling at Scale: Design and maintain scalable, reliable data models that support multiple products and customer journeys, ensuring consistency across insurance, payments, retention, claims, fraud, and upcoming new products like car finance.
• Cross-Domain Collaboration: Partner with product, operations, fraud, claims, retention, and growth teams to design datasets that drive real-time decisions, personalisation, and pricing optimisation for each product line.
• Collaboratively Set Standards
• Champion Modern Best Practices: Act as the subject matter expert for DBT, Snowflake, and Looker, setting the gold standard for how multi-product data models are built, tested, and optimised.
• Coach Across the Business: Enable analysts, scientists, and engineers to self-serve effectively by building curated data layers and reusable tools.
• Enable Fast, Autonomous Growth
• Optimise for Speed and Cost: Tune our data platform to deliver faster queries, lower cloud costs, and seamless onboarding of new products — key to enabling rapid product experimentation and scale.
• Data as a Product: Treat our data models as products themselves — reliable, observable, and optimised for customer impact across insurance, payments, loyalty, and future offerings.
• Solve Hard Problems
• Own the Full Stack: Gain deep expertise in the full data platform (AWS, Snowflake, DBT, Looker, orchestration frameworks) to deliver safe, reliable solutions at pace.
• Automation & Efficiency: Build with a bias towards automation and reusability, essential for scaling multiple product lines without a linear increase in complexity or cost.