We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.
But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.
To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.
We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.
We are not able to offer visa sponsorship for this position.
This role will sit in the Pricing Team, reporting into the Pricing Data Science Manager. The team is responsible for managing our loss ratio, underwriting footprint, broker optimisation and growth targets, proving integral to driving the business forwards. But you’ve probably read that all before! So what’s new?
We work in a very different way to most pricing teams that you might be familiar with. Everyone in Pricing has the potential to make significant contribution to the business, taking ownership, moving fast, innovating and delivering changes to our rates at high frequency.
We don’t just churn out GLMs all day. We build & deploy exceptional in-house pricing data science models using the latest modelling techniques. You’ll work alongside other Pricing Data Scientists & Analysts pushing innovative pricing projects, whilst also being able to work with the wider Data Science community on modelling customer behaviour, fraud & MLENG enhancements.
We work alongside a bunch of amazing engineers who ensure we can implement our decisions quickly. We also have access to huge amounts of data. We don’t just mean your standard policy, claims and quote data. Our engineers spend their lives building APIs to third parties so that we know more about our customers than any of our competitors.
All of this means that you’ll have access to as much data as you can handle, the freedom to be creative, the backing of senior leaders to make decisions, and the ability to see your ideas implemented rapidly. And on top of all of that, we’re a pretty fun group to hang around with!
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.
Own one of the strategic initiatives of the pricing team, such as supporting our expansion plans or protecting our renewing customers.
Conducting claims analysis and claims modelling using SQL and Python.
Conducting price optimisation 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 & MLENG functions to implement pricing proposals.
Providing pricing support for the launch of multiple new products.
Proactive: You drive growth by identifying & delivering new opportunities
Modeller: You use your DS expertise to build innovative best in class models
Commercial: You directly use your models as tools to deliver timely real world impact
Curious: You aren’t satisfied with ‘That’s just how it is’; you immediately investigate further
Owner: You don’t just pull existing levers - you own end to end transformation in your area
Opinionated: You generate your own opinions & pitch to others in an open & honest way
Explainer: You can communicate complicated concepts in a simple way to non-experts
Networker: You build and maintain strong relationships throughout the business
Ability to interrogate data and conduct pricing analysis within SQL & Python/R
Ability to build GLMs, GBMs and other claims models within Python/R
Experience working in a data driven (ideally commercial) role (quant, credit, fraud etc)
Bonus scheme designed to reward high performance
Private medical insurance with Vitality, mental health support with Oliva
Personal learning budget and 2 dedicated L&D days a year
Monthly flexible benefits budget to spend as you choose
25 days holiday plus bank holidays
4 weeks Work From Anywhere per year
Initial call with a member from our Talent Team (30 mins)
Combined Past Experience & Technical interview (90 mins)
Onsite Culture interviews (90 mins)
Diversity of thought
We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.
","descriptionPlain":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.\n\n\n\nBut we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.\n\n\n\nTo achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.\n\n\n\nWe’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.\n\n\n\n\nLONDON (HYBRID, 3 DAYS IN OFFICE)\n\nWe are not able to offer visa sponsorship for this position.\n\n \n\n\nPRICING AT MARSHMALLOW\n\nThis role will sit in the Pricing Team, reporting into the Pricing Data Science Manager. The team is responsible for managing our loss ratio, underwriting footprint, broker optimisation and growth targets, proving integral to driving the business forwards. But you’ve probably read that all before! So what’s new?\n\nWe work in a very different way to most pricing teams that you might be familiar with. Everyone in Pricing has the potential to make significant contribution to the business, taking ownership, moving fast, innovating and delivering changes to our rates at high frequency.\n\nWe don’t just churn out GLMs all day. We build & deploy exceptional in-house pricing data science models using the latest modelling techniques. You’ll work alongside other Pricing Data Scientists & Analysts pushing innovative pricing projects, whilst also being able to work with the wider Data Science community on modelling customer behaviour, fraud & MLENG enhancements.\n\nWe work alongside a bunch of amazing engineers who ensure we can implement our decisions quickly. We also have access to huge amounts of data. We don’t just mean your standard policy, claims and quote data. Our engineers spend their lives building APIs to third parties so that we know more about our customers than any of our competitors.\n\nAll of this means that you’ll have access to as much data as you can handle, the freedom to be creative, the backing of senior leaders to make decisions, and the ability to see your ideas implemented rapidly. And on top of all of that, we’re a pretty fun group to hang around with!\n\n \n\n\nWHAT YOU’LL BE DOING\n\n - 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.\n\n - Own one of the strategic initiatives of the pricing team, such as supporting our expansion plans or protecting our renewing customers.\n\n - Conducting claims analysis and claims modelling using SQL and Python.\n\n - Conducting price optimisation analysis/modelling using Python.\n\n - Building and deploying models in APIs for use in real time pricing.\n\n - Identify new sources of external data that enable us to refine our view of claims risk, and conduct analysis to quantify their value.\n\n - Working directly with our Engineering & MLENG functions to implement pricing proposals.\n\n - Providing pricing support for the launch of multiple new products.\n\n\nWHO ARE YOU?\n\n - Proactive: You drive growth by identifying & delivering new opportunities \n\n - Modeller: You use your DS expertise to build innovative best in class models\n\n - Commercial: You directly use your models as tools to deliver timely real world impact\n\n - Curious: You aren’t satisfied with ‘That’s just how it is’; you immediately investigate further\n\n - Owner: You don’t just pull existing levers - you own end to end transformation in your area\n\n - Opinionated: You generate your own opinions & pitch to others in an open & honest way\n\n - Explainer: You can communicate complicated concepts in a simple way to non-experts\n\n - Networker: You build and maintain strong relationships throughout the business\n\n\nWHAT SKILLS ARE WE LOOKING FOR FROM YOU?\n\n - Ability to interrogate data and conduct pricing analysis within SQL & Python/R\n\n - Ability to build GLMs, GBMs and other claims models within Python/R\n\n - Experience working in a data driven (ideally commercial) role (quant, credit, fraud etc)\n\n \n\n\nPERKS OF THE JOB\n\n - Bonus scheme designed to reward high performance\n\n - Private medical insurance with Vitality, mental health support with Oliva\n\n - Personal learning budget and 2 dedicated L&D days a year\n\n - Monthly flexible benefits budget to spend as you choose\n\n - 25 days holiday plus bank holidays\n\n - 4 weeks Work From Anywhere per year\n\n\nOUR PROCESS\n\n - Initial call with a member from our Talent Team (30 mins)\n\n - Combined Past Experience & Technical interview (90 mins)\n\n - Onsite Culture interviews (90 mins)\n\nDiversity of thought\n\nWe know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply."},{"id":"9c4c710f-6e8a-4081-84ad-325d58832e3b","title":"Principal Data Scientist","department":"Data","team":"Data Science","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-06T16:27:29.872+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"London","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/marshmallow/9c4c710f-6e8a-4081-84ad-325d58832e3b","applyUrl":"https://jobs.ashbyhq.com/marshmallow/9c4c710f-6e8a-4081-84ad-325d58832e3b/application","descriptionHtml":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.
But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.
To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.
We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.
We are able to offer visa sponsorship for this position.
Our Data Science team partners across the business to turn data into better decisions, smarter products, and simpler customer journeys. We work closely with Product, Engineering, and Operations to build and ship models and AI systems that are reliable in production and deliver measurable impact.
Within Data Science, this role sits in Claims, supporting the function and the broader ambition to automate more of the claims journey. Claims is one of Marshmallow's most important customer touchpoints, and we're looking for a Principal Data Scientist who can provide technical leadership across traditional ML and Generative AI, bring system-level thinking to how we scale decisioning, and confidently challenge proposals to ensure we build robust, sustainable solutions.
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
You think in systems: you can connect the dots between data science, engineering, and product to shape scalable solutions that build on each other over time.
You're confident in challenging assumptions and pushing for the right approach, using strong communication skills to influence stakeholders across seniority levels and disciplines with clear, pragmatic reasoning.
You thrive in ambiguity and change, staying resilient and effective during transitions while bringing structure, clarity, and momentum to complex problem spaces.
You're motivated by real-world impact, partnering closely with cross-functional teams to drive meaningful automation and better customer outcomes across the claims journey.
Significant commercial experience delivering end-to-end Machine Learning solutions, from problem framing and experimentation through to production deployment and ongoing monitoring
Hands-on experience building and shipping Generative AI systems in production (not just prototypes), including evaluation, safety/quality considerations, and integration into customer or operational workflows
Strong statistical and modelling foundation, with experience in risk-based decisioning under uncertainty (e.g., fraud, credit, insurance, or other regulated domains)
Proven ability to influence technical direction across Data Science and Engineering, including shaping scalable model/service integration patterns and challenging proposals to drive robust, long-term solutions
Strong stakeholder management skills, with confidence communicating trade-offs and pushing back constructively with Product and Engineering to ensure high-quality outcomes
Bonus scheme designed to reward high performance
Private medical insurance with Vitality, mental health support with Oliva
Personal learning budget and 2 dedicated L&D days a year
Monthly flexible benefits budget to spend as you choose
25 days holiday plus bank holidays
4 weeks Work From Anywhere per year
Initial call with a member from our Talent Team (30 mins)
Past Experience interview with Hiring Manager (60 mins)
Systems Design & Technical interview with a couple of the team (90 mins)
Culture interview (60 mins)
Diversity of thought
We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.
","descriptionPlain":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.\n\n\n\nBut we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.\n\n\n\nTo achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.\n\n\n\nWe’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.\n\n\n\n\nLONDON (HYBRID, 3 DAYS IN OFFICE)\n\nWe are able to offer visa sponsorship for this position.\n\n\n\n\nDATA SCIENCE AT MARSHMALLOW\n\nOur Data Science team partners across the business to turn data into better decisions, smarter products, and simpler customer journeys. We work closely with Product, Engineering, and Operations to build and ship models and AI systems that are reliable in production and deliver measurable impact.\n\nWithin Data Science, this role sits in Claims, supporting the function and the broader ambition to automate more of the claims journey. Claims is one of Marshmallow's most important customer touchpoints, and we're looking for a Principal Data Scientist who can provide technical leadership across traditional ML and Generative AI, bring system-level thinking to how we scale decisioning, and confidently challenge proposals to ensure we build robust, sustainable solutions.\n\n\n\n\nWHAT YOU'LL BE DOING\n\n - Provide technical leadership for data science across Claims Fraud, shaping the approach to risk decisioning and fraud detection in partnership with Product and Engineering\n\n - Design, build and iterate on production ML and Generative AI/LLM systems that support claims validation and automation\n\n - 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\n\n - Be vocal about the platform and tooling investments needed (monitoring, feedback loops, QA) to achieve AI-driven end to end claims automation\n\n - 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\n\n - Set a high bar for statistical rigour, experimentation and measurement, helping improve how Claims performance and uncertainty are understood and communicated to senior stakeholders\n\n\nWHO YOU ARE\n\n - You think in systems: you can connect the dots between data science, engineering, and product to shape scalable solutions that build on each other over time.\n\n - You're confident in challenging assumptions and pushing for the right approach, using strong communication skills to influence stakeholders across seniority levels and disciplines with clear, pragmatic reasoning.\n\n - You thrive in ambiguity and change, staying resilient and effective during transitions while bringing structure, clarity, and momentum to complex problem spaces.\n\n - You're motivated by real-world impact, partnering closely with cross-functional teams to drive meaningful automation and better customer outcomes across the claims journey.\n\n\nWHAT YOU'LL BRING\n\n - Significant commercial experience delivering end-to-end Machine Learning solutions, from problem framing and experimentation through to production deployment and ongoing monitoring\n\n - Hands-on experience building and shipping Generative AI systems in production (not just prototypes), including evaluation, safety/quality considerations, and integration into customer or operational workflows\n\n - Strong statistical and modelling foundation, with experience in risk-based decisioning under uncertainty (e.g., fraud, credit, insurance, or other regulated domains)\n\n - Proven ability to influence technical direction across Data Science and Engineering, including shaping scalable model/service integration patterns and challenging proposals to drive robust, long-term solutions\n\n - Strong stakeholder management skills, with confidence communicating trade-offs and pushing back constructively with Product and Engineering to ensure high-quality outcomes\n\n\n\n\nPERKS OF THE JOB\n\n - Bonus scheme designed to reward high performance\n\n - Private medical insurance with Vitality, mental health support with Oliva\n\n - Personal learning budget and 2 dedicated L&D days a year\n\n - Monthly flexible benefits budget to spend as you choose\n\n - 25 days holiday plus bank holidays\n\n - 4 weeks Work From Anywhere per year\n\n\nOUR PROCESS\n\n - Initial call with a member from our Talent Team (30 mins)\n\n - Past Experience interview with Hiring Manager (60 mins)\n\n - Systems Design & Technical interview with a couple of the team (90 mins)\n\n - Culture interview (60 mins)\n\nDiversity of thought\n\nWe know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply."},{"id":"beb98aec-a226-4ae1-8d84-f08a6f4be675","title":"Customer Care Executive","department":"Customer Care","team":"Customer Care","employmentType":"FullTime","location":"Budapest","secondaryLocations":[],"publishedAt":"2026-10-13T11:18:32.156+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"Budapest","addressCountry":"Hungary","addressLocality":"Budapest"}},"jobUrl":"https://jobs.ashbyhq.com/marshmallow/beb98aec-a226-4ae1-8d84-f08a6f4be675","applyUrl":"https://jobs.ashbyhq.com/marshmallow/beb98aec-a226-4ae1-8d84-f08a6f4be675/application","descriptionHtml":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.
But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.
To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.
We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.
This is a full time position and the start date for this role is the 30th of November.
The Customer Operations Team
Our Customer Care function delivers outstanding day-to-day service while managing critical conversations. By working as a single, cohesive team, we resolve queries efficiently, reduce churn, and increase the lifetime value of our customers.
We combine human expertise with AI and automation to deliver fast, high-quality support. This allows our team to represent the human face of the Marshmallow brand, focusing their energy on the complex conversations where they can truly make the biggest difference.
Please note we are not in a position to offer sponsorship and/or a visa for this position.
Real-Time Support: Providing exceptional support via live chat, ensuring clear, empathetic, and professional communication.
Your Onboarding: This journey is designed to empower you through classroom sessions, coaching, and shadowing.
Broadening Your Impact: As you master the role, you’ll support the full customer journey, guiding them through their most critical moments.
Continuous Improvement: You’ll collaborate with cross-functional teams and work alongside senior agents and coaches to improve our internal processes.
Development & Performance: Working closely with your Team Leader, you’ll track your progress through CSAT scores, quality audits, and productivity metrics.
Adaptable: You thrive in a dynamic start-up environment where change is the only constant.
Passionate & Empathetic: You are driven to deliver exceptional service and can simplify complex information for anyone to understand.
A Problem Solver: You ask the right questions before jumping to answers and stay calm under pressure.
Curious & Proactive: You aren't afraid to ask \"silly\" questions and you look for solutions rather than waiting for instructions.
Growth-Oriented: You are a team player who is open to feedback and eager to take ownership of your career path.
Exceptional Communication: You have C1-level English skills and the interpersonal flair to collaborate across teams and resolve complex customer issues effectively.
Dynamic Task Management: You can prioritize and manage multiple tasks in a fast-paced environment, consistently meeting tight deadlines.
Efficient Digital Support: You’re a confident, fast typer capable of managing multiple live chats per hour with ease and accuracy.
Customer-First Mindset: You bring a commitment to providing exceptional service, ideally backed by previous experience in a customer-facing role.
Flexible Schedule: You’re comfortable working a rotating shift pattern (Monday to Friday with some evenings and weekends days per month), with no night shifts.
Before applying, please read through our info guide about our process, shift patterns, and onboarding.
Bonus scheme designed to reward high performance
Private healthcare with Medicare, mental health support with Oliva
Personal learning budget and dedicated L&D time
Monthly SZÉP card budget to spend as you choose
4 weeks Work From Anywhere per year
Salary: Starting from gross 600.000 HUF monthly. We determine compensation based on relevant skills, experience and role alignment. Candidates bringing significant additional experience, specialist expertise or highly relevant capabilities may be considered for a higher starting salary.
During our initial conversation, we’ll talk through two different selection process options and discuss which one would suit you best.
Initial call with one of our Talent Acquisition team (30 mins)
A short online exercise
A technical & culture interview (60 mins)
Diversity of thought
We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.
","descriptionPlain":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.\n\n\n\nBut we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.\n\n\n\nTo achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.\n\n\n\nWe’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.\n\n\n\nThis is a full time position and the start date for this role is the 30th of November.\n\n\n\nThe Customer Operations Team\n\nOur Customer Care function delivers outstanding day-to-day service while managing critical conversations. By working as a single, cohesive team, we resolve queries efficiently, reduce churn, and increase the lifetime value of our customers.\nWe combine human expertise with AI and automation to deliver fast, high-quality support. This allows our team to represent the human face of the Marshmallow brand, focusing their energy on the complex conversations where they can truly make the biggest difference.\n\nPlease note we are not in a position to offer sponsorship and/or a visa for this position.\n\n\n\n\nWHAT YOU’LL BE DOING\n\n - Real-Time Support: Providing exceptional support via live chat, ensuring clear, empathetic, and professional communication.\n\n - Your Onboarding: This journey is designed to empower you through classroom sessions, coaching, and shadowing.\n\n - Broadening Your Impact: As you master the role, you’ll support the full customer journey, guiding them through their most critical moments.\n\n - Continuous Improvement: You’ll collaborate with cross-functional teams and work alongside senior agents and coaches to improve our internal processes.\n\n - Development & Performance: Working closely with your Team Leader, you’ll track your progress through CSAT scores, quality audits, and productivity metrics.\n\n\nWHO YOU ARE\n\n - Adaptable: You thrive in a dynamic start-up environment where change is the only constant.\n\n - Passionate & Empathetic: You are driven to deliver exceptional service and can simplify complex information for anyone to understand.\n\n - A Problem Solver: You ask the right questions before jumping to answers and stay calm under pressure.\n\n - Curious & Proactive: You aren't afraid to ask \"silly\" questions and you look for solutions rather than waiting for instructions.\n\n - Growth-Oriented: You are a team player who is open to feedback and eager to take ownership of your career path.\n\n\nWHAT WE’RE LOOKING FOR\n\n - Exceptional Communication: You have C1-level English skills and the interpersonal flair to collaborate across teams and resolve complex customer issues effectively.\n\n - Dynamic Task Management: You can prioritize and manage multiple tasks in a fast-paced environment, consistently meeting tight deadlines.\n\n - Efficient Digital Support: You’re a confident, fast typer capable of managing multiple live chats per hour with ease and accuracy.\n\n - Customer-First Mindset: You bring a commitment to providing exceptional service, ideally backed by previous experience in a customer-facing role.\n\n - Flexible Schedule: You’re comfortable working a rotating shift pattern (Monday to Friday with some evenings and weekends days per month), with no night shifts.\n\nBefore applying, please read through our info guide https://getmarshmallow.notion.site/Customer-Operations-pack-2f7c6747c7338228b19181b951438a08?pvs=143 about our process, shift patterns, and onboarding.\n\n\nPERKS OF THE JOB\n\n - Bonus scheme designed to reward high performance\n\n - Private healthcare with Medicare, mental health support with Oliva\n\n - Personal learning budget and dedicated L&D time\n\n - Monthly SZÉP card budget to spend as you choose\n\n - 4 weeks Work From Anywhere per year\n\nSalary: Starting from gross 600.000 HUF monthly. We determine compensation based on relevant skills, experience and role alignment. Candidates bringing significant additional experience, specialist expertise or highly relevant capabilities may be considered for a higher starting salary.\n\n\n\n\nOUR PROCESS\n\nDuring our initial conversation, we’ll talk through two different selection process options and discuss which one would suit you best.\n\n - Initial call with one of our Talent Acquisition team (30 mins)\n\n - A short online exercise\n\n - A technical & culture interview (60 mins)\n \n \n\nDiversity of thought\n\nWe know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply."},{"id":"ecb457b5-1773-496c-a8b5-fabec42759e2","title":"Staff Data Scientist","department":"Data","team":"Data Science","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-06T16:27:31.884+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"London","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/marshmallow/ecb457b5-1773-496c-a8b5-fabec42759e2","applyUrl":"https://jobs.ashbyhq.com/marshmallow/ecb457b5-1773-496c-a8b5-fabec42759e2/application","descriptionHtml":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.
But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.
To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.
We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.
We are able to offer visa sponsorship for this position.
Our Data Science team partners across the business to turn data into better decisions, smarter products, and simpler customer journeys. We work closely with Product, Engineering, and Operations to build and ship models and AI systems that are reliable in production and deliver measurable impact.
Within Data Science, this role sits in Claims, supporting the function and the broader ambition to automate more of the claims journey. Claims is one of Marshmallow's most important customer touchpoints, and we're looking for a Staff Data Scientist who can provide technical leadership across traditional ML and Generative AI, bring system-level thinking to how we scale decisioning, and confidently challenge proposals to ensure we build robust, sustainable solutions.
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
You think in systems: you can connect the dots between data science, engineering, and product to shape scalable solutions that build on each other over time.
You're confident in challenging assumptions and pushing for the right approach, using strong communication skills to influence stakeholders across seniority levels and disciplines with clear, pragmatic reasoning.
You thrive in ambiguity and change, staying resilient and effective during transitions while bringing structure, clarity, and momentum to complex problem spaces.
You're motivated by real-world impact, partnering closely with cross-functional teams to drive meaningful automation and better customer outcomes across the claims journey.
Significant commercial experience delivering end-to-end Machine Learning solutions, from problem framing and experimentation through to production deployment and ongoing monitoring
Hands-on experience building and shipping Generative AI systems in production (not just prototypes), including evaluation, safety/quality considerations, and integration into customer or operational workflows
Strong statistical and modelling foundation, with experience in risk-based decisioning under uncertainty (e.g., fraud, credit, insurance, or other regulated domains)
Proven ability to influence technical direction across Data Science and Engineering, including shaping scalable model/service integration patterns and challenging proposals to drive robust, long-term solutions
Strong stakeholder management skills, with confidence communicating trade-offs and pushing back constructively with Product and Engineering to ensure high-quality outcomes
Bonus scheme designed to reward high performance
Private medical insurance with Vitality, mental health support with Oliva
Personal learning budget and 2 dedicated L&D days a year
Monthly flexible benefits budget to spend as you choose
25 days holiday plus bank holidays
4 weeks Work From Anywhere per year
Initial call with a member from our Talent Team (30 mins)
Past Experience interview with Hiring Manager (60 mins)
Systems Design & Technical interview with a couple of the team (90 mins)
Culture interview (60 mins)
Diversity of thought
We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.
","descriptionPlain":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.\n\n\n\nBut we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.\n\n\n\nTo achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.\n\n\n\nWe’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.\n\n\n\n\nLONDON (HYBRID, 3 DAYS IN OFFICE)\n\nWe are able to offer visa sponsorship for this position.\n\n\n\n\nDATA SCIENCE AT MARSHMALLOW\n\nOur Data Science team partners across the business to turn data into better decisions, smarter products, and simpler customer journeys. We work closely with Product, Engineering, and Operations to build and ship models and AI systems that are reliable in production and deliver measurable impact.\n\nWithin Data Science, this role sits in Claims, supporting the function and the broader ambition to automate more of the claims journey. Claims is one of Marshmallow's most important customer touchpoints, and we're looking for a Staff Data Scientist who can provide technical leadership across traditional ML and Generative AI, bring system-level thinking to how we scale decisioning, and confidently challenge proposals to ensure we build robust, sustainable solutions.\n\n\n\n\nWHAT YOU'LL BE DOING\n\n - Provide technical leadership for data science across Claims Fraud, shaping the approach to risk decisioning and fraud detection in partnership with Product and Engineering\n\n - Design, build and iterate on production ML and Generative AI/LLM systems that support claims validation and automation\n\n - 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\n\n - Be vocal about the platform and tooling investments needed (monitoring, feedback loops, QA) to achieve AI-driven end to end claims automation\n\n - 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\n\n - Set a high bar for statistical rigour, experimentation and measurement, helping improve how Claims performance and uncertainty are understood and communicated to senior stakeholders\n\n\nWHO YOU ARE\n\n - You think in systems: you can connect the dots between data science, engineering, and product to shape scalable solutions that build on each other over time.\n\n - You're confident in challenging assumptions and pushing for the right approach, using strong communication skills to influence stakeholders across seniority levels and disciplines with clear, pragmatic reasoning.\n\n - You thrive in ambiguity and change, staying resilient and effective during transitions while bringing structure, clarity, and momentum to complex problem spaces.\n\n - You're motivated by real-world impact, partnering closely with cross-functional teams to drive meaningful automation and better customer outcomes across the claims journey.\n\n\nWHAT YOU'LL BRING\n\n - Significant commercial experience delivering end-to-end Machine Learning solutions, from problem framing and experimentation through to production deployment and ongoing monitoring\n\n - Hands-on experience building and shipping Generative AI systems in production (not just prototypes), including evaluation, safety/quality considerations, and integration into customer or operational workflows\n\n - Strong statistical and modelling foundation, with experience in risk-based decisioning under uncertainty (e.g., fraud, credit, insurance, or other regulated domains)\n\n - Proven ability to influence technical direction across Data Science and Engineering, including shaping scalable model/service integration patterns and challenging proposals to drive robust, long-term solutions\n\n - Strong stakeholder management skills, with confidence communicating trade-offs and pushing back constructively with Product and Engineering to ensure high-quality outcomes\n\n\n\n\nPERKS OF THE JOB\n\n - Bonus scheme designed to reward high performance\n\n - Private medical insurance with Vitality, mental health support with Oliva\n\n - Personal learning budget and 2 dedicated L&D days a year\n\n - Monthly flexible benefits budget to spend as you choose\n\n - 25 days holiday plus bank holidays\n\n - 4 weeks Work From Anywhere per year\n\n\nOUR PROCESS\n\n - Initial call with a member from our Talent Team (30 mins)\n\n - Past Experience interview with Hiring Manager (60 mins)\n\n - Systems Design & Technical interview with a couple of the team (90 mins)\n\n - Culture interview (60 mins)\n\nDiversity of thought\n\nWe know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply."},{"id":"6c189704-38a9-4702-acf3-637df0cef656","title":"Senior CRM Operations Manager ","department":"Design","team":"Design","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-07-20T07:16:49.278+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"addressRegion":"London","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/marshmallow/6c189704-38a9-4702-acf3-637df0cef656","applyUrl":"https://jobs.ashbyhq.com/marshmallow/6c189704-38a9-4702-acf3-637df0cef656/application","descriptionHtml":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.
But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.
To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.
We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.
We are able to offer visa sponsorship for this position.
CRM sits within the User Experience team, helping Marshmallow build more effective, joined-up communication with our customers across the business. CRM is a meaningful driver of impact for the organisation, with clear opportunities to improve how we engage customers and measure the value of that work.
This role will help shape how CRM is used at Marshmallow by building strong foundations, enabling others to use the platform effectively, and creating the governance needed to make customer communications work better across multiple teams. We’re looking for someone who is excited by ownership, enjoys working cross-functionally, and wants to help scale CRM in a thoughtful, high-impact way. This is an individual contributor role with deep platform and governance ownership, rather than a people-management track. Your impact and progression come from the scale and quality of the systems, frameworks, and cross-team relationships you build, not from growing a team.
Own and evolve Marshmallow’s CRM operations capability, helping shape how the platform is used across the organisation.
Build strong governance frameworks for CRM activity, including how campaigns are prioritised, sequenced, and managed across teams
Enable and support stakeholders across the business to use CRM effectively, increasing adoption while maintaining quality and consistency.
Partner cross-functionally with teams across the organisation to identify opportunities, align on priorities, and improve customer communications.
Use data and testing insights to inform decisions, optimise performance, and ensure CRM activity is driving measurable impact
Drive high-quality campaign execution through strong operational processes, audience segmentation, scheduling, and platform management.
You’re a self-starter who is comfortable with a high level of autonomy and enjoys taking ownership of ambiguous, high-impact work.
You’re curious and collaborative, and you like working with lots of different stakeholders to move work forward.
You’re someone who believes in enabling others, not gatekeeping expertise, and you’re motivated by helping teams do better work together
You’re commercially minded and pragmatic, with a strong instinct for where to focus your time to unlock the most value
Experience working in CRM operations or CRM management within an in-house, tech-led business, with a strong understanding of growth-focused customer communications.
Recent hands-on experience with Braze is needed for the role, alongside practical experience building and managing CRM campaigns, segmentation, metadata, scheduling, and audience setup
Proven experience creating CRM governance and enabling other teams to use CRM effectively across an organisation
Strong data literacy, including analysing campaign or email test performance, pulling audiences and segments, and working independently with data rather than relying entirely on analyst support.
Confidence in using data tools or AI-assisted analysis to generate insights and support decision-making.
Bonus scheme designed to reward high performance
Private medical insurance with Vitality, mental health support with Oliva
Personal learning budget and 2 dedicated L&D days a year
Monthly flexible benefits budget to spend as you choose
25 days holiday plus bank holidays
4 weeks Work From Anywhere per year
Initial call with a member from our Talent Team (30 mins)
Past Experience interview with Hiring Manager (60 mins)
Onsite case study interview with a couple of the team (90 mins)
Culture interview (60 mins)
Diversity of thought
We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.
","descriptionPlain":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.\n\n\n\nBut we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.\n\n\n\nTo achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.\n\n\n\nWe’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.\n\n\n\n\nLONDON (HYBRID, 3 DAYS IN OFFICE)\n\nWe are able to offer visa sponsorship for this position.\n\n \n\n\nCRM AT MARSHMALLOW\n\nCRM sits within the User Experience team, helping Marshmallow build more effective, joined-up communication with our customers across the business. CRM is a meaningful driver of impact for the organisation, with clear opportunities to improve how we engage customers and measure the value of that work.\n\nThis role will help shape how CRM is used at Marshmallow by building strong foundations, enabling others to use the platform effectively, and creating the governance needed to make customer communications work better across multiple teams. We’re looking for someone who is excited by ownership, enjoys working cross-functionally, and wants to help scale CRM in a thoughtful, high-impact way. This is an individual contributor role with deep platform and governance ownership, rather than a people-management track. Your impact and progression come from the scale and quality of the systems, frameworks, and cross-team relationships you build, not from growing a team. \n\n\n\n\n\nWHAT YOU'LL BE DOING\n\n - Own and evolve Marshmallow’s CRM operations capability, helping shape how the platform is used across the organisation.\n\n - Build strong governance frameworks for CRM activity, including how campaigns are prioritised, sequenced, and managed across teams\n\n - Enable and support stakeholders across the business to use CRM effectively, increasing adoption while maintaining quality and consistency.\n\n - Partner cross-functionally with teams across the organisation to identify opportunities, align on priorities, and improve customer communications.\n\n - Use data and testing insights to inform decisions, optimise performance, and ensure CRM activity is driving measurable impact\n\n - Drive high-quality campaign execution through strong operational processes, audience segmentation, scheduling, and platform management.\n\n\nWHO YOU ARE\n\n - You’re a self-starter who is comfortable with a high level of autonomy and enjoys taking ownership of ambiguous, high-impact work.\n\n - You’re curious and collaborative, and you like working with lots of different stakeholders to move work forward.\n\n - You’re someone who believes in enabling others, not gatekeeping expertise, and you’re motivated by helping teams do better work together\n\n - You’re commercially minded and pragmatic, with a strong instinct for where to focus your time to unlock the most value\n\n\nWHAT YOU'LL BRING\n\n - Experience working in CRM operations or CRM management within an in-house, tech-led business, with a strong understanding of growth-focused customer communications.\n\n - Recent hands-on experience with Braze is needed for the role, alongside practical experience building and managing CRM campaigns, segmentation, metadata, scheduling, and audience setup\n\n - Proven experience creating CRM governance and enabling other teams to use CRM effectively across an organisation\n\n - Strong data literacy, including analysing campaign or email test performance, pulling audiences and segments, and working independently with data rather than relying entirely on analyst support.\n\n - Confidence in using data tools or AI-assisted analysis to generate insights and support decision-making.\n \n\n\n\n\nPERKS OF THE JOB\n\n - Bonus scheme designed to reward high performance\n\n - Private medical insurance with Vitality, mental health support with Oliva\n\n - Personal learning budget and 2 dedicated L&D days a year\n\n - Monthly flexible benefits budget to spend as you choose\n\n - 25 days holiday plus bank holidays\n\n - 4 weeks Work From Anywhere per year\n\n\nOUR PROCESS\n\n - Initial call with a member from our Talent Team (30 mins)\n\n - Past Experience interview with Hiring Manager (60 mins)\n\n - Onsite case study interview with a couple of the team (90 mins)\n\n - Culture interview (60 mins)\n\nDiversity of thought\n\nWe know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply."},{"id":"3dee50f9-717b-4311-b1f3-1da2cef18c20","title":"Head of Data Science (12m fixed-term contract)","department":"Data","team":"Data Science","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-08-04T13:51:16.310+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"addressRegion":"London","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/marshmallow/3dee50f9-717b-4311-b1f3-1da2cef18c20","applyUrl":"https://jobs.ashbyhq.com/marshmallow/3dee50f9-717b-4311-b1f3-1da2cef18c20/application","descriptionHtml":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.
But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.
To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.
We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.
12m FTC - (London, hybrid 3 days a week)
Our data science team supports various business functions across our Product teams and within Pricing and Claims. Working across the full spectrum of data science problems, from traditional machine learning for risk-based decisioning through to generative AI and the automation of complex operational journeys, all within a regulated insurtech/fintech domain.
This is a hands-on leadership role for someone who can bring a team together and ensure it delivers at pace while its foundations strengthen: leading and developing the people, personally holding the bar on technical quality, and partnering closely with engineering and product. It suits a leader who is strong both leading and growing teams as well as a technical decision-maker.
The Data Science team operates as a primary commercial engine for Marshmallow, using data and machine learning to drive tangible business outcomes, from pricing strategy to operational efficiency. The team works closely with senior stakeholders and partners across data, engineering, product and commercial functions to identify the right opportunities and make thoughtful technical trade-offs. We operate with a flat structure, so leaders stay close to the people doing the work and support colleagues at different levels of experience. Our ambition is to keep raising the bar for how data science delivers impact across the business.
Backend and Infrastructure: Latest Java μService, Spring Boot with Spring Cloud, Dynamodb, Terraform, Docker, AWS Fargate, Datadog, Opslevel, and TeamCity.
Frontend and Mobile: TypeScript, CSS-in-JS (Styled Components), React, Redux, Redux Hooks, and other modern state management libraries. Kotlin on Android and Swift on iOS.
Data: SQL, Python, Snowflake, dbt, Airflow & Looker AI at Marshmallow: Sierra.ai for conversational AI, Python and LangChain for agentic AI solutions, Sagemaker and MLflow for Machine Learning, Cursor and Claude Code for developer productivity.
Drive commercial impact at every turn: Proactively identify and prioritise data science opportunities that offer the highest leverage for the business, ensuring every project is measured by its bottom-line contribution and strategic commercial alignment.
Lead the people and culture agenda for data science: set goals, manage performance and development conversations, and keep an evolving team engaged and delivering high-impact projects.
Provide hands-on technical leadership: set and hold a consistent bar on technical standards across the full modelling and data lifecycle.
Represent data science in cross-functional conversations, partnering closely with engineering, product and pricing on technical direction and trade-offs.
Build collective ownership of technical standards across Data Science, coaching people to look beyond their own domain and drive function-wide improvements to shared standards, tooling and best practice.
You bring an inherently commercial-first mindset: you don’t just build models, you build solutions that directly influence the P&L, and you constantly evaluate every technical trade-off through a rigorous lens of business value.
You make confident decisions even when the picture is still forming, and you're comfortable operating across more than one domain at once.
You have a track record of driving visible improvements to team culture, ways of working, and technical standards.
You build trust quickly with a team, and coach others to challenge and disagree constructively, to drive decisions that deliver the highest-impact outcomes
You thrive in a fast paced and ever-evolving environment; you adapt to change well (and in fact relish it!).
You like to take real ownership of your work, drive yourself forward, and work well both autonomously but also collaboratively with the team and your stakeholders.
Must have:
Excellent leadership and team management skills.
A strong background as a senior data science individual contributor, with commercial experience delivering ML solutions end to end
Proven ability to influence technical direction across Data Science and Engineering, including shaping scalable model/service integration patterns and challenging proposals to drive robust, long-term solutions.
Strong stakeholder management skills, with confidence communicating trade-offs and pushing back constructively to C-suite and senior stakeholders across different functions to ensure high-quality outcomes.
Nice to have:
Experience in insurance, fraud, or another regulated decisioning domain.
Experience of contributing towards the strategy for Gen AI within an organisation, and leading data scientists to deliver Gen AI solutions that drove measurable business value
(We cannot offer visa sponsorship for this role)
Bonus scheme designed to reward high performance
Private medical insurance with Vitality, mental health support with Oliva
Personal learning budget and 2 dedicated L&D days a year
Monthly flexible benefits budget to spend as you choose
25 days holiday plus bank holidays
4 weeks Work From Anywhere per year
Recruiter call with the Talent Acquisition team.
Past experience interview with Hannah Penfold, Hiring Manager.
Technical deep dive or case study focused on technical trade-offs, commercial thinking and influence (2 Senior Stakeholders)
Final leadership and values interviews with senior technology and commercial stakeholders, (CTO & Co-Founder)
We review every application and will always let you know the outcome, though we're unable to provide individual feedback at application stage.
Diversity of thought
We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.
","descriptionPlain":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.\n\n\n\nBut we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.\n\n\n\nTo achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.\n\n\n\nWe’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.\n\n\n\n12m FTC - (London, hybrid 3 days a week)\n\n\n\n\nDATA SCIENCE AT MARSHMALLOW\n\nOur data science team supports various business functions across our Product teams and within Pricing and Claims. Working across the full spectrum of data science problems, from traditional machine learning for risk-based decisioning through to generative AI and the automation of complex operational journeys, all within a regulated insurtech/fintech domain. \n\nThis is a hands-on leadership role for someone who can bring a team together and ensure it delivers at pace while its foundations strengthen: leading and developing the people, personally holding the bar on technical quality, and partnering closely with engineering and product. It suits a leader who is strong both leading and growing teams as well as a technical decision-maker.\n\n\n\n\nABOUT THE TEAM\n\nThe Data Science team operates as a primary commercial engine for Marshmallow, using data and machine learning to drive tangible business outcomes, from pricing strategy to operational efficiency. The team works closely with senior stakeholders and partners across data, engineering, product and commercial functions to identify the right opportunities and make thoughtful technical trade-offs. We operate with a flat structure, so leaders stay close to the people doing the work and support colleagues at different levels of experience. Our ambition is to keep raising the bar for how data science delivers impact across the business.\n\n\n\n\nPRODUCT & TECH AT MARSHMALLOW\n\nBackend and Infrastructure: Latest Java μService, Spring Boot with Spring Cloud, Dynamodb, Terraform, Docker, AWS Fargate, Datadog, Opslevel, and TeamCity.\n\nFrontend and Mobile: TypeScript, CSS-in-JS (Styled Components), React, Redux, Redux Hooks, and other modern state management libraries. Kotlin on Android and Swift on iOS.\n\nData: SQL, Python, Snowflake, dbt, Airflow & Looker AI at Marshmallow: Sierra.ai http://Sierra.ai for conversational AI, Python and LangChain for agentic AI solutions, Sagemaker and MLflow for Machine Learning, Cursor and Claude Code for developer productivity.\n\n\n\n\nWHAT YOU'LL BE DOING\n\n - Drive commercial impact at every turn: Proactively identify and prioritise data science opportunities that offer the highest leverage for the business, ensuring every project is measured by its bottom-line contribution and strategic commercial alignment.\n\n - Lead the people and culture agenda for data science: set goals, manage performance and development conversations, and keep an evolving team engaged and delivering high-impact projects.\n\n - Provide hands-on technical leadership: set and hold a consistent bar on technical standards across the full modelling and data lifecycle.\n\n - Represent data science in cross-functional conversations, partnering closely with engineering, product and pricing on technical direction and trade-offs.\n\n - Build collective ownership of technical standards across Data Science, coaching people to look beyond their own domain and drive function-wide improvements to shared standards, tooling and best practice.\n\n\n\n\nWHO YOU ARE\n\n - You bring an inherently commercial-first mindset: you don’t just build models, you build solutions that directly influence the P&L, and you constantly evaluate every technical trade-off through a rigorous lens of business value.\n\n - You make confident decisions even when the picture is still forming, and you're comfortable operating across more than one domain at once.\n\n - You have a track record of driving visible improvements to team culture, ways of working, and technical standards.\n\n - You build trust quickly with a team, and coach others to challenge and disagree constructively, to drive decisions that deliver the highest-impact outcomes\n\n - You thrive in a fast paced and ever-evolving environment; you adapt to change well (and in fact relish it!).\n\n - You like to take real ownership of your work, drive yourself forward, and work well both autonomously but also collaboratively with the team and your stakeholders.\n\n\n\n\nWHAT WE’RE LOOKING FOR FROM YOU\n\nMust have:\n\n - Excellent leadership and team management skills.\n\n - A strong background as a senior data science individual contributor, with commercial experience delivering ML solutions end to end\n\n - Proven ability to influence technical direction across Data Science and Engineering, including shaping scalable model/service integration patterns and challenging proposals to drive robust, long-term solutions.\n\n - Strong stakeholder management skills, with confidence communicating trade-offs and pushing back constructively to C-suite and senior stakeholders across different functions to ensure high-quality outcomes.\n\nNice to have:\n\n - Experience in insurance, fraud, or another regulated decisioning domain.\n\n - Experience of contributing towards the strategy for Gen AI within an organisation, and leading data scientists to deliver Gen AI solutions that drove measurable business value\n \n \n\n(We cannot offer visa sponsorship for this role)\n\n\n\n\nPERKS & BENEFITS\n\n - Bonus scheme designed to reward high performance\n\n - Private medical insurance with Vitality, mental health support with Oliva\n\n - Personal learning budget and 2 dedicated L&D days a year\n\n - Monthly flexible benefits budget to spend as you choose\n\n - 25 days holiday plus bank holidays\n\n - 4 weeks Work From Anywhere per year\n\n\n\n\nOUR PROCESS\n\n 1. Recruiter call with the Talent Acquisition team.\n\n 2. Past experience interview with Hannah Penfold, Hiring Manager.\n\n 3. Technical deep dive or case study focused on technical trade-offs, commercial thinking and influence (2 Senior Stakeholders)\n\n 4. Final leadership and values interviews with senior technology and commercial stakeholders, (CTO & Co-Founder)\n\nWe review every application and will always let you know the outcome, though we're unable to provide individual feedback at application stage.\n\nDiversity of thought\n\nWe know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply."},{"id":"034a8a61-e5ec-4aff-88db-da23473e4824","title":"Large Loss Handler","department":"Technical Claims","team":"Large Loss","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-08-04T11:21:51.593+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"London","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/marshmallow/034a8a61-e5ec-4aff-88db-da23473e4824","applyUrl":"https://jobs.ashbyhq.com/marshmallow/034a8a61-e5ec-4aff-88db-da23473e4824/application","descriptionHtml":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.
But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.
To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.
We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.
Our Large Loss Specialists handle Marshmallow’s most complex and high-value motor claims, often involving catastrophic injuries such as brain and spinal trauma, psychiatric injury, complex fractures and nerve damage.
Beyond handling claims, the team acts as a centre of technical expertise, sharing insights and driving consistency across Claims. We work closely with Complex Personal Injury colleagues, reinsurers, panel solicitors and teams across Claims, Underwriting and Pricing to deliver fair, commercially sound outcomes. As a small, highly technical team, we offer broad exposure and the opportunity to grow your authority quickly.
Managing a portfolio of high-value motor claims, typically valued above £250,000, through pre- and post-litigation.
Investigating liability, indemnity and coverage while setting proactive, commercial and empathetic claim strategies.
Reserving accurately for complex injuries and future losses, using the available evidence and tools such as PI Calc.
Identifying recovery opportunities (subrogation, contribution, and beyond) and ensuring they're actioned by the relevant teams.
Collaborating with panel solicitors, reinsurers and internal teams to reduce claim lifecycles, control legal spend and pursue recovery opportunities.
Shaping our Large Loss strategy while coaching colleagues and sharing technical knowledge across Claims.
We offer a flexible hybrid work model, with the team coming together at our London office once every month.
Strong experience managing high-value or catastrophic motor bodily injury claims with current authority of at least £250,000.
Deep knowledge of liability, indemnity, causation, reserving, future losses, the Ogden discount rate and complex medical issues.
Experience handling litigated claims and applying relevant procedures and frameworks, including CPR, PPOS and MIB technical disputes.
You balance empathy for customers with proactive, commercial decision-making.
You investigate complex issues thoroughly and own your decisions through to settlement.
You explain technical judgments clearly and build effective partnerships with internal and external stakeholders.
You share your expertise, seek feedback and want to help shape a growing Large Loss function.
Bonus scheme designed to reward high performance
Private medical insurance with Vitality, mental health support with Oliva
Personal learning budget and 2 dedicated L&D days a year
Monthly flexible benefits budget to spend as you choose
25 days holiday plus bank holidays
4 weeks Work From Anywhere per year
#LI-PT1
Diversity of thought
We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.
","descriptionPlain":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.\n\n\n\nBut we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.\n\n\n\nTo achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.\n\n\n\nWe’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.\n\n\n\n\nABOUT THE TEAM\n\nOur Large Loss Specialists handle Marshmallow’s most complex and high-value motor claims, often involving catastrophic injuries such as brain and spinal trauma, psychiatric injury, complex fractures and nerve damage.\n\nBeyond handling claims, the team acts as a centre of technical expertise, sharing insights and driving consistency across Claims. We work closely with Complex Personal Injury colleagues, reinsurers, panel solicitors and teams across Claims, Underwriting and Pricing to deliver fair, commercially sound outcomes. As a small, highly technical team, we offer broad exposure and the opportunity to grow your authority quickly.\n\n\n\n\nWHAT YOU'LL BE DOING\n\n - Managing a portfolio of high-value motor claims, typically valued above £250,000, through pre- and post-litigation.\n\n - Investigating liability, indemnity and coverage while setting proactive, commercial and empathetic claim strategies.\n\n - Reserving accurately for complex injuries and future losses, using the available evidence and tools such as PI Calc.\n\n - Identifying recovery opportunities (subrogation, contribution, and beyond) and ensuring they're actioned by the relevant teams.\n\n - Collaborating with panel solicitors, reinsurers and internal teams to reduce claim lifecycles, control legal spend and pursue recovery opportunities.\n\n - Shaping our Large Loss strategy while coaching colleagues and sharing technical knowledge across Claims.\n\nWe offer a flexible hybrid work model, with the team coming together at our London office once every month.\n\n\n\n\nYOUR EXPERTISE\n\n - Strong experience managing high-value or catastrophic motor bodily injury claims with current authority of at least £250,000.\n\n - Deep knowledge of liability, indemnity, causation, reserving, future losses, the Ogden discount rate and complex medical issues.\n\n - Experience handling litigated claims and applying relevant procedures and frameworks, including CPR, PPOS and MIB technical disputes.\n\n\nWHO YOU ARE\n\n - You balance empathy for customers with proactive, commercial decision-making.\n\n - You investigate complex issues thoroughly and own your decisions through to settlement.\n\n - You explain technical judgments clearly and build effective partnerships with internal and external stakeholders.\n\n - You share your expertise, seek feedback and want to help shape a growing Large Loss function.\n\n\nPERKS & BENEFITS\n\n - Bonus scheme designed to reward high performance\n\n - Private medical insurance with Vitality, mental health support with Oliva\n\n - Personal learning budget and 2 dedicated L&D days a year\n\n - Monthly flexible benefits budget to spend as you choose\n\n - 25 days holiday plus bank holidays\n\n - 4 weeks Work From Anywhere per year\n\n#LI-PT1\n\nDiversity of thought\n\nWe know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply."},{"id":"a28d77c6-2960-42f8-ae70-7b53ae555553","title":"Senior CRM Manager ","department":"Design","team":"Design","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-09-10T13:41:33.411+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"addressRegion":"London","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/marshmallow/a28d77c6-2960-42f8-ae70-7b53ae555553","applyUrl":"https://jobs.ashbyhq.com/marshmallow/a28d77c6-2960-42f8-ae70-7b53ae555553/application","descriptionHtml":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.
But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.
To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.
We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.
We are able to offer visa sponsorship for this position.
CRM sits within the User Experience team, helping Marshmallow build more effective, joined-up communication with our customers across the business. CRM is a meaningful driver of impact for the organisation, with clear opportunities to improve how we engage customers and measure the value of that work.
This role will help shape how CRM is used at Marshmallow by building strong foundations, enabling others to use the platform effectively, and creating the governance needed to make customer communications work better across multiple teams. We’re looking for someone who is excited by ownership, enjoys working cross-functionally, and wants to help scale CRM in a thoughtful, high-impact way. This is an individual contributor role with deep platform and governance ownership, rather than a people-management track. Your impact and progression come from the scale and quality of the systems, frameworks, and cross-team relationships you build, not from growing a team.
Own and evolve Marshmallow’s CRM operations capability, helping shape how the platform is used across the organisation.
Build strong governance frameworks for CRM activity, including how campaigns are prioritised, sequenced, and managed across teams
Enable and support stakeholders across the business to use CRM effectively, increasing adoption while maintaining quality and consistency.
Partner cross-functionally with teams across the organisation to identify opportunities, align on priorities, and improve customer communications.
Use data and testing insights to inform decisions, optimise performance, and ensure CRM activity is driving measurable impact
Drive high-quality campaign execution through strong operational processes, audience segmentation, scheduling, and platform management.
You’re a self-starter who is comfortable with a high level of autonomy and enjoys taking ownership of ambiguous, high-impact work.
You’re curious and collaborative, and you like working with lots of different stakeholders to move work forward.
You’re someone who believes in enabling others, not gatekeeping expertise, and you’re motivated by helping teams do better work together
You’re commercially minded and pragmatic, with a strong instinct for where to focus your time to unlock the most value
Experience working in CRM operations or CRM management within an in-house, tech-led business, with a strong understanding of growth-focused customer communications.
Recent hands-on experience with Braze is preferable for the role, alongside practical experience building and managing CRM campaigns, segmentation, metadata, scheduling, and audience setup
Proven experience creating CRM governance and enabling other teams to use CRM effectively across an organisation
Strong data literacy, including analysing campaign or email test performance, pulling audiences and segments, and working independently with data rather than relying entirely on analyst support.
Confidence in using data tools or AI-assisted analysis to generate insights and support decision-making.
Bonus scheme designed to reward high performance
Private medical insurance with Vitality, mental health support with Oliva
Personal learning budget and 2 dedicated L&D days a year
Monthly flexible benefits budget to spend as you choose
25 days holiday plus bank holidays
4 weeks Work From Anywhere per year
Initial call with a member from our Talent Team (30 mins)
Past Experience interview with Hiring Manager (60 mins)
Onsite case study interview with a couple of the team (90 mins)
Culture interview (60 mins)
Diversity of thought
We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.
","descriptionPlain":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.\n\n\n\nBut we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.\n\n\n\nTo achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.\n\n\n\nWe’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.\n\n\n\n\nLONDON (HYBRID, 3 DAYS IN OFFICE)\n\nWe are able to offer visa sponsorship for this position.\n\n \n\n\nCRM AT MARSHMALLOW\n\nCRM sits within the User Experience team, helping Marshmallow build more effective, joined-up communication with our customers across the business. CRM is a meaningful driver of impact for the organisation, with clear opportunities to improve how we engage customers and measure the value of that work.\n\nThis role will help shape how CRM is used at Marshmallow by building strong foundations, enabling others to use the platform effectively, and creating the governance needed to make customer communications work better across multiple teams. We’re looking for someone who is excited by ownership, enjoys working cross-functionally, and wants to help scale CRM in a thoughtful, high-impact way. This is an individual contributor role with deep platform and governance ownership, rather than a people-management track. Your impact and progression come from the scale and quality of the systems, frameworks, and cross-team relationships you build, not from growing a team. \n\n\n\n\n\nWHAT YOU'LL BE DOING\n\n - Own and evolve Marshmallow’s CRM operations capability, helping shape how the platform is used across the organisation.\n\n - Build strong governance frameworks for CRM activity, including how campaigns are prioritised, sequenced, and managed across teams\n\n - Enable and support stakeholders across the business to use CRM effectively, increasing adoption while maintaining quality and consistency.\n\n - Partner cross-functionally with teams across the organisation to identify opportunities, align on priorities, and improve customer communications.\n\n - Use data and testing insights to inform decisions, optimise performance, and ensure CRM activity is driving measurable impact\n\n - Drive high-quality campaign execution through strong operational processes, audience segmentation, scheduling, and platform management.\n\n\nWHO YOU ARE\n\n - You’re a self-starter who is comfortable with a high level of autonomy and enjoys taking ownership of ambiguous, high-impact work.\n\n - You’re curious and collaborative, and you like working with lots of different stakeholders to move work forward.\n\n - You’re someone who believes in enabling others, not gatekeeping expertise, and you’re motivated by helping teams do better work together\n\n - You’re commercially minded and pragmatic, with a strong instinct for where to focus your time to unlock the most value\n\n\nWHAT YOU'LL BRING\n\n - Experience working in CRM operations or CRM management within an in-house, tech-led business, with a strong understanding of growth-focused customer communications.\n\n - Recent hands-on experience with Braze is preferable for the role, alongside practical experience building and managing CRM campaigns, segmentation, metadata, scheduling, and audience setup\n\n - Proven experience creating CRM governance and enabling other teams to use CRM effectively across an organisation\n\n - Strong data literacy, including analysing campaign or email test performance, pulling audiences and segments, and working independently with data rather than relying entirely on analyst support.\n\n - Confidence in using data tools or AI-assisted analysis to generate insights and support decision-making.\n \n\n\nPERKS OF THE JOB\n\n - Bonus scheme designed to reward high performance\n\n - Private medical insurance with Vitality, mental health support with Oliva\n\n - Personal learning budget and 2 dedicated L&D days a year\n\n - Monthly flexible benefits budget to spend as you choose\n\n - 25 days holiday plus bank holidays\n\n - 4 weeks Work From Anywhere per year\n\n\nOUR PROCESS\n\n - Initial call with a member from our Talent Team (30 mins)\n\n - Past Experience interview with Hiring Manager (60 mins)\n\n - Onsite case study interview with a couple of the team (90 mins)\n\n - Culture interview (60 mins)\n\nDiversity of thought\n\nWe know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply."},{"id":"c316bf98-6f62-43be-914b-b96f486e08ce","title":"Data Scientist (Credit) - Car Finance","department":"Car Finance","team":"Car Finance","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-09T15:31:08.297+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"London","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/marshmallow/c316bf98-6f62-43be-914b-b96f486e08ce","applyUrl":"https://jobs.ashbyhq.com/marshmallow/c316bf98-6f62-43be-914b-b96f486e08ce/application","descriptionHtml":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.
But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.
To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.
We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.
We are not able to offer visa sponsorship for this position.
Marshmallow is opening up access to credit to migrants, bringing a brand new product to market which provides newcomers to the UK with fairly priced car finance for the first time.
Our Car Finance team is building a new generation lending platform from the ground up, making it simple, transparent and accessible for people who need finance to get on the road. We work closely with dealers, brokers and customers to make sure that every application, decision and interaction is fast, fair and easy to understand.
Because we’re a small, high-performing team, everyone has real ownership. We combine hands-on operations with a strong focus on automation and technology. We’re designing highly automated, AI-powered processes that let us move faster and smarter than traditional lenders.
We're hiring a Data Scientist to sit at the heart of how we lend: who we say yes to, at what price, and how we know it's working.
Our customers are people that traditional lenders struggle to assess. Many are new to the UK, have thin or no credit files, and don't fit neatly into off-the-shelf bureau scores. That makes credit decisioning at Marshmallow a genuinely hard, genuinely interesting problem: we combine bureau data, Open Banking, insurance, application and behavioural data to build a view of risk that others can't, and we need to do it in a way that is fair, explainable and compliant.
This role sits between a traditional credit analyst and a data scientist. You'll build and monitor scorecards, design and test credit strategies, dig into portfolio performance to find out what's really going on, and turn large, messy datasets into insights that change how we lend. You'll own your work end-to-end: from framing the question and pulling the data through to modelling, presenting a recommendation and seeing it live in our decision engine.
You'll be working with a small team and a modern stack, alongside a Head of Credit who has built this function from scratch and who will give you real ownership from day one. This is not a role where you hand models over a wall and move on - you'll see the impact of your decisions immediately.
Build, validate and monitor application and behavioural scorecards, using bureau, Open Banking and internal data to improve how we assess new-to-UK and thin-file customers.
Design, test and refine our credit strategy: cut-offs, affordability rules, pricing tiers and limits, with a clear view of the trade-off between risk, volume and margin.
Run experiments and champion/challenge tests to prove that changes to policy and models actually work before we scale them.
Explore new data sources and alternative signals, and build the case for using (or not using) them in decisioning.
Support model governance: document what you build, evidence that it treats customers fairly, and help us meet our Consumer Duty, CONC and model risk obligations.
Work with our engineers to get models and rules into production, and use AI tooling to make yourself and the team faster.
Must have
2–5 years' experience in decision science or data science within consumer lending or another regulated financial services environment.
Hands-on experience developing or materially refining credit scorecards or risk models (logistic regression and/or gradient boosting), including the practicalities: sample design, binning, reject inference, validation and monitoring.
Experience working with Open Banking or other alternative data in credit decisioning.
SQL user, and comfortable working with large, imperfect datasets.
A solid grounding in statistics and a good instinct for when a result is real and when it isn't.
Commercial judgement: you can translate a model output into a lending decision and explain the trade-offs to a non-technical audience.
Curiosity and ownership. You ask why, you dig until you find the answer, and you'd rather ship something and improve it than wait for perfection.
Nice to have
Motor finance or other secured lending experience.
Experience of working within a rapidly scaling lending environment.
Familiarity with UK consumer credit regulation and how it shapes model design and use.
Experience using LLMs to speed up analytical work.
You already know some of the tooling Marshmallow uses: Snowflake, Python, Claude, Linear, Notion
Bonus scheme designed to reward high performance
Private medical insurance with Vitality, mental health support with Oliva
Personal learning budget and 2 dedicated L&D days a year
Monthly flexible benefits budget to spend as you choose
25 days holiday plus bank holidays
4 weeks Work From Anywhere per year
Initial call with a member from our Talent Team (30 mins)
Past Experience interview with Hiring Manager (60 mins)
Onsite interview consisting of:
Technical interview with a couple of the team (60 mins)
Culture interview (60 mins)
Diversity of thought
We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.
","descriptionPlain":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.\n\n\n\nBut we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.\n\n\n\nTo achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.\n\n\n\nWe’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.\n\n\n\n\nLONDON (HYBRID, 3 DAYS IN OFFICE)\n\nWe are not able to offer visa sponsorship for this position.\n\n \n\n\nCAR FINANCE AT MARSHMALLOW\n\nMarshmallow is opening up access to credit to migrants, bringing a brand new product to market which provides newcomers to the UK with fairly priced car finance for the first time.\n\nOur Car Finance team is building a new generation lending platform from the ground up, making it simple, transparent and accessible for people who need finance to get on the road. We work closely with dealers, brokers and customers to make sure that every application, decision and interaction is fast, fair and easy to understand.\n\nBecause we’re a small, high-performing team, everyone has real ownership. We combine hands-on operations with a strong focus on automation and technology. We’re designing highly automated, AI-powered processes that let us move faster and smarter than traditional lenders.\n\n\n\n\nTHE ROLE\n\nWe're hiring a Data Scientist to sit at the heart of how we lend: who we say yes to, at what price, and how we know it's working.\n\nOur customers are people that traditional lenders struggle to assess. Many are new to the UK, have thin or no credit files, and don't fit neatly into off-the-shelf bureau scores. That makes credit decisioning at Marshmallow a genuinely hard, genuinely interesting problem: we combine bureau data, Open Banking, insurance, application and behavioural data to build a view of risk that others can't, and we need to do it in a way that is fair, explainable and compliant.\n\nThis role sits between a traditional credit analyst and a data scientist. You'll build and monitor scorecards, design and test credit strategies, dig into portfolio performance to find out what's really going on, and turn large, messy datasets into insights that change how we lend. You'll own your work end-to-end: from framing the question and pulling the data through to modelling, presenting a recommendation and seeing it live in our decision engine.\n\nYou'll be working with a small team and a modern stack, alongside a Head of Credit who has built this function from scratch and who will give you real ownership from day one. This is not a role where you hand models over a wall and move on - you'll see the impact of your decisions immediately.\n\n \n\n\nWHAT YOU'LL BE DOING\n\n - Build, validate and monitor application and behavioural scorecards, using bureau, Open Banking and internal data to improve how we assess new-to-UK and thin-file customers.\n\n - Design, test and refine our credit strategy: cut-offs, affordability rules, pricing tiers and limits, with a clear view of the trade-off between risk, volume and margin.\n\n - Run experiments and champion/challenge tests to prove that changes to policy and models actually work before we scale them.\n\n - Explore new data sources and alternative signals, and build the case for using (or not using) them in decisioning.\n\n - Support model governance: document what you build, evidence that it treats customers fairly, and help us meet our Consumer Duty, CONC and model risk obligations.\n\n - Work with our engineers to get models and rules into production, and use AI tooling to make yourself and the team faster.\n\n\nWHAT YOU'LL BRING\n\nMust have\n\n - 2–5 years' experience in decision science or data science within consumer lending or another regulated financial services environment.\n\n - Hands-on experience developing or materially refining credit scorecards or risk models (logistic regression and/or gradient boosting), including the practicalities: sample design, binning, reject inference, validation and monitoring.\n\n - Experience working with Open Banking or other alternative data in credit decisioning.\n\n - SQL user, and comfortable working with large, imperfect datasets.\n\n - A solid grounding in statistics and a good instinct for when a result is real and when it isn't.\n\n - Commercial judgement: you can translate a model output into a lending decision and explain the trade-offs to a non-technical audience.\n\n - Curiosity and ownership. You ask why, you dig until you find the answer, and you'd rather ship something and improve it than wait for perfection.\n\nNice to have\n\n - Motor finance or other secured lending experience.\n\n - Experience of working within a rapidly scaling lending environment.\n\n - Familiarity with UK consumer credit regulation and how it shapes model design and use.\n\n - Experience using LLMs to speed up analytical work.\n\n - You already know some of the tooling Marshmallow uses: Snowflake, Python, Claude, Linear, Notion\n\n\n\n\nPERKS OF THE JOB\n\n - Bonus scheme designed to reward high performance\n\n - Private medical insurance with Vitality, mental health support with Oliva\n\n - Personal learning budget and 2 dedicated L&D days a year\n\n - Monthly flexible benefits budget to spend as you choose\n\n - 25 days holiday plus bank holidays\n\n - 4 weeks Work From Anywhere per year\n\n\nOUR PROCESS\n\n - Initial call with a member from our Talent Team (30 mins)\n\n - Past Experience interview with Hiring Manager (60 mins)\n\n - Onsite interview consisting of:\n \n - Technical interview with a couple of the team (60 mins)\n \n - Culture interview (60 mins)\n\nDiversity of thought\n\nWe know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply."},{"id":"14fd7a8b-8c53-4ded-b621-fbac8034e116","title":"Credit Hire Handler","department":"Third Party Claims","team":"Credit Hire","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-07T06:29:33.582+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"London","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/marshmallow/14fd7a8b-8c53-4ded-b621-fbac8034e116","applyUrl":"https://jobs.ashbyhq.com/marshmallow/14fd7a8b-8c53-4ded-b621-fbac8034e116/application","descriptionHtml":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.
But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.
To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.
We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.
The Settlement team manages third party damage and credit hire claims and plays a key role in delivering fair, efficient and commercially sound outcomes. We work closely with policyholders, witnesses, third party insurers and wider claims teams to resolve cases quickly and make sharper decisions for customers. Day to day, the team investigates claims, assesses liability and indemnity, and keeps cases moving with clear communication and strong judgement. It’s a team built for people who want more autonomy, more pace and more opportunity to improve how claims work.
Manage a portfolio of Third Party Property Damage (TPPD) and Credit Hire claims, progressing them efficiently in line with our processes.
Triage and manage inbound communications effectively, routing work to support timely claim resolution.
Investigate claims and assess liability and indemnity with policyholders, witnesses and third parties to identify recovery opportunities and make sound decisions.
Keep policyholders informed with clear, empathetic communication throughout their claim journey.
Set and maintain claim reserves and process payments in line with our reserving approach.
Detailed notes left on the claims system, explaining action, trail of through and next steps.
Accurate reserve setting on files to reflected expected payouts.
Housekeeping to ensure accuracy on our claims system.
Professional communication either with the customer or the third party representatives.
We offer a flexible hybrid work model, with the team coming together at our London office once every two weeks.
Hands-on experience managing Credit Hire and Third Party Property Damage (TPPD) claims, including challenging hire periods, rates, and credit hire agreements.
Confidence in negotiating settlements over the phone and email.
Solid grasp of relevant case law and when to apply it, and confidence discussing liability and indemnity decisions.
Comfortable setting and maintaining reserves and processing payments within agreed authority levels, with a track record of sound, independent decision-making.
Used to managing a varied caseload at pace, prioritising effectively and keeping claimants and third parties informed throughout.
You balance commercial judgement with a customer-focused approach.
You make decisions confidently and know when to escalate for another view.
You stay organised and prioritise well when managing multiple cases at pace.
You look for better ways of working and support wider team goals, not just your own caseload.
Bonus scheme designed to reward high performance
Private medical insurance with Vitality, mental health support with Oliva
Personal learning budget and 2 dedicated L&D days a year
Monthly flexible benefits budget to spend as you choose
25 days holiday plus bank holidays
4 weeks Work From Anywhere per year
Initial call with a member of our Talent Acquisition team.
Interview with two members of the Claims team.
We review every application and will always let you know the outcome, though we're unable to provide individual feedback at application stage.
#LI-PT1
Diversity of thought
We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.
","descriptionPlain":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.\n\n\n\nBut we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.\n\n\n\nTo achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.\n\n\n\nWe’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.\n\n\n\n\nABOUT THE TEAM\n\nThe Settlement team manages third party damage and credit hire claims and plays a key role in delivering fair, efficient and commercially sound outcomes. We work closely with policyholders, witnesses, third party insurers and wider claims teams to resolve cases quickly and make sharper decisions for customers. Day to day, the team investigates claims, assesses liability and indemnity, and keeps cases moving with clear communication and strong judgement. It’s a team built for people who want more autonomy, more pace and more opportunity to improve how claims work.\n\n\n\n\nWHAT YOU'LL BE DOING\n\n - Manage a portfolio of Third Party Property Damage (TPPD) and Credit Hire claims, progressing them efficiently in line with our processes.\n\n - Triage and manage inbound communications effectively, routing work to support timely claim resolution.\n\n - Investigate claims and assess liability and indemnity with policyholders, witnesses and third parties to identify recovery opportunities and make sound decisions.\n\n - Keep policyholders informed with clear, empathetic communication throughout their claim journey.\n\n - Set and maintain claim reserves and process payments in line with our reserving approach.\n\n - Detailed notes left on the claims system, explaining action, trail of through and next steps.\n\n - Accurate reserve setting on files to reflected expected payouts.\n\n - Housekeeping to ensure accuracy on our claims system.\n\n - Professional communication either with the customer or the third party representatives.\n\nWe offer a flexible hybrid work model, with the team coming together at our London office once every two weeks.\n\n\n\n\nYOUR EXPERTISE\n\n - Hands-on experience managing Credit Hire and Third Party Property Damage (TPPD) claims, including challenging hire periods, rates, and credit hire agreements.\n\n - Confidence in negotiating settlements over the phone and email.\n\n - Solid grasp of relevant case law and when to apply it, and confidence discussing liability and indemnity decisions.\n\n - Comfortable setting and maintaining reserves and processing payments within agreed authority levels, with a track record of sound, independent decision-making.\n\n - Used to managing a varied caseload at pace, prioritising effectively and keeping claimants and third parties informed throughout.\n\n\n\n\nWHO YOU ARE\n\n - You balance commercial judgement with a customer-focused approach.\n\n - You make decisions confidently and know when to escalate for another view.\n\n - You stay organised and prioritise well when managing multiple cases at pace.\n\n - You look for better ways of working and support wider team goals, not just your own caseload.\n\n\n\n\nPERKS & BENEFITS\n\n - Bonus scheme designed to reward high performance\n\n - Private medical insurance with Vitality, mental health support with Oliva\n\n - Personal learning budget and 2 dedicated L&D days a year\n\n - Monthly flexible benefits budget to spend as you choose\n\n - 25 days holiday plus bank holidays\n\n - 4 weeks Work From Anywhere per year\n\n\n\n\nOUR PROCESS\n\n 1. Initial call with a member of our Talent Acquisition team.\n\n 2. Interview with two members of the Claims team.\n\nWe review every application and will always let you know the outcome, though we're unable to provide individual feedback at application stage.\n\n#LI-PT1\n\nDiversity of thought\n\nWe know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply."},{"id":"5f22a7c3-d4b4-428b-8d17-237e3c50cd37","title":"Senior Operations Manager, Car Finance","department":"Car Finance","team":"Car Finance","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-12T14:14:11.985+00:00","isListed":true,"isRemote":null,"workplaceType":null,"address":{"postalAddress":{"addressRegion":"London","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/marshmallow/5f22a7c3-d4b4-428b-8d17-237e3c50cd37","applyUrl":"https://jobs.ashbyhq.com/marshmallow/5f22a7c3-d4b4-428b-8d17-237e3c50cd37/application","descriptionHtml":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.
But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.
To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.
We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.
We’re hiring an operations leader to own collections and customer service for our car finance book, and to build that function into one that can carry 100 times our current volume.
Our operations team is responsible for supporting customers with anything they need: settlements, payment date changes, forbearance arrangements, underwriting, and so much more. Working in a regulated consumer credit space means there are a wide range of regulations and laws that we need to take into account, while also ensuring we put customers first.
We're using tech and AI to build an AI-native operations function, and we're looking for this person to work alongside our engineers to automate everything automatable, while keeping humans involved where human input is required.
This is a hands-on leadership role. You’ll set the strategy and manage the team, but you’ll also take calls, run QA, coach individuals and take the hardest cases yourself.
The role reports into the General Manager, Car Finance
London (Hybrid, 4 days per week in office)
Lead the collections and servicing team, owning performance, coaching, development and hiring as the function scales.
Develop a best in class collections approach: delivering leading business outcomes, looking after customers, and ensuring we're meeting our regulatory and statutory requirements
Build an excellence-focussed, customer-centric culture within our operations function
Build relationships with brokers and dealers and ensure our underwriting and pay out processes meet their needs
Own key commercial outcomes around servicing and collections, including reporting up to the car finance leadership team and key group stakeholders
Work with our engineering team to build a highly efficient, AI-native operations function that supports and complements customer-centric expert
Must have
Significant operational leadership experience in regulated financial services
Deep working knowledge of UK consumer credit conduct requirements
Experience running or building an operations function through a period of volume growth
Comfort using data to set priorities, size problems and evidence decisions
Ability to adapt to AI-native and tech-enabled ways of working
Nice to have
Motor finance or hire purchase experience
Experience using LLMs to drive operational efficiencies
You already know some of the stack: Linear, Google Suite, Notion, Intercom, Claude.
Bonus scheme designed to reward high performance
Private medical insurance with Vitality, mental health support with Oliva
Personal learning budget and 2 dedicated L&D days a year
Monthly flexible benefits budget to spend as you choose
25 days holiday plus bank holidays
4 weeks Work From Anywhere per year
We are not in a position to offer sponsorship and/or a visa for this position
Here's what to expect:
Intro call with our Talent team (30 mins)
Skills and experience interview the hiring manager (1 hour)
Task-based interview & Values and ways of working interview (2 hours)
We review every application and will always let you know the outcome - though we're unable to provide individual feedback at application stage.
Diversity of thought
We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.
","descriptionPlain":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.\n\n\n\nBut we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.\n\n\n\nTo achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.\n\n\n\nWe’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.\n\n\n\n\nTHE ROLE\n\nWe’re hiring an operations leader to own collections and customer service for our car finance book, and to build that function into one that can carry 100 times our current volume.\n\nOur operations team is responsible for supporting customers with anything they need: settlements, payment date changes, forbearance arrangements, underwriting, and so much more. Working in a regulated consumer credit space means there are a wide range of regulations and laws that we need to take into account, while also ensuring we put customers first.\n\nWe're using tech and AI to build an AI-native operations function, and we're looking for this person to work alongside our engineers to automate everything automatable, while keeping humans involved where human input is required.\n\nThis is a hands-on leadership role. You’ll set the strategy and manage the team, but you’ll also take calls, run QA, coach individuals and take the hardest cases yourself.\n\nThe role reports into the General Manager, Car Finance\n\nLondon (Hybrid, 4 days per week in office)\n\n\n\n\nWHAT YOU’LL BE DOING\n\n - Lead the collections and servicing team, owning performance, coaching, development and hiring as the function scales.\n\n - Develop a best in class collections approach: delivering leading business outcomes, looking after customers, and ensuring we're meeting our regulatory and statutory requirements\n\n - Build an excellence-focussed, customer-centric culture within our operations function\n\n - Build relationships with brokers and dealers and ensure our underwriting and pay out processes meet their needs\n\n - Own key commercial outcomes around servicing and collections, including reporting up to the car finance leadership team and key group stakeholders\n\n - Work with our engineering team to build a highly efficient, AI-native operations function that supports and complements customer-centric expert\n\n\n\n\nWHAT YOU’LL BRING\n\nMust have\n\n - Significant operational leadership experience in regulated financial services\n\n - Deep working knowledge of UK consumer credit conduct requirements\n\n - Experience running or building an operations function through a period of volume growth\n\n - Comfort using data to set priorities, size problems and evidence decisions\n\n - Ability to adapt to AI-native and tech-enabled ways of working\n\n\n\nNice to have\n\n - Motor finance or hire purchase experience\n\n - Experience using LLMs to drive operational efficiencies\n\n - You already know some of the stack: Linear, Google Suite, Notion, Intercom, Claude.\n\n\n\n\nPERKS & BENEFITS\n\n - Bonus scheme designed to reward high performance\n\n - Private medical insurance with Vitality, mental health support with Oliva\n\n - Personal learning budget and 2 dedicated L&D days a year\n\n - Monthly flexible benefits budget to spend as you choose\n\n - 25 days holiday plus bank holidays\n\n - 4 weeks Work From Anywhere per year\n\n \n\nWe are not in a position to offer sponsorship and/or a visa for this position\n\n \n\n\nOUR PROCESS\n\nHere's what to expect:\n\n 1. Intro call with our Talent team (30 mins)\n\n 2. Skills and experience interview the hiring manager (1 hour)\n\n 3. Task-based interview & Values and ways of working interview (2 hours)\n\nWe review every application and will always let you know the outcome - though we're unable to provide individual feedback at application stage.\n\nDiversity of thought\n\nWe know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply."},{"id":"63541052-23bf-4155-bbf3-4e1270fc6418","title":"Complex Credit Hire Handler","department":"Third Party Claims","team":"Credit Hire","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-10-07T06:29:45.285+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"London","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/marshmallow/63541052-23bf-4155-bbf3-4e1270fc6418","applyUrl":"https://jobs.ashbyhq.com/marshmallow/63541052-23bf-4155-bbf3-4e1270fc6418/application","descriptionHtml":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.
But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.
To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.
We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.
This role owns a varied portfolio, including specialist credit hire claims such as taxi and motorbike hire, ensuring that liability and indemnity is investigated, setting accurate reserves and negotiating settlement.
It supports our goals around fair, efficient claims outcomes and strong loss-ratio performance.
Manage a portfolio of Third Party Property Damage (TPPD) and Credit Hire claims, progressing them efficiently in line with our processes.
Handle credit hire claims across specialist vehicle types, including taxi and motorbike hire, applying the correct rates, hire periods and agreements.
Triage and manage inbound communications effectively, routing work to support timely claim resolution.
Investigate claims and assess liability and indemnity with policyholders, witnesses and third parties to identify recovery opportunities and make sound decisions.
Keep policyholders informed with clear, empathetic communication throughout their claim journey.
Set and maintain claim reserves and process payments in line with our reserving approach.
Detailed notes left on the claims system, explaining action, trail of through and next steps.
Accurate reserve setting on files to reflected expected payouts.
Housekeeping to ensure accuracy on our claims system.
Professional communication either with the customer or the third party representatives.
We offer a flexible hybrid work model, with the team coming together at our London office once every two weeks.
Hands-on experience managing Credit Hire and Third Party Property Damage (TPPD) claims, including challenging hire periods, rates, and credit hire agreements.
Experience handling credit hire claims across specialist vehicle types, including taxi and motorbike hire.
Confidence in negotiating settlements over the phone and email.
Solid grasp of relevant case law and when to apply it, and confidence discussing liability and indemnity decisions.
Comfortable setting and maintaining reserves and processing payments within agreed authority levels, with a track record of sound, independent decision-making.
Used to managing a varied caseload at pace, prioritising effectively and keeping claimants and third parties informed throughout.
You balance commercial judgement with a customer-focused approach.
You make decisions confidently and know when to escalate for another view.
You stay organised and prioritise well when managing multiple cases at pace.
You look for better ways of working and support wider team goals, not just your own caseload.
Bonus scheme designed to reward high performance
Private medical insurance with Vitality, mental health support with Oliva
Personal learning budget and 2 dedicated L&D days a year
Monthly flexible benefits budget to spend as you choose
25 days holiday plus bank holidays
4 weeks Work From Anywhere per year
Initial call with a member of our Talent Acquisition team.
Interview with two members of the Claims team.
We review every application and will always let you know the outcome, though we're unable to provide individual feedback at application stage.
#LI-PT1
Diversity of thought
We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.
","descriptionPlain":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.\n\n\n\nBut we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.\n\n\n\nTo achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.\n\n\n\nWe’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.\n\n\n\n\nABOUT THE TEAM\n\nThis role owns a varied portfolio, including specialist credit hire claims such as taxi and motorbike hire, ensuring that liability and indemnity is investigated, setting accurate reserves and negotiating settlement.\n\nIt supports our goals around fair, efficient claims outcomes and strong loss-ratio performance.\n\n\n\n\nWHAT YOU'LL BE DOING\n\n - Manage a portfolio of Third Party Property Damage (TPPD) and Credit Hire claims, progressing them efficiently in line with our processes.\n\n - Handle credit hire claims across specialist vehicle types, including taxi and motorbike hire, applying the correct rates, hire periods and agreements.\n\n - Triage and manage inbound communications effectively, routing work to support timely claim resolution.\n\n - Investigate claims and assess liability and indemnity with policyholders, witnesses and third parties to identify recovery opportunities and make sound decisions.\n\n - Keep policyholders informed with clear, empathetic communication throughout their claim journey.\n\n - Set and maintain claim reserves and process payments in line with our reserving approach.\n\n - Detailed notes left on the claims system, explaining action, trail of through and next steps.\n\n - Accurate reserve setting on files to reflected expected payouts.\n\n - Housekeeping to ensure accuracy on our claims system.\n\n - Professional communication either with the customer or the third party representatives.\n\nWe offer a flexible hybrid work model, with the team coming together at our London office once every two weeks.\n\n\n\n\nYOUR EXPERTISE\n\n - Hands-on experience managing Credit Hire and Third Party Property Damage (TPPD) claims, including challenging hire periods, rates, and credit hire agreements.\n\n - Experience handling credit hire claims across specialist vehicle types, including taxi and motorbike hire.\n\n - Confidence in negotiating settlements over the phone and email.\n\n - Solid grasp of relevant case law and when to apply it, and confidence discussing liability and indemnity decisions.\n\n - Comfortable setting and maintaining reserves and processing payments within agreed authority levels, with a track record of sound, independent decision-making.\n\n - Used to managing a varied caseload at pace, prioritising effectively and keeping claimants and third parties informed throughout.\n\n\n\n\nWHO YOU ARE\n\n - You balance commercial judgement with a customer-focused approach.\n\n - You make decisions confidently and know when to escalate for another view.\n\n - You stay organised and prioritise well when managing multiple cases at pace.\n\n - You look for better ways of working and support wider team goals, not just your own caseload.\n\n\n\n\nPERKS & BENEFITS\n\n - Bonus scheme designed to reward high performance\n\n - Private medical insurance with Vitality, mental health support with Oliva\n\n - Personal learning budget and 2 dedicated L&D days a year\n\n - Monthly flexible benefits budget to spend as you choose\n\n - 25 days holiday plus bank holidays\n\n - 4 weeks Work From Anywhere per year\n\n\n\n\nOUR PROCESS\n\n 1. Initial call with a member of our Talent Acquisition team.\n\n 2. Interview with two members of the Claims team.\n\nWe review every application and will always let you know the outcome, though we're unable to provide individual feedback at application stage.\n\n#LI-PT1\n\nDiversity of thought\n\nWe know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply."},{"id":"99c302d4-2772-4e23-bc03-55bfea905f66","title":"Junior Pricing Data Scientist","department":"Pricing","team":"Pricing","employmentType":"FullTime","location":"London","secondaryLocations":[],"publishedAt":"2026-11-02T16:16:02.090+00:00","isListed":true,"isRemote":true,"workplaceType":"Hybrid","address":{"postalAddress":{"addressRegion":"London","addressCountry":"United Kingdom","addressLocality":"London"}},"jobUrl":"https://jobs.ashbyhq.com/marshmallow/99c302d4-2772-4e23-bc03-55bfea905f66","applyUrl":"https://jobs.ashbyhq.com/marshmallow/99c302d4-2772-4e23-bc03-55bfea905f66/application","descriptionHtml":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.
But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.
To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.
We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.
We are not able to offer visa sponsorship for this position.
Marshmallow's pricing team applies quantitative methods to real insurance problems. In this role, you'll learn how pricing decisions work in practice and turn data into meaningful outcomes. You'll work closely with a senior pricing team member, bringing your quantitative background into an industry setting. The aim is for you to develop the practical judgement and independence to take on – and eventually lead – increasingly substantial work.
Working closely with pricing colleagues on scoped analytical and data-driven projects, taking on more responsibility as your experience develops.
Applying mathematical, statistical and machine learning techniques to practical pricing questions, connecting your analysis to the decision it needs to inform.
Explaining your findings clearly, keeping colleagues from different areas of the business updated on progress and following up on agreed actions.
Using feedback to improve your work and build your understanding of data science methods, coding best practice and the commercial context of insurance pricing.
You want to learn, seek feedback and build towards working independently.
You communicate your rationale and findings clearly, and keep colleagues informed about your progress.
You follow through on agreed actions and take ownership of your work.
A strong academic record and a research master's or PhD in a quantitative field, such as mathematics, physics or econometrics.
Experience applying quantitative methods or machine learning to a practical problem through your studies, research, a personal project or work.
Industry experience is preferred - a placement, internship or experience whilst studying, or in between research masters / PhD.
The ability to explain how your approach fits the problem, rather than relying on theory alone.
Bonus scheme designed to reward high performance
Private medical insurance with Vitality, mental health support with Oliva
Personal learning budget and 2 dedicated L&D days a year
Monthly flexible benefits budget to spend as you choose
25 days holiday plus bank holidays
4 weeks Work From Anywhere per year
Initial call with a member from our Talent Team (30 mins)
Combined Past Experience & Technical interview (90 mins)
Onsite Culture interviews (90 mins)
Diversity of thought
We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.
","descriptionPlain":"We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.\n\n\n\nBut we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.\n\n\n\nTo achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.\n\n\n\nWe’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.\n\n\n\n\nLONDON (HYBRID, 3 DAYS IN OFFICE)\n\nWe are not able to offer visa sponsorship for this position.\n\n \n\n\nABOUT THE TEAM\n\nMarshmallow's pricing team applies quantitative methods to real insurance problems. In this role, you'll learn how pricing decisions work in practice and turn data into meaningful outcomes. You'll work closely with a senior pricing team member, bringing your quantitative background into an industry setting. The aim is for you to develop the practical judgement and independence to take on – and eventually lead – increasingly substantial work.\n\n\n\n\nWHAT YOU'LL BE DOING\n\n - Working closely with pricing colleagues on scoped analytical and data-driven projects, taking on more responsibility as your experience develops.\n\n - Applying mathematical, statistical and machine learning techniques to practical pricing questions, connecting your analysis to the decision it needs to inform.\n\n - Explaining your findings clearly, keeping colleagues from different areas of the business updated on progress and following up on agreed actions.\n\n - Using feedback to improve your work and build your understanding of data science methods, coding best practice and the commercial context of insurance pricing.\n\n\nWHO YOU ARE\n\n - You want to learn, seek feedback and build towards working independently.\n\n - You communicate your rationale and findings clearly, and keep colleagues informed about your progress.\n\n - You follow through on agreed actions and take ownership of your work.\n\n\nWHAT YOU’LL BRING\n\n - A strong academic record and a research master's or PhD in a quantitative field, such as mathematics, physics or econometrics.\n\n - Experience applying quantitative methods or machine learning to a practical problem through your studies, research, a personal project or work.\n\n - Industry experience is preferred - a placement, internship or experience whilst studying, or in between research masters / PhD.\n\n - The ability to explain how your approach fits the problem, rather than relying on theory alone.\n\n \n\n\nPERKS OF THE JOB\n\n - Bonus scheme designed to reward high performance\n\n - Private medical insurance with Vitality, mental health support with Oliva\n\n - Personal learning budget and 2 dedicated L&D days a year\n\n - Monthly flexible benefits budget to spend as you choose\n\n - 25 days holiday plus bank holidays\n\n - 4 weeks Work From Anywhere per year\n\n\nOUR PROCESS\n\n - Initial call with a member from our Talent Team (30 mins)\n\n - Combined Past Experience & Technical interview (90 mins)\n\n - Onsite Culture interviews (90 mins)\n\nDiversity of thought\n\nWe know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply."}],"apiVersion":"1"}