Lead Pricing Data Scientist

We’re on a mission to make migration easy.

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.

Pricing at Marshmallow

Pricing at Marshmallow is where the mission gets real — delivering unbeatable prices that make migration easy. You'll work with vast, proprietary data, cutting-edge models, and engineers who can implement your ideas fast. Ownership isn't a buzzword here — you'll have the autonomy to make decisions and the senior backing to act on them. This is a team that moves fast, challenges assumptions, and delivers change at high frequency.

• Develop a deep understanding of Marshmallow’s quote, policy, and claims data to derive insights that enhance pricing strategies.

• Contribute to key pricing initiatives, including expansion plans and customer retention efforts.

• Communicate analytical findings effectively to senior leaders and cross-functional teams.

• Conduct data analysis using SQL and Python to drive decision-making.

• Support the deployment of models in APIs for real-time pricing applications.

• Collaborate with pricing team members to recommend changes and track their impact.

• Assess new external data sources to refine claims risk evaluation and quantify their value.

• Monitoring the performance of our business and contributing to our governance and control processes such as reviewing business mix and segmental loss ratio performance.

• Work closely with Engineering and ML Engineering teams to implement pricing strategies.

• Proactive: You want to drive growth by identifying new opportunities and take ownership to drive change

• Technical: You aren’t afraid to learn new skills across Data Science & Insurance

• Commercial: You want to deliver real world impact, not report on it

• Curious: You aren’t satisfied with ‘That’s just how it is’; you immediately investigate further

• 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

• Ability to interrogate data and conduct pricing analysis within SQL & Python

• Ability to build GLMs, GBMs and other models within Python

• Prior experience in a data science role or STEM degree

We break it up into 3 stages:

• Initial screening call with a member of the TA team (30 mins)

• Past experience interview with our VP Insurance(60 minutes)

• A technical interview (90 mins)

• A culture interview with a senior stakeholder to check that your work style fits our processes and values, and vice versa (60 mins)

• Hybrid working - Spend 2-3 days with the team in our collaborative London office, and own your own working hours. The rest is up to you 🏠

• Competitive bonus scheme - designed to reward and recognise high performance 🌟

• Flexible benefits budget - £50 per month to spend on a Ben Mastercard meaning you get your own benefits budget to spend on things you want. Whether that's subscriptions, night classes (puppy yoga, anyone?), the big shop or a forest of houseplants. Pretty much anything goes 💰

• Mental wellbeing support – Access therapy and mental health sessions through Oliva 💚

• Learning and development – Personal budgets for books and training courses to help you grow in your role. Plus 2 days a year - on us! - to further your skillset 🤓

• Private health care - Enjoy all the benefits Vitality has to offer, including reduced gym memberships and discounts on smartwatches 🏥

• Medical cash plan - To help you with the costs of dental, optical and physio (plus more!)

• Tech scheme - Get the latest tech for less 🖥

Plus all the rest; 33 days holiday (including bank holidays), pension, cycle to work scheme, monthly team socials and company-wide socials every month!

Background checks
As part of our commitment to maintaining a safe and trustworthy environment, we’ll carry out standard background checks, including a DBS and Cifas check. These help ensure there are no ongoing criminal proceedings and support the prevention of fraud and other forms of serious misconduct. If anything of concern is identified, it may affect your eligibility for certain roles or services. Feel free to ask our Talent Acquisition team if you have any questions about this!

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.