Lead Pricing Data Scientist

We exist to make migration easy. Every year, millions of people move to a new country and find themselves cut off from essential financial services. We built our own technology to change that, insuring millions of drivers and lending millions in loans. But we're not standing still. Our ambitions are huge, and we need exceptional people to supercharge our growth and shape what comes next. Marshmallow is a place for do-ers. People who are tenacious, hungry for ownership, and unfazed by complexity. But collective success always comes first - people here win and grow together.

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.

What you’ll be doing

• 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.
• Monitor the performance of our business and contribute 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.

Who are you?

• 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.

What skills are we looking for from you?

• 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.

Our Process

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).

Perks of the job

• 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.
• 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!

Everyone belongs at Marshmallow

At Marshmallow, we want to hire people from all walks of life with the passion and skills needed to help us achieve our company mission. To do that, we're committed to hiring without judgement, prejudice or bias. We encourage everyone to apply for our open roles. Gender identity, race, ethnicity, sexual orientation, age or background does not affect how we process job applications. We're working hard to build an inclusive culture that empowers our people to do their best work, have fun and feel that they belong.