Marshmallow
City, London
About Marshmallow We exist to make migration easy. A systemic problem of this magnitude requires a team of curious thinkers who relentlessly pursue solutions. Those who constantly challenge the why, dismantle assumptions, and always take action to build a better way. A Marshmallow career is built on a cycle of continuous growth, with learning at its core. You will be challenged to raise the bar on your capabilities and supported with the right tools and guidance to do so. This ensures you can deliver impactful work and drive change. If life at Marshmallow sounds like it could be for you, explore our Culture Handbook to find out more. Move our mission, and your career, forward. Pricing at Marshmallow This role sits within the Pricing Team, reporting to the Retail Pricing lead. The team's primary focus is on optimising broker profitability whilst hitting our ambitious growth targets, with the role focused on our Direct channels. This means that the Pricing Team is 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 a massive contribution to the business, so we all take ownership, move fast, innovate and deliver changes to our rates at high frequency. A fantastic aspect of working at Marshmallow is that we have the backing of our senior leadership team to make decisions and take action autonomously. We're the masters of our own destiny and we aren't tied down with vast amounts of red tape! We analyse, implement, learn and iterate rate changes before most pricing teams have had their Shreddies. You'll also be excited to know that 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 their innovative pricing projects; whilst also being able to work with the wider Data Science community on modelling customer behaviour, fraud & MLENG enhancements. We know first hand what a powerful combination this is! 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. In addition to all of that, (in our opinion) we're a pretty fun group to hang around with! What you'll be doing Working with direct channel commercial owners to set the trading strategy Working with marketing, product and engineering to influence product mix Conduct price optimisation analysis and modeling using Python Develop a deep understanding of Marshmallow's quote, policy, and market data, leveraging insights to drive improvements. Effectively communicate and gain buy-in for pricing initiatives from senior stakeholders, including heads of departments and directors. Build and deploy models via APIs for real-time pricing decisions. Collaborate with the wider pricing team to recommend, implement, and monitor pricing changes, ensuring continuous improvement. Identify and evaluate new external data sources to refine our market understanding and enhance pricing accuracy. Work closely with Engineering and ML Engineering teams to implement our pricing strategies efficiently. Engage with the wider data science community on long-term R&D projects that drive innovation in pricing. Who are you? 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 What skills are we looking for from you? Ability to interrogate data and conduct pricing analysis within SQL & Python Ability to build GBMs and other conversion/demand models within Python At least 3 years of data science experience in a commercial environment Insurance & direct to consumer experience is desirable, but not required. Our Process We break it up into 3 stages: Initial screening call with a member of the TA team An interview with the Lead Pricing data scientist in retail pricing and another member of the pricing team. The purpose of this interview is to assess your background, experience, and technical expertise (90 minutes) A culture interview with a senior stakeholder to check that your work style fits our processes and values (1 hour) We'll let you know if you're invited to an interview or not. But, as a small team with a lot of applications to consider, we can't give personal feedback on each application. Background checks To meet our regulatory obligations as an FCA-authorised financial services company, we need to do some background checks on all new hires. That means carrying out a DBS check and making sure you don't have any live criminal proceedings. 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. Recruitment privacy policy We take privacy seriously here at Marshmallow. Our Recruitment privacy notice explains how we process and handle your personal data. To find out more please view it here.
About Marshmallow We exist to make migration easy. A systemic problem of this magnitude requires a team of curious thinkers who relentlessly pursue solutions. Those who constantly challenge the why, dismantle assumptions, and always take action to build a better way. A Marshmallow career is built on a cycle of continuous growth, with learning at its core. You will be challenged to raise the bar on your capabilities and supported with the right tools and guidance to do so. This ensures you can deliver impactful work and drive change. If life at Marshmallow sounds like it could be for you, explore our Culture Handbook to find out more. Move our mission, and your career, forward. Pricing at Marshmallow This role sits within the Pricing Team, reporting to the Retail Pricing lead. The team's primary focus is on optimising broker profitability whilst hitting our ambitious growth targets, with the role focused on our Direct channels. This means that the Pricing Team is 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 a massive contribution to the business, so we all take ownership, move fast, innovate and deliver changes to our rates at high frequency. A fantastic aspect of working at Marshmallow is that we have the backing of our senior leadership team to make decisions and take action autonomously. We're the masters of our own destiny and we aren't tied down with vast amounts of red tape! We analyse, implement, learn and iterate rate changes before most pricing teams have had their Shreddies. You'll also be excited to know that 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 their innovative pricing projects; whilst also being able to work with the wider Data Science community on modelling customer behaviour, fraud & MLENG enhancements. We know first hand what a powerful combination this is! 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. In addition to all of that, (in our opinion) we're a pretty fun group to hang around with! What you'll be doing Working with direct channel commercial owners to set the trading strategy Working with marketing, product and engineering to influence product mix Conduct price optimisation analysis and modeling using Python Develop a deep understanding of Marshmallow's quote, policy, and market data, leveraging insights to drive improvements. Effectively communicate and gain buy-in for pricing initiatives from senior stakeholders, including heads of departments and directors. Build and deploy models via APIs for real-time pricing decisions. Collaborate with the wider pricing team to recommend, implement, and monitor pricing changes, ensuring continuous improvement. Identify and evaluate new external data sources to refine our market understanding and enhance pricing accuracy. Work closely with Engineering and ML Engineering teams to implement our pricing strategies efficiently. Engage with the wider data science community on long-term R&D projects that drive innovation in pricing. Who are you? 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 What skills are we looking for from you? Ability to interrogate data and conduct pricing analysis within SQL & Python Ability to build GBMs and other conversion/demand models within Python At least 3 years of data science experience in a commercial environment Insurance & direct to consumer experience is desirable, but not required. Our Process We break it up into 3 stages: Initial screening call with a member of the TA team An interview with the Lead Pricing data scientist in retail pricing and another member of the pricing team. The purpose of this interview is to assess your background, experience, and technical expertise (90 minutes) A culture interview with a senior stakeholder to check that your work style fits our processes and values (1 hour) We'll let you know if you're invited to an interview or not. But, as a small team with a lot of applications to consider, we can't give personal feedback on each application. Background checks To meet our regulatory obligations as an FCA-authorised financial services company, we need to do some background checks on all new hires. That means carrying out a DBS check and making sure you don't have any live criminal proceedings. 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. Recruitment privacy policy We take privacy seriously here at Marshmallow. Our Recruitment privacy notice explains how we process and handle your personal data. To find out more please view it here.
Marshmallow
Richmond, Surrey
We're building a huge technology company that helps make moving country easier. To fulfil our global ambitions, we need extremely ambitious people. We back the ones who step outside the norm. People who find themselves on a different path, either by choice or by circumstance. The exceptions to the rules that others aren't interested in serving. Those are the ones we want to back, in everything we do. So far we've helped over one million drivers get a fairer price on their car insurance, most of them UK newcomers. Now we're creating tech-first financial products for anyone who moves to a new country. People whose problems we are uniquely positioned to solve. values and behaviours Get to know us better At Marshmallow, we live and breathe our values. They define who we are, what we stand for and how we work day-to-day. Could this be you? Check out our open roles. We think big and long-term, and are unafraid of solving problems in novel ways. Great leadership is the bedrock of great companies. That's why we invest heavily in development and measure all roles, no matter the level, against a set of key behaviours. This framework exists to set expectations and help you keep moving on up. 1 We're future-obsessed We know where we want to go long-term and provide an inspiring vision to get there. We anticipate changes in market conditions, regulation and technology to ensure we're always one step ahead. 2 We raise the bar We have unreasonably high ambition, and ensure we have the teams to back it up. We spend an inordinate amount of time ensuring we work with the best people and support them to fulfil their potential. Equally, we know mediocrity is contagious and extinguish it rapidly. 3 We're culture icons We are unyielding in our belief and advocation for our culture, always acting in-line with our values and encouraging teammates to put culture front and centre. 4 We know how to get stuff done, quickly and to a high standard both in teams and cross-functionally. What's it like to work here? We'll let the team answer this one Charlie "There are other areas in engineering that I'm interested in across the company. I've talked about this to my managers and they're very supportive. They've helped show me what improvements I need to make to get to the next level, and have made a lot of time to discuss those things with me in my reviews." Jerome "In my team, we are currently focusing on helping our customers reach out to us as easily and quickly as possible if they are involved in an accident. It is challenging due the complexity of process or some external requirements, for example. But, it is very rewarding to be able to help customer at a point in their experience where they really need our service to be here for them." Maria "We're building an insurance company from the ground up. That's exciting for engineers because they get to be part of the team that makes the very first decisions on how something is built. We have lots of problems to solve here, and engineers are at the centre of the solution!" To solve big problems, we need exceptional people from all walks of life. We're creating a culture where everyone feels empowered to bring their unique perspectives and boldest ideas to the table. We do this by following a three part philosophy: belonging, recognition, and influence. Discover more. We have two places to call home; London and Budapest. In London we have a large, modern office minutes from Old Street roundabout, offering easy access to transport links, shops and lunch spots. In Budapest, we have a brand-new office space near Fövám Square. It's designed just for us - and did we mention that it's dog friendly? Free breakfast and lunches Depending on where you're based, once a week or fortnight, lunch is on us! We also provide free breakfast supplies, plus plenty of snacks and a dedicated drinks fridge packed with sodas and tipples for after-work socials. Cheers. Company get togethers We have company parties twice a year in London and Budapest, a monthly All Hands, and annual off-site Ambition Days. Charity partnerships How we give back We proudly partner with two charities that support migrants and refugees in the UK and Hungary. Everyone at Marshmallow can take two volunteering days a year to lend a hand with employability workshops, mentoring and more. Breaking Barriers is a leading specialist refugee employment charity in the UK, driving the Business Behind Refugees movement and supporting refugees to find meaningful employment. This initiative empowers refugees and asylum seekers by helping them leverage their skills and talents to achieve financial independence and build new lives. Menedék is a charity who supports the social integration of domestic and foreign citizens migrating to and from Hungary. They do this through a variety of social, educational and cultural programs, including counselling, language lessons, training and workshops. Want to find out more about life at Marshmallow? If you don't see anything that fits you today, check back soon. We're scaling quickly, putting up new roles every week. Location London Employment Type Full time Location Type Hybrid Department Pricing, Underwriting & Fraud Pricing & Underwriting About Marshmallow We build financial products that accelerate the economic freedom for people who move across borders. We started with car insurance - insuring over a million drivers - and we're scaling beyond. Tens of millions of people move countries each year, facing overlooked financial challenges. Our future is in building financial products around their needs to positively impact their lives. How we work We're really proud of the culture we've created. We push for progress every day, because we know that we'll only hit big milestones by taking lots of smaller steps. We're always open to helping our team mates, sharing our ideas, experience and knowledge to solve problems together. We take risks, think creatively and experiment relentlessly to meet our customer's needs, and never pass blame when things go wrong. We encourage people at all levels to take ownership of their work, and to be bold in challenging how we do things. Everyone has a voice and the opportunity to make an impact. And autonomy and ownership are only possible with clear direction. That's why we collaborate to do in-depth planning twice a year, and make sure we leave with clear goals and objectives that flow from top to bottom. To make sure we're as aligned as possible across functions, most of our work rolls up into three tribes; Acquisition, Retention & Claims. Each tribe has multiple teams embedded in it, working cross-functionally to do great work. We're so excited for all of the challenges up ahead, and we need more people to help us tackle them! If life at Marshmallow sounds like it could be for you, explore our Culture Handbook to find out more. Pricing at Marshmallow This role will sit in the Risk Pricing Team, reporting into the Head of Risk Pricing and will be responsible for managing our Home portfolio. The team is responsible for managing our loss ratio, underwriting footprint and growth targets. This means that the Risk Pricing Team is 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 a massive contribution to the business, so we all take ownership, move fast, innovate and deliver changes to our rates at high frequency. A fantastic aspect of working at Marshmallow is that we have the backing of our senior leadership team to make decisions and take action autonomously. We're the masters of our own destiny and we're aren't tied down with vast amounts of red tape! We analyse, implement, learn and iterate rate changes before most pricing teams have had their Shreddies You'll also be excited to know that we don't just churn out GLMs all day. As part of a leading data organisation, supported by silky smooth pipelines and end to end ownership, we build exceptional pricing and fraud models using the latest modelling techniques. We know first hand what a powerful combination this is! 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! What you'll be doing Overseeing a new home book at launch, covering all pricing needs whilst engaging with Data/Engineering/Underwriting to drive improvements. Being responsible for delivering revenue and loss ratio initiatives. Working alongside the wider pricing team to deliver excellent home specific models, using them to deliver sustainable growth. Contributing to the strategic direction of the risk pricing team, identifying the tools, skills, infrastructure etc required to deliver a best-in-class technical pricing function. . click apply for full job details
We're building a huge technology company that helps make moving country easier. To fulfil our global ambitions, we need extremely ambitious people. We back the ones who step outside the norm. People who find themselves on a different path, either by choice or by circumstance. The exceptions to the rules that others aren't interested in serving. Those are the ones we want to back, in everything we do. So far we've helped over one million drivers get a fairer price on their car insurance, most of them UK newcomers. Now we're creating tech-first financial products for anyone who moves to a new country. People whose problems we are uniquely positioned to solve. values and behaviours Get to know us better At Marshmallow, we live and breathe our values. They define who we are, what we stand for and how we work day-to-day. Could this be you? Check out our open roles. We think big and long-term, and are unafraid of solving problems in novel ways. Great leadership is the bedrock of great companies. That's why we invest heavily in development and measure all roles, no matter the level, against a set of key behaviours. This framework exists to set expectations and help you keep moving on up. 1 We're future-obsessed We know where we want to go long-term and provide an inspiring vision to get there. We anticipate changes in market conditions, regulation and technology to ensure we're always one step ahead. 2 We raise the bar We have unreasonably high ambition, and ensure we have the teams to back it up. We spend an inordinate amount of time ensuring we work with the best people and support them to fulfil their potential. Equally, we know mediocrity is contagious and extinguish it rapidly. 3 We're culture icons We are unyielding in our belief and advocation for our culture, always acting in-line with our values and encouraging teammates to put culture front and centre. 4 We know how to get stuff done, quickly and to a high standard both in teams and cross-functionally. What's it like to work here? We'll let the team answer this one Charlie "There are other areas in engineering that I'm interested in across the company. I've talked about this to my managers and they're very supportive. They've helped show me what improvements I need to make to get to the next level, and have made a lot of time to discuss those things with me in my reviews." Jerome "In my team, we are currently focusing on helping our customers reach out to us as easily and quickly as possible if they are involved in an accident. It is challenging due the complexity of process or some external requirements, for example. But, it is very rewarding to be able to help customer at a point in their experience where they really need our service to be here for them." Maria "We're building an insurance company from the ground up. That's exciting for engineers because they get to be part of the team that makes the very first decisions on how something is built. We have lots of problems to solve here, and engineers are at the centre of the solution!" To solve big problems, we need exceptional people from all walks of life. We're creating a culture where everyone feels empowered to bring their unique perspectives and boldest ideas to the table. We do this by following a three part philosophy: belonging, recognition, and influence. Discover more. We have two places to call home; London and Budapest. In London we have a large, modern office minutes from Old Street roundabout, offering easy access to transport links, shops and lunch spots. In Budapest, we have a brand-new office space near Fövám Square. It's designed just for us - and did we mention that it's dog friendly? Free breakfast and lunches Depending on where you're based, once a week or fortnight, lunch is on us! We also provide free breakfast supplies, plus plenty of snacks and a dedicated drinks fridge packed with sodas and tipples for after-work socials. Cheers. Company get togethers We have company parties twice a year in London and Budapest, a monthly All Hands, and annual off-site Ambition Days. Charity partnerships How we give back We proudly partner with two charities that support migrants and refugees in the UK and Hungary. Everyone at Marshmallow can take two volunteering days a year to lend a hand with employability workshops, mentoring and more. Breaking Barriers is a leading specialist refugee employment charity in the UK, driving the Business Behind Refugees movement and supporting refugees to find meaningful employment. This initiative empowers refugees and asylum seekers by helping them leverage their skills and talents to achieve financial independence and build new lives. Menedék is a charity who supports the social integration of domestic and foreign citizens migrating to and from Hungary. They do this through a variety of social, educational and cultural programs, including counselling, language lessons, training and workshops. Want to find out more about life at Marshmallow? If you don't see anything that fits you today, check back soon. We're scaling quickly, putting up new roles every week. Location London Employment Type Full time Location Type Hybrid Department Pricing, Underwriting & Fraud Pricing & Underwriting About Marshmallow We build financial products that accelerate the economic freedom for people who move across borders. We started with car insurance - insuring over a million drivers - and we're scaling beyond. Tens of millions of people move countries each year, facing overlooked financial challenges. Our future is in building financial products around their needs to positively impact their lives. How we work We're really proud of the culture we've created. We push for progress every day, because we know that we'll only hit big milestones by taking lots of smaller steps. We're always open to helping our team mates, sharing our ideas, experience and knowledge to solve problems together. We take risks, think creatively and experiment relentlessly to meet our customer's needs, and never pass blame when things go wrong. We encourage people at all levels to take ownership of their work, and to be bold in challenging how we do things. Everyone has a voice and the opportunity to make an impact. And autonomy and ownership are only possible with clear direction. That's why we collaborate to do in-depth planning twice a year, and make sure we leave with clear goals and objectives that flow from top to bottom. To make sure we're as aligned as possible across functions, most of our work rolls up into three tribes; Acquisition, Retention & Claims. Each tribe has multiple teams embedded in it, working cross-functionally to do great work. We're so excited for all of the challenges up ahead, and we need more people to help us tackle them! If life at Marshmallow sounds like it could be for you, explore our Culture Handbook to find out more. Pricing at Marshmallow This role will sit in the Risk Pricing Team, reporting into the Head of Risk Pricing and will be responsible for managing our Home portfolio. The team is responsible for managing our loss ratio, underwriting footprint and growth targets. This means that the Risk Pricing Team is 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 a massive contribution to the business, so we all take ownership, move fast, innovate and deliver changes to our rates at high frequency. A fantastic aspect of working at Marshmallow is that we have the backing of our senior leadership team to make decisions and take action autonomously. We're the masters of our own destiny and we're aren't tied down with vast amounts of red tape! We analyse, implement, learn and iterate rate changes before most pricing teams have had their Shreddies You'll also be excited to know that we don't just churn out GLMs all day. As part of a leading data organisation, supported by silky smooth pipelines and end to end ownership, we build exceptional pricing and fraud models using the latest modelling techniques. We know first hand what a powerful combination this is! 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! What you'll be doing Overseeing a new home book at launch, covering all pricing needs whilst engaging with Data/Engineering/Underwriting to drive improvements. Being responsible for delivering revenue and loss ratio initiatives. Working alongside the wider pricing team to deliver excellent home specific models, using them to deliver sustainable growth. Contributing to the strategic direction of the risk pricing team, identifying the tools, skills, infrastructure etc required to deliver a best-in-class technical pricing function. . click apply for full job details