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. LONDON (HYBRID, 2-3 DAYS IN OFFICE) 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. - 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. 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 PERKS OF THE JOB - 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 able to offer visa sponsorship for this position. OUR PROCESS - Initial screening call with a member of the TA team (30 mins) - Past experience interview with our VP Insurance (60 minutes) - Technical interview (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 encourag