{"version":"0.1","company":{"name":"YubHub","url":"https://yubhub.co","jobsUrl":"https://yubhub.co/jobs/at/marshmallow/"},"x-facet":{"type":"company","slug":"marshmallow","display":"Marshmallow","count":6},"x-feed-size-limit":100,"x-feed-sort":"enriched_at desc","x-feed-notice":"This feed contains at most 100 jobs (the most recently enriched). For the full corpus, use the paginated /stats/by-facet endpoint or /search.","x-generator":"yubhub-xml-generator","x-rights":"Free to redistribute with attribution: \"Data by YubHub (https://yubhub.co)\"","x-schema":"Each entry in `jobs` follows https://schema.org/JobPosting. YubHub-native raw fields carry `x-` prefix.","jobs":[{"@context":"https://schema.org","@type":"JobPosting","identifier":{"@type":"PropertyValue","name":"YubHub","value":"job_091d070b-2b3"},"title":"Senior CRM Manager","description":"<p>We started building Marshmallow in 2017. Since then, we&#39;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.</p>\n<p>But we&#39;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&#39;ll grow exponentially, not only by scaling our existing products, but also by building new ones.</p>\n<p>To achieve our goals we need incredibly ambitious, commercially driven people who never settle for &#39;good enough&#39;. 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.</p>\n<p>We&#39;ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.</p>\n<p><strong>CRM at Marshmallow</strong></p>\n<p>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.</p>\n<p>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&#39;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.</p>\n<p><strong>What you&#39;ll be doing</strong></p>\n<ul>\n<li>Own and evolve Marshmallow&#39;s CRM operations capability, helping shape how the platform is used across the organisation.</li>\n<li>Build strong governance frameworks for CRM activity, including how campaigns are prioritised, sequenced, and managed across teams.</li>\n<li>Enable and support stakeholders across the business to use CRM effectively, increasing adoption while maintaining quality and consistency.</li>\n<li>Partner cross-functionally with teams across the organisation to identify opportunities, align on priorities, and improve customer communications.</li>\n<li>Use data and testing insights to inform decisions, optimise performance, and ensure CRM activity is driving measurable impact.</li>\n<li>Drive high-quality campaign execution through strong operational processes, audience segmentation, scheduling, and platform management.</li>\n</ul>\n<p><strong>Who you are</strong></p>\n<ul>\n<li>You&#39;re a self-starter who is comfortable with a high level of autonomy and enjoys taking ownership of ambiguous, high-impact work.</li>\n<li>You&#39;re curious and collaborative, and you like working with lots of different stakeholders to move work forward.</li>\n<li>You&#39;re someone who believes in enabling others, not gatekeeping expertise, and you&#39;re motivated by helping teams do better work together.</li>\n<li>You&#39;re commercially minded and pragmatic, with a strong instinct for where to focus your time to unlock the most value.</li>\n</ul>\n<p><strong>What you&#39;ll bring</strong></p>\n<ul>\n<li>Experience working in CRM operations or CRM management within an in-house, tech-led business, with a strong understanding of growth-focused customer communications.</li>\n<li>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.</li>\n<li>Proven experience creating CRM governance and enabling other teams to use CRM effectively across an organisation.</li>\n<li>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.</li>\n<li>Confidence in using data tools or AI-assisted analysis to generate insights and support decision-making.</li>\n</ul>\n<p><strong>Perks of the job</strong></p>\n<ul>\n<li>Bonus scheme designed to reward high performance.</li>\n<li>Private medical insurance with Vitality, mental health support with Oliva.</li>\n<li>Personal learning budget and 2 dedicated L&amp;D days a year.</li>\n<li>Monthly flexible benefits budget to spend as you choose.</li>\n<li>25 days holiday plus bank holidays.</li>\n<li>4 weeks Work From Anywhere per year.</li>\n</ul>\n<p style=\"margin-top:24px;font-size:13px;color:#666;\">XML job scraping automation by <a href=\"https://yubhub.co\">YubHub</a></p>","url":"https://yubhub.co/jobs/job_091d070b-2b3/","directApply":true,"hiringOrganization":{"@type":"Organization","name":"Marshmallow","sameAs":"https://marshmallow.com","logo":"https://logos.yubhub.co/marshmallow.com.png"},"x-apply-url":"https://jobs.ashbyhq.com/marshmallow/a28d77c6-2960-42f8-ae70-7b53ae555553?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply","x-work-arrangement":"hybrid","x-experience-level":"senior","x-job-type":"Full time","x-salary-range":null,"x-skills-required":["CRM operations","CRM management","Braze","data literacy","AI-assisted analysis"],"x-skills-preferred":[],"datePosted":"2026-10-25T09:17:58.773Z","jobLocation":{"@type":"Place","address":{"@type":"PostalAddress","addressLocality":"London"}},"employmentType":"FULL_TIME","occupationalCategory":"Design","industry":"Finance","skills":"CRM operations, CRM management, Braze, data literacy, AI-assisted analysis"},{"@context":"https://schema.org","@type":"JobPosting","identifier":{"@type":"PropertyValue","name":"YubHub","value":"job_8aa36479-a92"},"title":"Data Scientist (Credit) - Car Finance","description":"<p>We started building Marshmallow in 2017. Since then, we&#39;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.</p>\n<p>But we&#39;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&#39;ll grow exponentially, not only by scaling our existing products, but also by building new ones.</p>\n<p>To achieve our goals we need incredibly ambitious, commercially driven people who never settle for &#39;good enough&#39;. 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.</p>\n<p>We&#39;ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.</p>\n<p><strong>London (hybrid, 3 days in office)</strong></p>\n<p><strong>Car Finance at Marshmallow</strong></p>\n<p>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.</p>\n<p>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.</p>\n<p>Because we&#39;re a small, high-performing team, everyone has real ownership. We combine hands-on operations with a strong focus on automation and technology. We&#39;re designing highly automated, AI-powered processes that let us move faster and smarter than traditional lenders.</p>\n<p><strong>The Role</strong></p>\n<p>We&#39;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&#39;s working.</p>\n<p>Our customers are people that traditional lenders struggle to assess. Many are new to the UK, have thin or no credit files, and don&#39;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&#39;t, and we need to do it in a way that is fair, explainable and compliant.</p>\n<p>This role sits between a traditional credit analyst and a data scientist. You&#39;ll build and monitor scorecards, design and test credit strategies, dig into portfolio performance to find out what&#39;s really going on, and turn large, messy datasets into insights that change how we lend. You&#39;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.</p>\n<p>You&#39;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&#39;ll see the impact of your decisions immediately.</p>\n<p><strong>What you&#39;ll be doing</strong></p>\n<ul>\n<li>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.</li>\n<li>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.</li>\n<li>Run experiments and champion/challenge tests to prove that changes to policy and models actually work before we scale them.</li>\n<li>Explore new data sources and alternative signals, and build the case for using (or not using) them in decisioning.</li>\n<li>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.</li>\n<li>Work with our engineers to get models and rules into production, and use AI tooling to make yourself and the team faster.</li>\n</ul>\n<p><strong>What You&#39;ll Bring</strong></p>\n<p><strong>Must have</strong></p>\n<ul>\n<li>2–5 years&#39; experience in decision science or data science within consumer lending or another regulated financial services environment.</li>\n<li>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.</li>\n<li>Experience working with Open Banking or other alternative data in credit decisioning.</li>\n<li>SQL user, and comfortable working with large, imperfect datasets.</li>\n<li>A solid grounding in statistics and a good instinct for when a result is real and when it isn&#39;t.</li>\n<li>Commercial judgement: you can translate a model output into a lending decision and explain the trade-offs to a non-technical audience.</li>\n<li>Curiosity and ownership. You ask why, you dig until you find the answer, and you&#39;d rather ship something and improve it than wait for perfection.</li>\n</ul>\n<p><strong>Nice to have</strong></p>\n<ul>\n<li>Motor finance or other secured lending experience.</li>\n<li>Experience of working within a rapidly scaling lending environment.</li>\n<li>Familiarity with UK consumer credit regulation and how it shapes model design and use.</li>\n<li>Experience using LLMs to speed up analytical work.</li>\n<li>You already know some of the tooling Marshmallow uses: Snowflake, Python, Claude, Linear, Notion.</li>\n</ul>\n<p><strong>Perks of the job</strong></p>\n<ul>\n<li>Bonus scheme designed to reward high performance</li>\n<li>Private medical insurance with Vitality, mental health support with Oliva</li>\n<li>Personal learning budget and 2 dedicated L&amp;D days a year</li>\n<li>Monthly flexible benefits budget to spend as you choose</li>\n<li>25 days holiday plus bank holidays</li>\n<li>4 weeks Work From Anywhere per year</li>\n</ul>\n<p style=\"margin-top:24px;font-size:13px;color:#666;\">XML job scraping automation by <a href=\"https://yubhub.co\">YubHub</a></p>","url":"https://yubhub.co/jobs/job_8aa36479-a92/","directApply":true,"hiringOrganization":{"@type":"Organization","name":"Marshmallow","sameAs":"https://marshmallow.com","logo":"https://logos.yubhub.co/marshmallow.com.png"},"x-apply-url":"https://jobs.ashbyhq.com/marshmallow/c316bf98-6f62-43be-914b-b96f486e08ce?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply","x-work-arrangement":"hybrid","x-experience-level":"mid","x-job-type":"Full time","x-salary-range":null,"x-skills-required":["decision science","data science","credit scorecards","risk models","Open Banking","SQL","statistics"],"x-skills-preferred":["motor finance","secured lending","UK consumer credit regulation","LLMs","Snowflake","Python","Claude","Linear","Notion"],"datePosted":"2026-10-25T08:37:43.876Z","jobLocation":{"@type":"Place","address":{"@type":"PostalAddress","addressLocality":"London"}},"employmentType":"FULL_TIME","occupationalCategory":"Data Science","industry":"Finance","skills":"decision science, data science, credit scorecards, risk models, Open Banking, SQL, statistics, motor finance, secured lending, UK consumer credit regulation, LLMs, Snowflake, Python, Claude, Linear, Notion"},{"@context":"https://schema.org","@type":"JobPosting","identifier":{"@type":"PropertyValue","name":"YubHub","value":"job_18737c17-78d"},"title":"Financial Reporting and Technical Accountant","description":"<p>We started building Marshmallow in 2017. Since then, we&#39;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.</p>\n<p>But we&#39;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&#39;ll grow exponentially, not only by scaling our existing products, but also by building new ones.</p>\n<p>To achieve our goals we need incredibly ambitious, commercially driven people who never settle for &#39;good enough&#39;. 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.</p>\n<p>We&#39;ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.</p>\n<p><strong>About the role</strong></p>\n<p>This is a senior individual contributor role and the Controllership team&#39;s primary technical accounting expert. You will own the most complex and judgement-intensive accounting areas across the Group , spanning the UK insurance broker, claims handling, car finance and its associated SPV structure, and the Group holding company , and act as the go-to resource for the team, business stakeholders, and external auditors on technical accounting matters.</p>\n<p>You will work with a high degree of autonomy, reporting directly to the Group Financial Controller. You are expected to solve complex problems independently, document and defend accounting positions to audit standard, coach more junior colleagues, and communicate clearly to senior stakeholders across Finance and the wider business. This role sits at the heart of the Group&#39;s effort to close legacy accounting gaps, maintain audit readiness, and build controls that scale as Marshmallow grows.</p>\n<p><strong>Responsibilities</strong></p>\n<p><strong>Technical accounting across the Group</strong></p>\n<ul>\n<li>Own and maintain Group accounting policies across all entities in scope, ensuring alignment with FRS 102 and applicable regulatory requirements</li>\n</ul>\n<ul>\n<li>Lead the Group&#39;s FRS 102 (2026 amendments) impact assessment and transition , with particular focus on revised revenue recognition and expected credit loss provisions across the business</li>\n</ul>\n<ul>\n<li>Be the authoritative internal voice on complex, judgement-intensive areas across the Group including: share-based payments, capital development and intangibles, lease accounting, bad debt provisioning and impairment, periodic payment orders (PPOs), HP loan recognition and ECL provisioning, and SPV accounting</li>\n</ul>\n<ul>\n<li>Own the technical accounting for the car finance business and its associated SPV structure</li>\n</ul>\n<ul>\n<li>Own the technical accounting for the UK insurance broking and claims handling businesses</li>\n</ul>\n<ul>\n<li>Drive resolution of legacy technical items and prior year audit findings , working through open issues to root-cause resolution rather than one-off workarounds</li>\n</ul>\n<p><strong>Revenue recognition , transformation workstream</strong></p>\n<ul>\n<li>Lead the documentation and review of revenue recognition policies across the business, ensuring they are accurate, consistently applied, and fit for audit scrutiny</li>\n</ul>\n<ul>\n<li>Own the technical accounting perspective on the revenue data workstream , understanding how revenue flows are constructed, identifying any gaps between accounting policy and practice, and driving remediation where needed</li>\n</ul>\n<ul>\n<li>Work cross-functionally with Engineering, Data, and FP&amp;A to ensure the financial reporting of revenue is grounded in a robust and well-documented technical foundation</li>\n</ul>\n<p><strong>Insurance knowledge , Group-level review and challenge</strong></p>\n<ul>\n<li>Insurance industry knowledge is a core requirement of this role , while BAU technical accounting for the Group&#39;s insurance underwriting entity (based in Gibraltar) sits with a separate Finance team, you will be expected to review, challenge, and engage with Gibraltar Finance team from a Group perspective</li>\n</ul>\n<ul>\n<li>This includes understanding earned premium, technical provisions, reinsurance accounting, and the financial reporting implications of the Group&#39;s insurance structures , and being able to apply that understanding in Group consolidation and in conversations with auditors</li>\n</ul>\n<ul>\n<li>You will bring a Group finance lens to insurance-related accounting questions arising across the business</li>\n</ul>\n<p><strong>Audit readiness &amp; accounting quality</strong></p>\n<ul>\n<li>Prepare and review complex balance sheet reconciliations and accounting entries across the entities in scope, maintaining the quality and evidencing standard required for external audit</li>\n</ul>\n<ul>\n<li>Act as the primary Finance contact for external auditors on technical accounting judgements , prepare clear, well-evidenced documentation for complex or contested positions</li>\n</ul>\n<ul>\n<li>Proactively identify and close accounting quality gaps, with a focus on sustainable fixes that hold up to scrutiny in future audit cycles</li>\n</ul>\n<p><strong>Coaching &amp; cross-functional collaboration</strong></p>\n<ul>\n<li>Actively coach and develop more junior colleagues on technical accounting topics , raising the overall capability of the team is a genuine expectation of this role, not a secondary duty</li>\n</ul>\n<ul>\n<li>Work alongside FP&amp;A, Actuarial, Legal, and new business teams to embed technical accounting requirements early in product and process design</li>\n</ul>\n<ul>\n<li>Support the Group Financial Controller in preparing clear technical accounting analysis for senior Finance stakeholders</li>\n</ul>\n<p><strong>What we&#39;re looking for</strong></p>\n<p><strong>Technical accounting knowledge</strong></p>\n<ul>\n<li>ACA, ACCA or equivalent , fully qualified, with substantial post-qualification experience in a technical accounting or senior controllership role</li>\n</ul>\n<ul>\n<li>Insurance industry knowledge is essential , you must have a working understanding of insurance accounting (earned premium, technical provisions, reinsurance structures) and be able to apply and challenge it at Group level from day one</li>\n</ul>\n<ul>\n<li>Advanced, demonstrable command of FRS 102 and/or IFRS, with a track record of applying complex standards and documenting accounting judgements to audit standard</li>\n</ul>\n<ul>\n<li>Experience with car finance or consumer credit accounting , HP income recognition, IFRS 9 / ECL, and ideally SPV or securitisation structures , is a strong advantage</li>\n</ul>\n<ul>\n<li>Comfortable passing on technical knowledge and coaching colleagues , the expectation is that you actively raise the team&#39;s technical capability, not just your own output</li>\n</ul>\n<p><strong>Background &amp; experience</strong></p>\n<ul>\n<li>Big 4 audit background is a plus, particularly with insurance or financial services clients , the ability to construct and evidence robust accounting positions is directly relevant to how this team engages with its auditors</li>\n</ul>\n<ul>\n<li>Experience in a multi-entity group structure with consolidated reporting across UK GAAP / FRS 102</li>\n</ul>\n<ul>\n<li>Prior exposure to FCA-regulated or insurance-regulated environments is strongly preferred</li>\n</ul>\n<p><strong>Data &amp; systems</strong></p>\n<ul>\n<li>Advanced Excel; strong working knowledge of ERP systems , NetSuite experience is an advantage</li>\n</ul>\n<ul>\n<li>Able to work with large and imperfect data sets; comfortable deriving well-supported conclusions where source data has gaps</li>\n</ul>\n<ul>\n<li>Familiarity with BI tools such as Looker or Snowflake is useful but not required</li>\n</ul>\n<p><strong>How you work</strong></p>\n<ul>\n<li>Takes ownership of complex, multi-workstream problems and sees them through independently , escalates selectively and with good judgement</li>\n</ul>\n<ul>\n<li>Presents highly complex analysis clearly to both technical and non-technical audiences</li>\n</ul>\n<ul>\n<li>Proactively identifies control risks and improvement opportunities rather than waiting to be directed</li>\n</ul>\n<ul>\n<li>Comfortable in an environment where process maturity is still developing , building rigour is part of the job, not an obstacle to it</li>\n</ul>\n<p><strong>Perks &amp; benefits</strong></p>\n<ul>\n<li>Bonus scheme designed to reward high performance</li>\n</ul>\n<ul>\n<li>Private medical insurance with Vitality, mental health support with Oliva</li>\n</ul>\n<ul>\n<li>Personal learning budget and 2 dedicated L&amp;D days a year</li>\n</ul>\n<ul>\n<li>Monthly flexible benefits budget to spend as you choose</li>\n</ul>\n<ul>\n<li>25 days holiday plus bank holidays</li>\n</ul>\n<ul>\n<li>4 weeks Work From Anywhere per year</li>\n</ul>\n<p><strong>Our process</strong></p>\n<p>Here&#39;s what to expect:</p>\n<ol>\n<li>Intro call with our Talent team (30 mins)</li>\n</ol>\n<ol>\n<li>Skills and experience interview the hiring manager (1 hour)</li>\n</ol>\n<ol>\n<li>Task-based interview (1 hour)</li>\n</ol>\n<ol>\n<li>Values and ways of working interview (1 hour)</li>\n</ol>\n<p>We review every application and will always let you know the outcome - though we&#39;re unable to provide individual feedback at application stage.</p>\n<p><strong>Diversity of thought</strong></p>\n<p>We know the best ideas come from having different perspectives in the room - and we&#39;re committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we&#39;d encourage you to apply.</p>\n<p style=\"margin-top:24px;font-size:13px;color:#666;\">XML job scraping automation by <a href=\"https://yubhub.co\">YubHub</a></p>","url":"https://yubhub.co/jobs/job_18737c17-78d/","directApply":true,"hiringOrganization":{"@type":"Organization","name":"Marshmallow","sameAs":"https://marshmallow.com","logo":"https://logos.yubhub.co/marshmallow.com.png"},"x-apply-url":"https://jobs.ashbyhq.com/marshmallow/a6a7d01a-8e50-4622-8689-cfe3f41a1131?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply","x-work-arrangement":"hybrid","x-experience-level":"senior","x-job-type":"Full time","x-salary-range":null,"x-skills-required":["FRS 102","IFRS","Insurance accounting","Car finance accounting","SPV accounting","Technical accounting","Auditing","Financial reporting","Revenue recognition","Expected credit loss provisions","Lease accounting","Bad debt provisioning","Impairment","Periodic payment orders","HP loan recognition","ECL provisioning"],"x-skills-preferred":["Big 4 audit experience","Insurance industry knowledge","Car finance or consumer credit accounting experience","NetSuite experience","BI tools experience"],"datePosted":"2026-10-25T06:56:47.351Z","jobLocation":{"@type":"Place","address":{"@type":"PostalAddress","addressLocality":"London"}},"employmentType":"FULL_TIME","occupationalCategory":"Finance","industry":"Finance","skills":"FRS 102, IFRS, Insurance accounting, Car finance accounting, SPV accounting, Technical accounting, Auditing, Financial reporting, Revenue recognition, Expected credit loss provisions, Lease accounting, Bad debt provisioning, Impairment, Periodic payment orders, HP loan recognition, ECL provisioning, Big 4 audit experience, Insurance industry knowledge, Car finance or consumer credit accounting experience, NetSuite experience, BI tools experience"},{"@context":"https://schema.org","@type":"JobPosting","identifier":{"@type":"PropertyValue","name":"YubHub","value":"job_fe1decf7-22b"},"title":"Head of Data Science (12m fixed-term contract)","description":"<p>We started building Marshmallow in 2017. Since then, we&#39;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.</p>\n<p>But we&#39;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&#39;ll grow exponentially, not only by scaling our existing products, but also by building new ones.</p>\n<p>To achieve our goals we need incredibly ambitious, commercially driven people who never settle for &#39;good enough&#39;. 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.</p>\n<p>We&#39;ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.</p>\n<p><strong>12m FTC - (London, hybrid 3 days a week)</strong></p>\n<p><strong>Data Science at Marshmallow</strong></p>\n<p>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.</p>\n<p>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.</p>\n<p><strong>About the team</strong></p>\n<p>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.</p>\n<p><strong>Product &amp; Tech at Marshmallow</strong></p>\n<p><strong>Backend and Infrastructure:</strong></p>\n<p>Latest Java μService, Spring Boot with Spring Cloud, Dynamodb, Terraform, Docker, AWS Fargate, Datadog, Opslevel, and TeamCity.</p>\n<p><strong>Frontend and Mobile:</strong></p>\n<p>TypeScript, CSS-in-JS (Styled Components), React, Redux, Redux Hooks, and other modern state management libraries. Kotlin on Android and Swift on iOS.</p>\n<p><strong>Data:</strong></p>\n<p>SQL, Python, Snowflake, dbt, Airflow &amp; 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.</p>\n<p><strong>What you&#39;ll be doing</strong></p>\n<ul>\n<li>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.</li>\n</ul>\n<ul>\n<li>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.</li>\n</ul>\n<ul>\n<li>Provide hands-on technical leadership: set and hold a consistent bar on technical standards across the full modelling and data lifecycle.</li>\n</ul>\n<ul>\n<li>Represent data science in cross-functional conversations, partnering closely with engineering, product and pricing on technical direction and trade-offs.</li>\n</ul>\n<ul>\n<li>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.</li>\n</ul>\n<p><strong>Who you are</strong></p>\n<ul>\n<li>You bring an inherently commercial-first mindset: you don&#39;t just build models, you build solutions that directly influence the P&amp;L, and you constantly evaluate every technical trade-off through a rigorous lens of business value.</li>\n</ul>\n<ul>\n<li>You make confident decisions even when the picture is still forming, and you&#39;re comfortable operating across more than one domain at once.</li>\n</ul>\n<ul>\n<li>You have a track record of driving visible improvements to team culture, ways of working, and technical standards.</li>\n</ul>\n<ul>\n<li>You build trust quickly with a team, and coach others to challenge and disagree constructively, to drive decisions that deliver the highest-impact outcomes</li>\n</ul>\n<ul>\n<li>You thrive in a fast paced and ever-evolving environment; you adapt to change well (and in fact relish it!).</li>\n</ul>\n<ul>\n<li>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.</li>\n</ul>\n<p><strong>What we&#39;re looking for from you</strong></p>\n<p><strong>Must have:</strong></p>\n<ul>\n<li>Excellent leadership and team management skills.</li>\n</ul>\n<ul>\n<li>A strong background as a senior data science individual contributor, with commercial experience delivering ML solutions end to end</li>\n</ul>\n<ul>\n<li>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.</li>\n</ul>\n<ul>\n<li>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.</li>\n</ul>\n<p><strong>Nice to have:</strong></p>\n<ul>\n<li>Experience in insurance, fraud, or another regulated decisioning domain.</li>\n</ul>\n<ul>\n<li>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</li>\n</ul>\n<p><strong>Perks &amp; benefits</strong></p>\n<ul>\n<li>Bonus scheme designed to reward high performance</li>\n</ul>\n<ul>\n<li>Private medical insurance with Vitality, mental health support with Oliva</li>\n</ul>\n<ul>\n<li>Personal learning budget and 2 dedicated L&amp;D days a year</li>\n</ul>\n<ul>\n<li>Monthly flexible benefits budget to spend as you choose</li>\n</ul>\n<ul>\n<li>25 days holiday plus bank holidays</li>\n</ul>\n<ul>\n<li>4 weeks Work From Anywhere per year</li>\n</ul>\n<p><strong>Our process</strong></p>\n<ol>\n<li>Recruiter call with the Talent Acquisition team.</li>\n</ol>\n<ol>\n<li>Past experience interview with Hannah Penfold, Hiring Manager.</li>\n</ol>\n<ol>\n<li>Technical deep dive or case study focused on technical trade-offs, commercial thinking and influence (2 Senior Stakeholders)</li>\n</ol>\n<ol>\n<li>Final leadership and values interviews with senior technology and commercial stakeholders, (CTO &amp; Co-Founder)</li>\n</ol>\n<p>We review every application and will always let you know the outcome, though we&#39;re unable to provide individual feedback at application stage.</p>\n<p><strong>Diversity of thought</strong></p>\n<p>We know the best ideas come from having different perspectives in the room - and we&#39;re committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we&#39;d encourage you to apply.</p>\n<p style=\"margin-top:24px;font-size:13px;color:#666;\">XML job scraping automation by <a href=\"https://yubhub.co\">YubHub</a></p>","url":"https://yubhub.co/jobs/job_fe1decf7-22b/","directApply":true,"hiringOrganization":{"@type":"Organization","name":"Marshmallow","sameAs":"https://marshmallow.com","logo":"https://logos.yubhub.co/marshmallow.com.png"},"x-apply-url":"https://jobs.ashbyhq.com/marshmallow/3dee50f9-717b-4311-b1f3-1da2cef18c20?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply","x-work-arrangement":"hybrid","x-experience-level":"senior","x-job-type":"Full time","x-salary-range":null,"x-skills-required":["leadership","team management","data science","machine learning","stakeholder management"],"x-skills-preferred":["insurance","fraud","Gen AI","regulated decisioning domain"],"datePosted":"2026-10-25T06:36:27.489Z","jobLocation":{"@type":"Place","address":{"@type":"PostalAddress","addressLocality":"London"}},"employmentType":"FULL_TIME","occupationalCategory":"Data Science","industry":"Finance","skills":"leadership, team management, data science, machine learning, stakeholder management, insurance, fraud, Gen AI, regulated decisioning domain"},{"@context":"https://schema.org","@type":"JobPosting","identifier":{"@type":"PropertyValue","name":"YubHub","value":"job_bff7e816-98d"},"title":"Senior Operations Manager, Car Finance","description":"<p>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.</p>\n<p>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.</p>\n<p>We&#39;re using tech and AI to build an AI-native operations function, and we&#39;re looking for this person to work alongside our engineers to automate everything automatable, while keeping humans involved where human input is required.</p>\n<p>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.</p>\n<p>The role reports into the General Manager, Car Finance.</p>\n<p><strong>Responsibilities</strong></p>\n<ul>\n<li>Lead the collections and servicing team, owning performance, coaching, development and hiring as the function scales.</li>\n<li>Develop a best in class collections approach: delivering leading business outcomes, looking after customers, and ensuring we&#39;re meeting our regulatory and statutory requirements</li>\n<li>Build an excellence-focussed, customer-centric culture within our operations function</li>\n<li>Build relationships with brokers and dealers and ensure our underwriting and pay out processes meet their needs</li>\n<li>Own key commercial outcomes around servicing and collections, including reporting up to the car finance leadership team and key group stakeholders</li>\n<li>Work with our engineering team to build a highly efficient, AI-native operations function that supports and complements customer-centric expert</li>\n</ul>\n<p><strong>Requirements</strong></p>\n<ul>\n<li>Significant operational leadership experience in regulated financial services</li>\n<li>Deep working knowledge of UK consumer credit conduct requirements</li>\n<li>Experience running or building an operations function through a period of volume growth</li>\n<li>Comfort using data to set priorities, size problems and evidence decisions</li>\n<li>Ability to adapt to AI-native and tech-enabled ways of working</li>\n</ul>\n<p><strong>Nice to Have</strong></p>\n<ul>\n<li>Motor finance or hire purchase experience</li>\n<li>Experience using LLMs to drive operational efficiencies</li>\n<li>You already know some of the stack: Linear, Google Suite, Notion, Intercom, Claude.</li>\n</ul>\n<p><strong>Perks &amp; Benefits</strong></p>\n<ul>\n<li>Bonus scheme designed to reward high performance</li>\n<li>Private medical insurance with Vitality, mental health support with Oliva</li>\n<li>Personal learning budget and 2 dedicated L&amp;D days a year</li>\n<li>Monthly flexible benefits budget to spend as you choose</li>\n<li>25 days holiday plus bank holidays</li>\n<li>4 weeks Work From Anywhere per year</li>\n</ul>\n<p style=\"margin-top:24px;font-size:13px;color:#666;\">XML job scraping automation by <a href=\"https://yubhub.co\">YubHub</a></p>","url":"https://yubhub.co/jobs/job_bff7e816-98d/","directApply":true,"hiringOrganization":{"@type":"Organization","name":"Marshmallow","sameAs":"https://marshmallow.com","logo":"https://logos.yubhub.co/marshmallow.com.png"},"x-apply-url":"https://jobs.ashbyhq.com/marshmallow/5f22a7c3-d4b4-428b-8d17-237e3c50cd37?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply","x-work-arrangement":"hybrid","x-experience-level":"senior","x-job-type":"Full time","x-salary-range":null,"x-skills-required":["operational leadership","regulated financial services","UK consumer credit conduct requirements","data analysis","AI-native and tech-enabled ways of working"],"x-skills-preferred":["motor finance or hire purchase experience","LLMs to drive operational efficiencies","Linear","Google Suite","Notion","Intercom","Claude"],"datePosted":"2026-10-25T04:55:09.062Z","jobLocation":{"@type":"Place","address":{"@type":"PostalAddress","addressLocality":"London"}},"employmentType":"FULL_TIME","occupationalCategory":"Operations","industry":"Finance","skills":"operational leadership, regulated financial services, UK consumer credit conduct requirements, data analysis, AI-native and tech-enabled ways of working, motor finance or hire purchase experience, LLMs to drive operational efficiencies, Linear, Google Suite, Notion, Intercom, Claude"},{"@context":"https://schema.org","@type":"JobPosting","identifier":{"@type":"PropertyValue","name":"YubHub","value":"job_ad1c0a48-9a1"},"title":"Large Loss Handler","description":"<p>We started building Marshmallow in 2017. Since then, we&#39;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.</p>\n<p>Our goal is to become one of the largest financial services providers in the world. To achieve this, we need ambitious, commercially driven people who never settle for &#39;good enough&#39;.</p>\n<p><strong>About the team</strong></p>\n<p>Our Large Loss Specialists handle Marshmallow&#39;s most complex and high-value motor claims, often involving catastrophic injuries. The team acts as a centre of technical expertise, sharing insights and driving consistency across Claims.</p>\n<p><strong>What you&#39;ll be doing</strong></p>\n<ul>\n<li>Managing a portfolio of high-value motor claims, typically valued above £250,000, through pre- and post-litigation.</li>\n<li>Investigating liability, indemnity and coverage while setting proactive, commercial and empathetic claim strategies.</li>\n<li>Reserving accurately for complex injuries and future losses, using available evidence and tools like PI Calc.</li>\n<li>Identifying recovery opportunities and ensuring they&#39;re actioned by relevant teams.</li>\n<li>Collaborating with panel solicitors, reinsurers and internal teams to reduce claim lifecycles, control legal spend and pursue recovery opportunities.</li>\n<li>Shaping our Large Loss strategy while coaching colleagues and sharing technical knowledge across Claims.</li>\n</ul>\n<p><strong>Your expertise</strong></p>\n<ul>\n<li>Strong experience managing high-value or catastrophic motor bodily injury claims with current authority of at least £250,000.</li>\n<li>Deep knowledge of liability, indemnity, causation, reserving, future losses, the Ogden discount rate and complex medical issues.</li>\n<li>Experience handling litigated claims and applying relevant procedures and frameworks.</li>\n</ul>\n<p><strong>Who you are</strong></p>\n<ul>\n<li>You balance empathy for customers with proactive, commercial decision-making.</li>\n<li>You investigate complex issues thoroughly and own your decisions through to settlement.</li>\n<li>You explain technical judgments clearly and build effective partnerships with internal and external stakeholders.</li>\n<li>You share your expertise, seek feedback and want to help shape a growing Large Loss function.</li>\n</ul>\n<p><strong>Perks &amp; benefits</strong></p>\n<ul>\n<li>Bonus scheme designed to reward high performance</li>\n<li>Private medical insurance with Vitality, mental health support with Oliva</li>\n<li>Personal learning budget and 2 dedicated L&amp;D days a year</li>\n<li>Monthly flexible benefits budget to spend as you choose</li>\n<li>25 days holiday plus bank holidays</li>\n<li>4 weeks Work From Anywhere per year</li>\n</ul>\n<p style=\"margin-top:24px;font-size:13px;color:#666;\">XML job scraping automation by <a href=\"https://yubhub.co\">YubHub</a></p>","url":"https://yubhub.co/jobs/job_ad1c0a48-9a1/","directApply":true,"hiringOrganization":{"@type":"Organization","name":"Marshmallow","sameAs":"https://marshmallow.com","logo":"https://logos.yubhub.co/marshmallow.com.png"},"x-apply-url":"https://jobs.ashbyhq.com/marshmallow/034a8a61-e5ec-4aff-88db-da23473e4824?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply","x-work-arrangement":"hybrid","x-experience-level":"senior","x-job-type":"Full time","x-salary-range":null,"x-skills-required":["Motor claims handling","Liability investigation","Indemnity assessment","Claims reserving","Complex injury management"],"x-skills-preferred":[],"datePosted":"2026-10-25T04:00:23.779Z","jobLocation":{"@type":"Place","address":{"@type":"PostalAddress","addressLocality":"London"}},"employmentType":"FULL_TIME","occupationalCategory":"Finance","industry":"Finance","skills":"Motor claims handling, Liability investigation, Indemnity assessment, Claims reserving, Complex injury management"}]}