Head of Credit Risk Pricing

Help us build an everything-but-average insurance brand. Fit for the ones who step outside the norm.

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.

For the next three years, that means becoming the go-to insurer for people who are new to the UK. A huge cohort of people that the industry is not set up to support. Not only do we cater for their immediate needs (fairer, cheaper prices), we also go above and beyond to make them feel seen and heard in everything we do.

London

Full time

New Products Car Finance

We started Marshmallow when we found out how unfair insurance prices are for people who move to the UK. All because the industry hasn't given this huge cohort of people a second's thought, and isn't set up to price them properly. We saw an opportunity to do things differently, so we made it our mission to back the ones who step outside the norm. Since we started, we've helped 100,000s of people get a fairer deal on their car insurance. Using technology, we serve people that are often overlooked by financial services companies, solving important problems for people who need it most.

1. Designing, developing, and deploying innovative new pricing and underwriting models to price new to country migrants.
2. Developing and owning robust risk monitoring and reporting processes to ensure we stay within appetite as we scale.
3. Being a champion of data and solidifying data-driven processes within the team.
4. Building a team of analysts and data scientists as we scale, and setting a culture of extremely high quality.

You should apply if:

1. You have a bias for action. You are proactive at identifying opportunities and can unblock yourself to drive you and your team forward.
2. You can be very hands-on. Working in a new vertical means that you'll be working as the sole credit risk analyst initially.
3. You're a strong communicator and facilitator.
4. You are deeply challenging.
5. You're a pioneer.

This isn't for you if:

1. You need top-down direction.
2. You rely on a large team of doers.

What we're looking for from you:

Experiences that are essential

1. Experience building innovative productionised credit risk models.
2. Experience directly leading or strongly contributing to credit risk strategies.
3. Strong coding ability in Python and SQL.
4. Experience using and deploying data science techniques.
5. Ability to manipulate large data sets.
6. 5+ years commercial experience.

Experiences that will help you

1. Experience working in cross-functional teams.
2. Experience in the car finance sector.
3. Experience working with thin file customers.
4. Experience working with open banking datasets.
5. Experience managing a team.
6. Experience in a high-growth company.

Perks of the job:

1. Competitive bonus scheme - designed to reward and recognise high performance.
2. Flexible benefits budget - £50 per month to spend on a Ben Mastercard.
3. Sabbatical Leave - Get a 4-week fully paid sabbatical after being with us for 4 years.
4. Work From Anywhere - 4 weeks work from anywhere to use, with no need to come to the office.
5. Mental wellbeing support - Access therapy and mental health sessions through Oliva.
6. Learning and development - Personal budgets for books and training courses.
7. Private health care - Enjoy all the benefits Vitality has to offer.
8. Medical cash plan - To help you with the costs of dental, optical and physio.
9. Tech scheme - Get the latest tech for less.
10. Plus all the rest; 33 days holiday (including bank holidays), pension, cycle to work scheme, monthly team socials and company-wide socials every month!

Our process

1. Initial call with Daniel, our Talent Acquisition Partner (30 mins).
2. A culture interview with our General Manager, Faris (1 hour).
3. A previous experience interview with Paul, our Director of Data Science & AI (45 minutes).

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. We're committed to hiring without judgement, prejudice or bias.