Lead Risk Pricing Data Scientist
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 arent 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.
About the Role Were looking for a Lead Risk Pricing Data Scientist who will lead the development of our credit risk and pricing systems.
This is a unique opportunity to shape a new system from the ground up, unencumbered by legacy systems or constraints.
The Lead Risk Pricing Data Scientist will be a hands-on builder and help us develop a team over time.
They will be part of a small team of engineers and product people, working independently from the wider business.This role requires autonomy, drive, curiosity and collaboration.
What youll be doing: Designing, developing, and deploying innovative new pricing and underwriting models to price new to country migrants.Developing and owning robust risk monitoring and reporting processes to ensure we stay within appetite as we scale.Being a champion of data and solidifying data-driven processes within the team.Building a team of analysts and data scientists as we scale, and setting a culture of extremely high quality.The role reports to the GM of Marshmallow Credit.
You should apply if: You have a bias for action.
You are proactive at identifying opportunities and can unblock yourself to drive you and your team forward.You can be very hands-on.Working in a new vertical means that youll be working as the sole credit risk analyst initially.Youre a strong communicator and facilitator.
You can comfortably prototype to explore and present your work.You are deeply challenging.
You challenge how things are done, both externally and internally.Youre a pioneer.
You want to discover and scope new opportunities that may be uncharted territory.
This isnt for you if: You need top-down direction.
You will be the most experienced credit analyst in the company and will be expected to lead the strategy yourself.You rely on a large team of doers.You should be excited by getting your hands dirty and designing the first systems and models yourself.
What were looking for from you: Experiences that are essential: Experience building innovative productionised credit risk models.Experience directly leading or strongly contributing to credit risk strategies.Strong coding ability in Python and SQL.Experience using and deploying data science techniques.Ability to manipulate large data sets.5+ years commercial experience.
Experiences that will help you: Experience working in cross-functional teams.Experience in the car finance sector.Experience working with thin file customers.Experience working with open banking datasets.Experience managing a team.Experience in a high-growth company.
Perks of the job: Competitive bonus scheme
- designed to reward and recognise high performance.Flexible benefits budget
- £50 per month to spend on a Ben Mastercard.Sabbatical Leave
- Get a 4-week fully paid sabbatical after being with us for 4 years.Work From Anywhere
- 4 weeks work from anywhere to use, with no need to come to the office.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.Private health care
- Enjoy all the benefits Vitality has to offer.Medical cash plan
- To help you with the costs of dental, optical and physio.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!
Our process We break it up into 3 stages:Initial call with Daniel, our Talent Acquisition Partner (30 mins).A culture interview with our General Manager, Faris (1 hour).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.
To do that, were committed to hiring without judgement, prejudice or bias.Were working hard to build an inclusive culture that empowers our people to do their best work, have fun and feel that they belong.