Data Scientist; Claims at marshmallow

Data Scientist (Claims) at marshmallow – London 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.

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.
Marshmallow aims to make insurance more accessible and more affordable for as many people as possible 💸. That means harnessing technology, automation and intelligent decision making to serve customers better and cheaper than traditional insurers .

We’re here to generate insights and actions from all the data we can get our hands on. This includes analytics, predictive modelling, and prescriptive recommendations. We deliver high impact work to the business, focusing on high risk, high reward projects, and making sure all decisions are data driven.

We’re now looking for a Data Scientist to join our Claims Tribe
, where we are on a mission to transform how we handle claims by using data and AI to make faster and smarter decisions that improve outcomes and reduce costs 🎯.

This is a critical area of the business that directly affects our loss ratio, operational efficiency and customer satisfaction. You will build intelligent systems that help us solve the right claims at the right time for the right cost by combining predictive models, agentic AI workflows and automation to guide and accelerate decisions across the claim lifecycle. That includes decisioning models, fraud detection, prioritisation and workflow logic.

There are high impact problems to solve, and you will be part of a team that is actively redefining what great looks like in claims handling through the use of frontier AI tools and human in the loop systems.

Owning and delivering data science solutions that improve how we triage, prioritise and resolve claims with measurable impact on cost, speed and customer experience.

Building and deploying predictive models that support automated decisions or enable better human ones (e.g. risk triage, fraud signals, case prioritisation, exception handling).

Collaborating with engineers, product managers and claims experts to embed your models into our internal systems and tools.

Supporting an experimentation‑first mindset with A/B tests and analytics to prove business value.

Contributing to the definition of KPIs and analytical processes that help us evaluate and continuously improve claims performance.

Exploring opportunities to apply emerging AI technologies such as agentic systems and large language models to streamline workflows and assist decision makers in real time.

You are naturally curious and hands‑on, all things data and ML related.

You have a commercial mindset and focus on driving meaningful…