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Data Scientist (Credit) - Car Finance

Affordable Car & Home InsuranceLondonCar Finance
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Salary
Not listed
Job type
Full-time
Work mode
Remote
Experience
Mid · 2+ yrs
Posted
9 Oct 2026
Status
Open · checked 7d ago

About this role

Data Scientist (Credit) - Car Finance is a full-time hybrid position based in London at Affordable Car & Home Insurance, also referred to as Marshmallow. This role suits a commercial data professional with experience in consumer lending who wants end-to-end ownership over credit decisioning platforms.

Role Overview

The Data Scientist sits at the core of lending operations, determining loan approvals, pricing strategies, and portfolio performance evaluation. Operating within a hybrid setup requiring three days in the London office, the position involves building next-generation lending platforms designed for newcomers to the UK who lack traditional credit bureau files.

Key Responsibilities

Build, validate, and monitor application and behavioural scorecards using internal, bureau, and Open Banking data.
Design and refine credit strategies including cut-offs, affordability rules, and pricing tiers balancing risk, volume, and margin.
Execute experiments and champion-challenge tests to evaluate policy and model adjustments prior to scaling.
Investigate alternative data sources and signals to determine their viability in credit decisioning.
Support model governance by documenting builds, evidencing fair customer treatment, and meeting regulatory obligations.
Collaborate with engineers to deploy models and rules into production while utilizing AI tooling to accelerate team workflows.

Requirements

Two to five years of experience in data science or decision science within consumer lending or a regulated financial services setting.
Practical experience developing or refining risk models or credit scorecards using logistic regression or gradient boosting.
Background handling Open Banking or alternative data sources for credit decisions.
Proficiency in SQL and ability to analyze large, imperfect datasets.
Strong foundation in statistics and commercial judgment to translate model outputs into lending decisions.

Nice to Have

Experience in motor finance or secured lending.
Background in a rapidly scaling lending organization.
Knowledge of UK consumer credit regulations.
Familiarity applying LLMs to accelerate analytical tasks.
Prior experience with company tooling such as Snowflake, Python, Claude, Linear, and Notion.

Skills and Tools

SQL
Python
Snowflake
Claude
Linear
Notion
Logistic regression
Gradient boosting
Open Banking

Salary and Benefits

Performance-reward bonus scheme
Private medical insurance via Vitality and mental health support via Oliva
Personal learning budget and two dedicated learning and development days annually
Monthly flexible benefits budget
Twenty-five days of holiday plus bank holidays
Four weeks of work-from-anywhere per year

About the Company

Founded in 2017, Marshmallow has grown significantly, achieving unicorn status and scaling to over 700 employees while remaining profitable. The company focuses on expanding financial services access to migrants and newcomers to the UK through fair car insurance and car finance products.

How to Apply

Candidates should apply directly on the official company careers page.

Skills and tech stack

SQLPythonSnowflakeClaudeLinearNotionLLMs

Questions candidates ask

What is the location and work arrangement for this role?

The role is based in London with a hybrid working arrangement requiring three days in the office.

How many years of experience are required?

The posting requires 2 to 5 years of experience in decision science or data science within consumer lending or a regulated financial services environment.

Is visa sponsorship available for this position?

No, visa sponsorship is not available for this position.

What perks and benefits are included?

Benefits include a performance bonus, Vitality private medical insurance, Oliva mental health support, a personal learning budget with two dedicated L&D days, a monthly flexible benefits budget, 25 days holiday plus bank holidays, and 4 weeks of work from anywhere per year.

What does the interview process look like?

The process includes an initial 30-minute call with the Talent Team, a 60-minute Past Experience interview with the Hiring Manager, and an onsite interview featuring a 60-minute technical interview and a 60-minute culture interview.

Ready to apply?

The application is on the official Affordable Car & Home Insurance careers page.

Apply on company site