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Principal Data Scientist

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Salary
Not listed
Job type
Full-time
Work mode
Remote
Experience
Senior
Posted
6 Oct 2026
Status
Open · checked 7d ago

About this role

Based in London on a hybrid schedule with three days in the office, this Principal Data Scientist role involves leading machine learning and generative AI initiatives within the claims department at Marshmallow. This position suits an experienced technical leader who wants to drive automation and risk decisioning in a fast-growing financial services environment.

Role Overview

Affordable Car & Home Insurance is seeking a Principal Data Scientist to join the claims team in London. The position focuses on providing technical leadership across traditional machine learning and generative AI to automate the claims journey and enhance fraud detection.

Key Responsibilities

Provide technical leadership for data science across claims fraud, shaping risk decisioning and fraud detection approaches in collaboration with product and engineering teams.
Design, build, and iterate on production machine learning and generative AI or large language model systems supporting claims validation and automation.
Bring system-level thinking to model integration, data structures, and workflows to scale decisioning and reduce the time required to reach production.
Identify and advocate for platform and tooling investments, including monitoring, feedback loops, and quality assurance, to achieve end-to-end claims automation.
Establish high standards for statistical rigor, experimentation, and performance measurement for senior stakeholders.

Requirements

Bring significant commercial experience in delivering end-to-end machine learning solutions from initial problem framing through deployment and ongoing monitoring.
Demonstrate hands-on experience building and shipping production-grade generative AI systems, covering evaluation, safety, quality, and workflow integration.
Possess a strong foundation in statistics and modelling, with background experience in risk-based decisioning under uncertainty within regulated domains such as insurance, fraud, or credit.
Exhibit a proven ability to influence technical direction across data science and engineering by shaping scalable integration patterns.
Display strong stakeholder management capabilities with experience communicating trade-offs and collaborating with product and engineering teams.

Skills and Tools

Machine Learning
Generative AI
Large Language Models
Risk-Based Decisioning
Statistical Modelling

Salary and Benefits

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

About the Company

Founded in 2017 under the name Marshmallow, the organization has scaled to over 700 people, achieved unicorn status, and raised approximately £140 million across three funding rounds. The company operates profitably, has insured millions of drivers, issued car loans, and aims to become one of the largest financial services providers globally by expanding current products and building new ones.

How to Apply

Interested candidates should apply on the official company careers page.

Skills and tech stack

Questions candidates ask

What is the location and work arrangement for the Principal Data Scientist?

The role is located in London on a hybrid schedule requiring three days in the office.

Which team does this role support within the company?

The position sits within the Claims team, focusing on claims fraud, risk decisioning, and journey automation.

Does the position offer visa sponsorship?

Yes, visa sponsorship is available for this position.

What are the perks and benefits included with the job?

Perks include a performance bonus scheme, private medical insurance with Vitality, mental health support with Oliva, a personal learning budget with two dedicated learning and development days, a monthly flexible benefits budget, twenty-five days of holiday plus bank holidays, and four weeks of work from anywhere per year.

What does the interview process look like?

The process consists of an initial thirty-minute call with the talent team, a sixty-minute past experience interview with the hiring manager, a ninety-minute systems design and technical interview with team members, and a sixty-minute culture interview.

Ready to apply?

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

Apply on company site