Data Science Manager, Pricing

Marshmallow

We’re on a mission to make migration easy. We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans. But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones. To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest. We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you. LONDON (HYBRID, 2-3 DAYS IN OFFICE) PRICING AT MARSHMALLOW This role will sit in the Pricing Team, reporting into the Pricing Data Science Manager. The team is responsible for managing our loss ratio, underwriting footprint, broker optimisation and growth targets, proving integral to driving the business forwards. But you’ve probably read that all before! So what’s new? We work in a very different way to most pricing teams that you might be familiar with. Everyone in Pricing has the potential to make significant contribution to the business, taking ownership, moving fast, innovating and delivering changes to our rates at high frequency. We don’t just churn out GLMs all day. We build & deploy exceptional in-house pricing data science models using the latest modelling techniques. You’ll work alongside other Pricing Data Scientists & Analysts pushing innovative pricing projects, whilst also being able to work with the wider Data Science community on modelling customer behaviour, fraud & MLENG enhancements. We work alongside a bunch of amazing engineers who ensure we can implement our decisions quickly. We also have access to huge amounts of data. We don’t just mean your standard policy, claims and quote data. Our engineers spend their lives building APIs to third parties so that we know more about our customers than any of our competitors. All of this means that you’ll have access to as much data as you can handle, the freedom to be creative, the backing of senior leaders to make decisions, and the ability to see your ideas implemented rapidly. And on top of all of that, we’re a pretty fun group to hang around with! WHAT YOU’LL BE DOING * Developing a deep understanding of Marshmallow’s quote, policy and claims data and use this to derive insights that can be used to enhance our pricing. * Own one of the strategic initiatives of the pricing team, such as supporting our expansion plans or protecting our renewing customers. * Conducting claims analysis and claims modelling using SQL and Python. * Conducting price optimisation analysis/modelling using Python. * Building and deploying models in APIs for use in real time pricing. * Identify new sources of external data that enable us to refine our view of claims risk, and conduct analysis to quantify their value. * Working directly with our Engineering & MLENG functions to implement pricing proposals. * Providing pricing support for the launch of multiple new products. WHO ARE YOU? * Proactive: You drive growth by identifying & delivering new opportunities  * Modeller: You use your DS expertise to build innovative best in class models * Commercial: You directly use your models as tools to deliver timely real world impact * Curious: You aren’t satisfied with ‘That’s just how it is’; you immediately investigate further * Owner: You don’t just pull existing levers - you own end to end transformation in your area * Opinionated: You generate your own opinions & pitch to others in an open & honest way * Explainer: You can communicate complicated concepts in a simple way to non-experts * Networker: You build and maintain strong relationships throughout the business WHAT SKILLS ARE WE LOOKING FOR FROM YOU? * Ability to interrogate data and conduct pricing analysis within SQL & Python/R * Ability to build GLMs, GBMs and other claims models within Python/R * At least 3 years of experience working in a data driven (ideally commercial) role PERKS OF THE JOB * Bonus scheme designed to reward high performance * Private medical insurance with Vitality, mental health support with Oliva * Personal learning budget and 2 dedicated L&D days a year * Monthly flexible benefits budget to spend as you choose * 25 days holiday plus bank holidays * 4 weeks Work From Anywhere per year   We are able to offer visa sponsorship for this position. OUR PROCESS * Initial screening call with a member of the TA team (30 mins) * Past experience & technical discussion with a couple of the team (90 minutes) * Culture interview (60 mins) Diversity of thought We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.

Flo Health

500M+ downloads. 80M+ monthly users. A decade of building – and we’re still accelerating. Flo is the world’s #1 health & fitness app worldwide on a mission to build a better future for female health. Backed by a $200M investment led by General Atlantic, we became the first product of our kind to reach a $1B valuation in 2024 – and we’re not slowing down. With 7M paid subscribers and the highest-rated experience in the App Store’s health category, we’ve spent 10 years earning trust at scale. Now, we’re building the next generation of digital health – AI-powered, privacy-first, clinically backed – to help our users know their body better. The job As Senior Product Manager for Predictive Growth at Flo, you'll own Flo's predicted Lifetime Value (pLTV) platform across iOS, Android, and Web. pLTV is the shared signal behind UA bidding, budget allocation, creative-testing prioritisation, finance forecasting, and roadmap decisions across the organisation — making it one of the highest-leverage PM roles in growth. You'll work with a team of data scientists, machine learning engineers, and data engineers running Flo's production pLTV models across short-horizon (intra-day) and long-horizon (M15+) predictions. You'll drive accuracy improvements, expand signal coverage across platforms, and extend pLTV's reach into new decision domains. You'll also help scale Flo's in-house agentic experimentation system — already delivering 30%+ quality gains — and contribute to the next generation of Flo's marketing measurement stack, including Marketing Mix Modeling and incrementality testing. This is a senior IC role with company-wide visibility, partnering with leadership across User Acquisition, Finance, Analytics, and Engineering. It's equally hands-on in delivery: co-leading the team day-to-day with your engineering manager pair, writing the specs, defining the epics, staying close to the work. Your Experience Must have: * Proven experience owning machine-learning or data-driven products in production — predictive scoring, propensity, ranking, forecasting, or similar data-rich products. Strong fit for current Product Managers; also open to Engineering Managers, ML Engineers, or tech leads who have shaped product direction end-to-end and are ready to make the switch into a PM seat. * Hands-on delivery instincts — equally comfortable in Jira (writing specs, defining epics, refining the sprint backlog, unblocking the team) as in strategic planning and stakeholder management. Co-leads the team day-to-day with your engineering manager pair. * Hands-on partnership with data science and machine-learning engineering teams — partnering on model evaluation, retraining cadence, feature decisions, and release discipline. * Strong analytical fluency — SQL proficiency, comfort interpreting model evaluation metrics, and the habit of interrogating performance at segment, cohort, and campaign level rather than blended aggregates. * Demonstrated ability to influence senior cross-functional stakeholders across marketing, finance, analytics, and engineering — translating technical model behaviour into commercial decisions. * Comfortable in fast-paced, ambiguous environments — balancing platform investments against fast-cycle experimentation, with shifting priorities and competing demands. Nice to have: * Working knowledge of mobile and web user acquisition — how bidding, attribution, and campaign optimisation actually work, including privacy frameworks such as SKAN/ATT or Privacy Sandbox. * Hands-on experience with mobile attribution platforms (AppsFlyer, Adjust, Branch, Firebase) and modern measurement frameworks (SKAdNetwork, GA4). * Exposure to Marketing Mix Modeling, incrementality testing, holdout design, or causal inference techniques. * Familiarity with feature stores (Databricks, Tecton, Feast) and modern MLOps tooling. * Subscription-app, health & wellness, or femtech domain background. * Exposure to agentic AI or LLM-orchestrated workflows for ML experimentation, research, or model evaluation. What you'll be doing You'll be responsible for: * Owning Flo's pLTV product roadmap end-to-end across iOS, Android, and Web — driving accuracy improvements, expanding feature coverage, extending prediction horizons, and pushing pLTV into new decision domains (creative testing, product roadmap, pricing, hypothesis validation) alongside its existing UA and Finance use cases. * Partnering with data scientists and engineers on feature strategy — deciding which inputs the model consumes and ensuring those features are available reliably in production. * Operating rigorous release discipline — gated rollouts, shadow-mode evaluation, drift detection, automated retraining, and post-launch calibration — so production models stay accurate as data distributions and platform policies evolve. * Working closely with data scientists and analysts to investigate model quality issues — country-level miscalibration, cohort drift, signal anomalies — and feeding findings back into the next iteration. * Helping scale Flo's agentic ML experimentation system from hundreds toward thousands of model runs — compounding quality gains back into production. * Acting as the primary product partner to User Acquisition leadership — translating model behaviour into bidding decisions, framing trade-offs, and aligning on attribution-window strategy. * Reporting model performance and strategic recommendations into monthly leadership reviews and quarterly investment decisions. * Contributing to Flo's next-generation measurement stack — including Marketing Mix Modeling, incrementality testing, and causal lift methodology — so marketing investment decisions are grounded in causal, not correlational, signal. #LI-Hybrid #LI-AJ1 Annual Salary Range (ranges may vary based on skills and experience) £92,000—£115,000 GBP How we work We’re a mission-led, product-driven team. We move fast, stay focused and take ownership – from brief to build to impact. Debate is encouraged. Decisions are shared. We care about craft, ship with purpose, and always raise the bar. You’ll be working with people who take their work seriously, not themselves. It takes commitment, resilience, and the drive to keep going when things get tough. Because better health outcomes are worth it.  What you'll get We support impact with meaningful reward. Here’s what that looks like: * Competitive salary and annual reviews * Opportunity to participate in Flo’s performance incentive scheme * Paid holiday, sick leave, and female health leave * Enhanced parental leave and pay for maternity, paternity, same-sex and adoptive parents * Accelerated professional growth through world-changing work and learning support * In-person collaboration and work in a hybrid model, with 3 days per week spent in the office * 5-week fully paid sabbatical at 5-year Floversary * Flo Premium for friends & family, plus more health, pension and wellbeing perks Diversity, equity and inclusion Our strength is in our differences. At Flo, hiring is based on merit, skill and what you bring to the role – nothing else. We’re proud to be an equal opportunity employer, and we welcome applicants from all backgrounds, communities and identities. Read our privacy notice for job applicants.

Abound

About Abound We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation. And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch. Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us. About the role We are hiring a Chief of Staff to act as the DS Director's right hand, with full visibility across a fast-scaling Data Science and Credit Risk organisation that builds and runs the decisioning, pricing and credit models behind every Abound product - across multiple verticals and markets. This is a high-impact role for someone early in their career who is exceptionally curious and operates with real autonomy. You won't be handed a playbook. You'll be handed context, access and a mandate - and trusted to figure out the rest. Your mission is simple: make sure that the DS and Risk team is * working on the right business priorities, and understanding the business impact * delivering at pace without introducing unnecessary bureaucracy * operating with great discipline and consistency (incl. change controls, reporting and communication) What you'll be doing Execution & follow-through * Maintain the single trusted view of all DS and Risk work across product verticals: status, owners, risks, dependencies * Chase blockers, connect people who should be talking, and make sure commitments actually land * Surface problems early and drive them to fast resolution Model & system health * Build and run the monitoring layer across our model estate: performance drift, stability, data quality, alerting * Define and run the rituals that catch problems early: model health reviews, incident follow-ups, documentation checks * Coordinate model deployments and bug fixes, and monitor the health of our services and decisioning APIs day to day * Dig into anomalies yourself first, then pull in the director or senior scientists when a judgment call is needed Operating cadence * Run the core operating rhythm of the DS organisation: planning cycles, delivery reviews, team learning forums * Manage the change control process, including * make sure senior stakeholders (e.g. DS Director, Head of Credit Risk, CRO) explicitly approve material changes to decisioning models * monitor post-change impact vs. expectation by working with the team * Prepare crisp, decision-ready material for the DS Director, the CRO and exec team Cross-team execution * Manage dependencies across DS verticals, credit risk, engineering, product and compliance * Help run prioritisation so trade-offs across products are made deliberately, not by accident Organisation * Run the DS hiring engine end to end: pipeline tracking, interview quality, and onboarding that gets new joiners productive fast * Help scale the team's knowledge sharing, documentation and ways of working * Support the performance management process DS Director leverage * Reduce the Director's overhead on coordination, tracking and follow-up * Create space for focus on credit strategy, model innovation and the team * Be a thought partner on whatever matters most that month Who you are * 2-4 years in a quantitative, analytical or operational role - data science, analytics, management consulting, fintech, or similar * Ideally, someone who managed projects end-to-end, e.g. an engagement manager in a consulting firm * Genuinely curious about how lending and credit models work: you don't need to have built one, but you'll want to understand ours, and you're comfortable enough in SQL/Python to look at the data yourself * Demonstrably autonomous: you can point to things you started, built or fixed without being asked * Ruthlessly organised and a clear writer: you turn chaos into structure and never drop a thread * Low ego, high ownership: equally happy presenting to the exec team and fixing an interview scheduling mix-up You are curious but structured, ambitious but humble. You earn authority by being consistently right and useful, not by title. What we offer * Everyone owns a piece of the company - equity * Hybrid with 3 days a week in the office * 25 days' holiday a year, plus 8 bank holidays * 2 paid volunteering days per year * One month paid sabbatical after 4 years * Employee loan * Free gym membership * Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering