Senior Data Scientist

2 weeks ago

Budapest, Budapest, Czech Republic Marshmallow Full time

Who you are

  • You are naturally curious about fraud and interested in how it evolves in the real world.
  • You care deeply about business impact and think commercially when deciding how to apply your skills.
  • You are pragmatic about delivery and understand when good enough is better than perfect.
  • You are a strong communicator and collaborator across both technical and non-technical teams.

Experiences that are essential

  • Background in fintech, insurance, or similar industries with exposure to fraud or credit risk.
  • Experience building and deploying ML models that deliver measurable business results.
  • Experience working with unstructured data (documents, images).
  • Understanding of how to evaluate performance within risk decisioning, including performance trade-offs and operational considerations.
  • Proficiency in Python and SQL and confidence working with large datasets.
  • At least 3 to 4 years of professional experience in data science or similar roles.

Experiences that will help you

  • Experience working on car insurance fraud or understanding of fraud risks in insurance pricing and onboarding.
  • Knowledge of industry tools such as Onfido, SIRA, IFB data, or graph-based fraud detection platforms.
  • Experience deploying fraud solutions into customer-facing products or automated decision systems.
  • Awareness of how to balance fraud prevention with customer experience and operational efficiency.
  • Familiarity with document and identity verification processes.
  • Experience designing, building and deploying Generative AI applications or Retrieval-Augmented Generation (RAG) systems in production environments.

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.

The Fraud Team

We are here to use data and AI to protect Marshmallow from application fraud, making sure that the people and risks we insure are genuine and fairly priced. Our work is critical to achieving a healthy loss ratio, unlocking growth, and building trust with under-served customer segments.

Our focus is on policy fraud at the point of sale. That includes detecting misrepresentation, organised fraud such as ghost broking, and verifying customer information efficiently and at scale. We build models and tools that help Marshmallow validate customer information, automate document reviews, and direct investigative effort to where it has the biggest impact. The goal is to reduce operational workload while improving decision quality.

You will join a cross-functional team spanning fraud operations, product, and engineering, with full ownership of your initiatives. You will help shape the next generation of fraud defences powered by intelligent workflows, structured and unstructured data, and a strong focus on experimentation and results. Success in this role requires deep technical skill, curiosity about fraud behaviours, and the ability to turn insight into action.

Perks of the job

  • Flexi-office working – Spend at least 2 days a week with your team in our Budapest office. The rest is up to you Plus you have 4 weeks of Work From Anywhere to use, with no need to come to the office.
  • Competitive bonus scheme - designed to reward and recognise high performance
  • 4-week fully paid sabbatical after being with us for 4 years
  • Learning and development – Personal budgets for books and training courses to help you grow in your role. Plus 2 days a year - on us - to further your skillset
  • Mental wellbeing support – Access therapy and mental health sessions through Oliva
  • SZÉP card - Budget to spend on meals, leisure, and accommodation
  • Medicover Blue Package - An exclusive pass to top-notch healthcare services
  • All You Can Move membership OR Monthly BKK pass - Unleashing your inner fitness guru or having a hassle-free commute - we've got you covered
  • Company-wide Marshmallow Engineering Hackathon twice a year

Plus a monthly team social budget, bi-weekly office lunches, and office tea, coffee, and snacks

,[Building and deploying models to detect application fraud and misrepresentation, particularly at quote and policy inception., Using structured and unstructured data including documents and images to automate fraud checks and reviews., Partnering with product and ops to embed risk-based decisioning and triage into our fraud platform., Improving how we prioritise fraud reviews through smarter routing / decisioning logic that balances loss ratio impact with operational cost and customer experience., Evaluating the impact of interventions through A/B tests and automated decision tooling., Feeding fraud intelligence into model development, working closely with our in-house investigations and analytics teams., Contributing to the evolution of our fraud infrastructure and helping to shape its use across multiple Marshmallow products.] Requirements: Data, ML, Unstructured data, Python, SQL, Onfido, SIRA, IFB data, Graph-based fraud detection platforms, Generative AI applications, RAG Tools: Agile, Kanban. Additionally: Competitive bonus scheme, SZÉP card, Medicover Blue Package, Home office, Mental wellbeing support, Training budget, Flat structure, Small teams, International projects, Free coffee, Bike parking, Playroom, Shower, Free snacks, Free beverages, In-house trainings, In-house hack days, Modern office, Startup atmosphere, Free breakfast, No dress code.

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