Operations Associate

marshmallow; Greater London; On-site; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Bonus scheme designed to reward high绩

Private medical insurance with Vitalit

Personal learning budget

2 dedicated L&D days a year

Monthly flexible benefits budget

25 days holiday plus bank holidays

4 weeks Work From Anywhere per year

Job summary

Marshmallow is building a new Car Finance product in London, aiming to provide fair, accessible lending to migrants and newcomers to the UK. You will work in a small, high-performing team, owning automation and AI-driven processes from customer queries through underwriting.

We prize autonomy, ownership, and rapid, data-driven improvements. The role blends customer interaction with hands-on automation and collaboration with engineering and product teams.

Qualifications

• Experience in a fast-paced fintech environment is highly valued.
• Strong analytical skills with data-driven decision making.
• Experience using AI tools to drive product/process improvements.

Responsibilities

• Execute day-to-day car finance operations including queries and underwriting.
• Identify and implement improvements to speed, reliability, and cost-efficiency of processes.
• Build automation and AI into operational workflows with the engineering/product teams.

Skills

AI tools

Data analysis

Regulated fintech

Automation

Tools

Linear

Google Suite

Notion

Intercom

Claude

Job description

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, 3 days in office)

Car Finance at Marshmallow

Marshmallow is opening up access to credit to migrants, bringing a brand new product to market which provides newcomers to the UK with fairly priced car finance for the first time.

Our Car Finance team is building a new kind of lending experience from the ground up, making it simple, transparent and accessible for people who need finance to get on the road. We work closely with dealers, brokers and customers to make sure that every application, decision and interaction is fast, fair and easy to understand.

Because we’re a small, high-performing team, everyone has real ownership. We combine hands-on operations - from customer queries and collections to underwriting - with a strong focus on automation and technology. We’re designing highly automated, AI-powered processes that let us move faster and smarter than traditional lenders.

Car Finance is one of the most important growth areas for Marshmallow, and we’re looking for someone who’s excited to be at the heart of it: working directly with customers and partners today, while helping to build a world-class, highly automated operational engine for the future.

What you'll be doing

• Execute the day-to-day operations of our car finance product, from handling customer queries to underwriting, ensuring a smooth, reliable experience for all stakeholders.

• Develop, identify and form improvements that increase speed, reliability, and cost-efficiency while protecting service standards of our processes.

• Directly build automation and AI into our operational workflows, using best in class AI tools, and working alongside our dedicated engineering and product team.

Who You Are

• You’re excited by startups and technology, motivated by the chance to build highly automated, AI-enabled operations rather than just follow existing processes.

• You’re deeply interested in AI and fluent using it. Comfort with automation and AI tools (Claude Cowork/Code) is a strong plus.

• You enjoy high agency and can operate in ambiguity.

• You’re organised and detailed.

• You care about customers.

What You'll Bring

Must have:

• Experience in a fast‑paced and regulated environment (fintechs, startups, consulting etc…)

• Strong analytical skills and comfort working with data to make decisions

• Experience using AI tools, using it to drive developments and form improvements

Nice to have:

• You already know some of the stack: Linear, Google Suite, Notion, Intercom, Claude

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 not able to offer visa sponsorship for this position.

Our process

• Initial call with a member from our Talent Team (30 mins)

• Past Experience interview with Hiring Manager (60 mins)

• Onsite interview consisting of:

  • Case study interview with a couple of the team (60 mins)

  • 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.