Operations Lead managing day-to-day operations for the car finance product at Marshmallow. Overseeing underwriting and collections workflows, while enhancing automation and AI integration.
Responsibilities
Own the day-to-day operations of our car finance product, from customer queries to dealer and broker interactions, ensuring a smooth, reliable experience for all stakeholders.
Lead our underwriting and collections workflows, applying clear credit rules and judgement to help us write high‑quality business and manage risk effectively.
Directly build automation and AI into our operational workflows, using best in class AI tools, and working alongside our dedicated engineering and product team.
Build strong, responsive relationships with introducers (dealers and brokers), becoming their go-to contact and keeping applications moving quickly and transparently.
Proactively identify operational pain points and inefficiencies, feeding these into our product, engineering and credit teams to design better processes and tools.
Take full ownership for outcomes in your area, flexing to support weekend or out‑of‑hours needs when required and working closely with a small, high‑performing team to get things done.
Requirements
Experience in an operational or customer-facing role, ideally within a fintech, financial services, or other regulated environment.
Strong analytical skills and comfort working with data to make decisions (e.g. reviewing bank statements, credit reports, assessing customer risk etc).
Demonstrated experience using technology to improve processes (e.g. no-code tools, scripting, or automation/AI tools), or a strong desire and aptitude to learn.
Clear, confident communicator who can manage relationships with external partners (such as brokers or dealers) and handle sensitive customer conversations.
Benefits
Flexible working: Spend three days a week with your team in our collaborative London office, and own your own working hours. The rest is up to you 🏠
Competitive bonus scheme - designed to reward and recognise high performance 🌟
Flexible benefits budget - £50 per month to spend on a Ben Mastercard meaning you get your own benefits budget to spend on things you want. Whether that’s subscriptions, night classes (puppy yoga, anyone?), the big shop or a forest of houseplants. Pretty much anything goes 💰
Mental wellbeing support – Access therapy and mental health sessions through Oliva 💚
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 🤓
Private health care - Enjoy all the benefits Vitality has to offer, including reduced gym memberships and discounts on smartwatches 🏥
Medical cash plan - To help you with the costs of dental, optical and physio (plus more!)
Tech scheme - Get the latest tech for less 🖥
Plus all the rest; 33 days holiday (including bank holidays), pension, cycle to work scheme, monthly team socials and company-wide socials every month!
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