Credit Hire Handler

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. ABOUT THE TEAM The Settlement team manages third party damage and credit hire claims and plays a key role in delivering fair, efficient and commercially sound outcomes. We work closely with policyholders, witnesses, third party insurers and wider claims teams to resolve cases quickly and make sharper decisions for customers. Day to day, the team investigates claims, assesses liability and indemnity, and keeps cases moving with clear communication and strong judgement. It’s a team built for people who want more autonomy, more pace and more opportunity to improve how claims work. WHAT YOU'LL BE DOING - Manage a portfolio of Third Party Property Damage (TPPD) and Credit Hire claims, progressing them efficiently in line with our processes. - Triage and manage inbound communications effectively, routing work to support timely claim resolution. - Investigate claims and assess liability and indemnity with policyholders, witnesses and third parties to identify recovery opportunities and make sound decisions. - Keep policyholders informed with clear, empathetic communication throughout their claim journey. - Set and maintain claim reserves and process payments in line with our reserving approach. - Detailed notes left on the claims system, explaining action, trail of through and next steps. - Accurate reserve setting on files to reflected expected payouts. - Housekeeping to ensure accuracy on our claims system. - Professional communication either with the customer or the third party representatives. We offer a flexible hybrid work model, with the team coming together at our London office once every two weeks. YOUR EXPERTISE - Hands-on experience managing Credit Hire and Third Party Property Damage (TPPD) claims, including challenging hire periods, rates, and credit hire agreements. - Confidence in negotiating settlements over the phone and email. - Solid grasp of relevant case law and when to apply it, and confidence discussing liability and indemnity decisions. - Comfortable setting and maintaining reserves and processing payments within agreed authority levels, with a track record of sound, independent decision-making. - Used to managing a varied caseload at pace, prioritising effectively and keeping claimants and third parties informed throughout. WHO YOU ARE - You balance commercial judgement with a customer-focused approach. - You make decisions confidently and know when to escalate for another view. - You stay organised and prioritise well when managing multiple cases at pace. - You look for better ways of working and support wider team goals, not just your own caseload. PERKS & BENEFITS - 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 OUR PROCESS 1. Initial call with a member of our Talent Acquisition team. 2. Interview with two members of the Claims team. We review every application and will always let you know the outcome, though we're unable to provide individual feedback at application stage. #LI-PT1 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.