Senior Decision Scientist

Lovey; Birmingham; On-site; GBP 72,000 - 88,000; Full time

Job summary

Lovey, a fast-growing UK fintech, is seeking a Senior Decision Scientist to lead credit decisioning models for SME lending. You will own the end-to-end lifecycle from problem framing to deployment and monitoring, partnering with data, risk, and product teams to shape lending strategy.

The role focuses on building ML models for credit risk, affordability, and pricing while exploring new data sources and rules-based governance. Central Birmingham office-based.

Qualifications

• Experience building lending ML models (SME focused).
• Proven end-to-end model development experience.
• Strong communication with technical and business stakeholders.

Responsibilities

• Build and deploy ML and statistical models for credit risk, affordability, and pricing.
• Own the full model lifecycle (data, features, modelling, validation, deployment, monitoring).
• Develop monitoring frameworks and performance dashboards.
• Drive innovation through new data sources, challenger models, and experimentation (A/B testing).
• Translate complex models into clear, actionable business insights.

Skills

ML in lending

Python

SQL

End-to-end modeling

Fintech

Credit risk

Stakeholder comms

Job description

Role: Senior Decision Scientist (Lending)

Location: Central Birmingham - Office Based

Salary: Up to £80,000 - Depending on experience

About Lovey

Lovey is a fast-growing fintech helping UK businesses access the funding they need to grow. Since 2016, we’ve supported thousands of companies through smarter, faster, and more transparent lending.

We’re proud to be a Top 15 fastest-growing finance company, a Great Place to Work, and to hold a 4.9 Trustpilot rating, driven by our focus on innovation, trust, and real customer impact.

The Role

We’re looking for a Senior Decision Scientist to lead the development of cutting-edge credit decisioning models across SME lending.

You’ll own the end-to-end model lifecycle, from problem framing through to deployment and monitoring, while working at the intersection of data, risk, and product to shape the future of our lending strategy.

What You’ll Do as Senior Decision Scientist

• Build and deploy ML and statistical models for credit risk, affordability, and pricing


• Own the full model lifecycle (data, features, modelling, validation, deployment, monitoring)


• Develop monitoring frameworks and performance dashboards


• Drive innovation through new data sources, challenger models, and experimentation (A/B testing)


• Translate complex models into clear, actionable business insights

Requirements:

• Strong experience in machine learning within lending (SME essential)


• Proficiency in Python & SQL


• Proven end-to-end model development experience


• Background in fintech and automated decisioning environments


• Solid understanding of UK credit risk & regulation


• Ability to communicate effectively with both technical and business stakeholders

• Consumer lending experience


• Experience with model governance & monitoring frameworks


• Strong commercial mindset and ownership attitude

Why Join Lovey?

• Be part of a high-growth fintech shaping the future of SME lending


• Work on high-impact models used in real underwriting decisions


• Collaborate with a talented, cross-functional team


• Join a company that truly values innovation, trust, and people