Senior Decision Scientist: SME Lending & Credit Modeling (Hybrid UK)

Lovey; Birmingham; Hybrid; GBP 81,000 - 99,000; Full time

Job summary

Lovey seeks a Senior Decision Scientist in London, UK, to lead development of cutting-edge credit decisioning models for SME lending. You will own the end-to-end model lifecycle, from problem framing to deployment and monitoring, collaborating with data and risk teams.

The role offers remote work most weeks with 2 days in the Central Birmingham office, combining flexibility with in-person collaboration.

Qualifications

• Strong experience in machine learning within lending (SME lending essential).
• Background in fintech and automated decisioning environments.
• Solid understanding of UK credit risk and regulation.
• Experience with model governance and monitoring frameworks.
• Ability to communicate effectively with both technical and business stakeholders.
• Strong commercial mindset and ownership attitude.

Responsibilities

• Build and deploy ML and statistical models for credit risk, affordability, and pricing.
• Own the full model lifecycle, from data and feature engineering to deployment and 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.
• Work closely with Data and Risk teams to influence lending strategy and decision-making.

Tools

Python

SQL

Job description

Lovey seeks a Senior Decision Scientist in London, UK, to lead development of cutting-edge credit decisioning models for SME lending. You will own the end-to-end model lifecycle, from problem framing to deployment and monitoring, collaborating with data and risk teams.

The role offers remote work most weeks with 2 days in the Central Birmingham office, combining flexibility with in-person collaboration.