Senior Decision Scientist: SME Lending (Hybrid UK)

Lovey; Greater London; Hybrid; GBP 75,000 - 105,000; Full time

Job summary

Lovey is seeking a Senior Decision Scientist to lead the development of credit decisioning models across SME lending. You will own the end-to-end model lifecycle from framing to deployment and monitoring. The role is hybrid, with 2 days per week in our Central Birmingham office and the rest remote.

You will work with Data and Risk teams to drive lending strategy and decisioning. Strong ML experience in lending, Python and SQL proficiency, and a track record of end-to-end model development are

Qualifications

• Experience in machine learning for credit risk in SME lending.
• Strong consumer lending experience.
• Proficiency in Python and SQL.
• End-to-end model development experience.
• 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 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, including data, feature engineering, modelling, validation, 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.

Job description

Lovey is seeking a Senior Decision Scientist to lead the development of credit decisioning models across SME lending. You will own the end-to-end model lifecycle from framing to deployment and monitoring. The role is hybrid, with 2 days per week in our Central Birmingham office and the rest remote.

You will work with Data and Risk teams to drive lending strategy and decisioning. Strong ML experience in lending, Python and SQL proficiency, and a track record of end-to-end model development are