Senior Decision Scientist

Role:
Senior Decision Scientist (Lending)

Location:
Central Birmingham - Office Based

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

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.

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.

• 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

• 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

• 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

Please note:

All applications will be reviewed week commencing 20th July.