Senior Decision Scientist (Lending)

Senior Decision Scientist (Lending) Location: UK | Hybrid - 2 days per week in our Central Birmingham office Salary: Up to £90,000 + Annual Bonus About Lovey Join One of the UK's Fastest-Growing Finance Companies Lovey (formerly Love Finance) is a fast-growing UK SME lender and broker, founded in 2016 by Jack Smith with a simple goal: to make business lending simple and fast. Since then, we've funded more than £500 million in loans for over 10,000 SMEs across the UK. We've been recognised by organisations including EY, Deloitte, The Sunday Times, Financial Times, UK Growth Index, FeBe and Sifted as one of the UK's fastest-growing companies. By combining direct lending with brokerage services, Lovey provides businesses with fast, flexible and tailored funding solutions. With an industry-leading 5-star Trustpilot rating, customers can enquire in 60 seconds and, where appropriate, receive funding in as little as 4 hours. Requirements 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 and risk, to shape the future of our lending strategy. The role offers the flexibility to work remotely for most of the week, with 2 days per week in our Central Birmingham office, working closely with our Data and risk teams. While we’re open to candidates across the UK, we’re looking for someone who values both the flexibility of remote working and the collaboration that comes from spending time together in the office. What You’ll Do as Senior Decision Scientist Build and deploy ML and statistical models for credit risk, affordability, and pricingOwn the full model lifecycle, including data, feature engineering, modelling, validation, deployment and monitoringDevelop monitoring frameworks and performance dashboardsDrive innovation through new data sources, challenger models and experimentation (A/B testing)Translate complex models into clear, actionable business insightsWork closely with Data and Risk teams to influence lending strategy and decision-makingRequirements Strong experience in machine learning within lending (SME lending essential)Strong consumer lending experienceProficiency in Python and SQLProven end-to-end model development experienceBackground in fintech and automated decisioning environmentsSolid understanding of UK credit risk and regulationExperience with model governance and monitoring frameworksAbility to communicate effectively with both technical and business stakeholdersStrong commercial mindset and ownership attitudeBenefits Why Join Lovey? Be part of a high-growth fintech shaping the future of SME lendingWork on high-impact models used in real underwriting decisionsHave a direct influence on our lending strategy and decisioning approachCollaborate with a talented, cross-functional Data and Risk teamJoin a company that truly values innovation, trust and people