**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 **Please note:** All applications will be reviewed week commencing 20th July.