At Lowell, we take a practical, outcomes-focused approach to AI. We demonstrate clear proof of delivery by deploying AI responsibly. Every trial has a clear path to live production environments and measuring the real business outcomes it delivers.
Our AI initiatives are carefully prioritised, delivered and scaled to ensure they create measurable value, supporting better decisions, stronger services and a positive, sustainable impact across our business.
We’re using AI to drive smarter, quicker and more personalised customer interactions, enhancing customer experiences and streamlining operations.
Our Decision Science capability continuously applies advanced machine learning in a disciplined and responsible way. By evolving our models and methods, we consistently strengthen predictive performance and deliver tangible business value.
Meet Lowell's AI experts
-
Mark Hayward
Head of AI
Mark Hayward
Head of AI
Mark leads Lowell’s AI vision and strategy, driving how we embed AI across our business to deliver better outcomes for customers and stronger performance for clients and investors.
With over 20 years’ experience in data science and analytics, he has a proven track record of delivering large-scale, innovative solutions—from predictive modelling and decision engines to advanced data integration and AI.
Today, Mark is focused on scaling practical, high-impact AI that transforms how we operate across frontline, customer journeys and internal functions.
-
Naynesh Patel
UK Customer Insights and Strategy Director
Naynesh Patel
UK Customer Insights and Strategy Director
Naynesh ensures every customer is placed in the right strategy through the intelligent use of data, behavioural insights and AI.
He plays a key role in evolving Lowell from traditional modelling approaches to more dynamic, technology-driven decisioning that improves customer outcomes and core business performance.
With over 25 years’ experience in data science, analytics and credit risk, Naynesh brings deep expertise in building and applying models across collections and lending, helping translate insight into meaningful action at scale.
-
Lakhwinder Singh
Head of Decision Science
Lakhwinder Singh
Head of Decision Science
Lakhwinder leads the development of advanced analytics and AI-driven machine learning solutions that power Lowell’s customer and commercial strategies.
His work focuses on building predictive, data-led frameworks that enhance portfolio performance, optimise decisioning and unlock new value. With nearly 20 years in credit risk and data science, Lak has a strong track record of delivering high-performing models within robust frameworks.
He combines technical expertise with commercial focus to ensure AI and analytics deliver measurable impact, supporting sustainable growth and long-term investor confidence.