In Photos, the filename has little use and, in fact, it is no longer the actual name of the file. The filename has been changed to a unique identifier so that all the IMG_0123 filenames from different cameras don't get mixed up. So there's no changing of filenames within Photos.
The first two suggestions work only for files that have been exported from Photos, as you asked for.
Old Toad's suggested scripts work within Photos, but they don't change the filename--they change the Title. You can then export the picture with the menu "File>Export>Export nn Photos" and use the Title for the filename.

In fact, with Export, you get other choices, as well:

I do what Old Toad suggests, but I use the 3rd party app Photos Workbench($30) that lets me add the date and be more descriptive in the title:

The titles show with the thumbnails in Photos, so it seems much more useful to work with titles rather than with filenames.