Senior Credit Decision Scientist — Model Validation

YouLend Limited; Greater London; On-site; GBP 110,000 - 160,000; Full time

Benefits offered by this job

Private medical insurance

EAP program

Enhanced maternity/paternity leave

Central London office

Subsidised lunch

Deliveroo allowance

In-office masseuse

Team socials

Sports clubs

Job summary

YouLend Limited in London seeks a Senior Decision Scientist to strengthen credit decisioning across markets and products. You will develop model-driven decisioning tools and lead validation, calibration, and monitoring of credit risk models and decision strategies, translating complex findings into actionable recommendations for senior stakeholders.

This role collaborates with Data Science, Credit Risk, and Engineering teams to ensure models are robust, compliant, and integrated into scalable

Qualifications

• Strong track record in decision science, data science and credit risk analytics.
• Advanced SQL skills for data extraction, validation and analysis.
• Advanced Python skills for statistical analysis and tooling.
• Solid understanding of the model lifecycle: development, evaluation, calibration and monitoring.
• Ability to explain technical findings to non-technical stakeholders.

Responsibilities

• Develop reusable analytical tools, simulations and frameworks for credit policy and risk segments.
• Lead end-to-end validation of credit risk and decisioning models, including material changes.
• Evaluate model data definitions, methodology and feature logic for suitability.
• Assess performance, calibration and robustness across markets and time periods.
• Design calibration and risk-segmentation frameworks translating outputs into risk bands and decisions.
• Conduct scenario and sensitivity analyses to understand impact on approvals and portfolio.
• Define requirements and controls for model changes from data to production.

Skills

Decision science

Data science

Credit risk analytics

Model validation

SQL

Python

Model lifecycle

Out-of-time testing

Stability analysis

Communication

Tools

SQL

Python

Job description

YouLend Limited in London seeks a Senior Decision Scientist to strengthen credit decisioning across markets and products. You will develop model-driven decisioning tools and lead validation, calibration, and monitoring of credit risk models and decision strategies, translating complex findings into actionable recommendations for senior stakeholders.

This role collaborates with Data Science, Credit Risk, and Engineering teams to ensure models are robust, compliant, and integrated into scalable