{"id":2693068,"url":"https://alion.io/job/youlend-senior-decision-scientist","title":"Senior Decision Scientist","company":{"id":172539,"name":"YouLend","domain":"youlend.com","url":"https://alion.io/company/youlend","size_band":"201-500","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Pinpoint","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["London, United Kingdom"],"countries":["GB"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":63000,"max_usd":126000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":109},"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":true,"technologies":[{"name":"Python","optional":false},{"name":"SQL","optional":false},{"name":"Outlook","optional":true}],"status":"live","first_seen_at":"2026-10-15T09:33:18Z","employer_posted_date":"2026-10-21","last_verified_at":"2026-10-27T13:11:47Z","board_verified":true,"closed_at":null,"days_open":12,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":12},"description":"We are looking for a Senior Decision Scientist to strengthen our credit decisioning and model-oversight capability across markets and products. The successful candidate will develop model-informed decisioning tools and analytical solutions and lead the independent validation, calibration, implementation assurance and ongoing monitoring of credit risk models and decision strategies. Working closely with Data Science, which leads the development and retraining of core predictive models, the Senior Decision Scientist will ensure that models are robust, appropriate for their intended use and translated into stable, controlled credit decisions. This is a senior individual-contributor role requiring strong quantitative judgement, hands-on analytical expertise and the ability to translate complex findings into clear recommendations for senior and C-suite stakeholders.\nKey Responsibilities\n\nDevelop reusable analytical tools, simulations and frameworks to support credit policy, eligibility, affordability, risk appetite, decision thresholds and segmentation.\nLead the independent end-to-end validation of new and existing credit risk and decisioning models, including material model changes.\nEvaluate model data, target definitions, methodology, feature logic, assumptions, limitations and suitability for intended use.\nAssess model performance, calibration, stability and robustness across markets, customer segments and time periods.\nDesign and maintain calibration, probability-mapping and risk-segmentation frameworks that translate model outputs into coherent risk bands and decision strategies.\nConduct scenario and sensitivity analysis to understand the impact of proposed changes on approval rates, risk, exposure and expected portfolio performance.\nDefine requirements, acceptance criteria and controls for model and decisioning changes, validating the process from source data through to production decisions.\nReconcile analytical results with production outputs and conduct post-implementation reviews to identify unintended impacts or implementation issues.\nDevelop and maintain monitoring frameworks covering model performance, calibration, data quality, applicant profiles, decision outcomes and portfolio performance.\nDiagnose performance deterioration or unexpected behaviour, distinguishing between model, data, implementation and portfolio drivers.\nPartner with Credit Risk, Pricing, Data Science, Data, Engineering, Finance and Commercial teams to implement improvements safely and effectively.\nPresent findings, effective challenge and recommendations clearly to technical, non-technical and C-suite stakeholders.\nSkills, Knowledge & Expertise\nEssential:\nStrong experience in decision science, data science, credit risk analytics, model validation or a related quantitative role.\nStrong knowledge of statistics and data science, with sufficient modelling expertise to reproduce, evaluate and independently challenge predictive models.\nAdvanced SQL skills for data extraction, validation, reconciliation and performance analysis.\nAdvanced Python skills for statistical analysis, simulation, model validation, monitoring and the development of analytical tools.\nStrong understanding of the model lifecycle, including development methodology, evaluation, validation, calibration, implementation and ongoing monitoring.\nExperience evaluating model performance using appropriate techniques, including out-of-sample and out-of-time testing, stability analysis, benchmarking and sensitivity testing.\nStrong quantitative and deductive reasoning, with the ability to investigate complex issues independently and identify practical solutions.\nClear written and verbal communication, including the ability to explain technical findings and recommendations to non-technical and senior stakeholders.\nAbility to manage competing priorities and deliver high-quality work in a fast-paced environment.\nDesirable:\nExperience in SME lending, commercial credit or embedded finance.\nExperience independently validating or developing credit risk or decisioning models.\nExperience implementing, testing or monitoring models in a production decisioning environment.\nExperience developing credit-strategy tools, simulations, calibration frameworks or monitoring solutions.\nFamiliarity with model-governance or formal model-approval processes.\nExperience working across multiple international markets or portfolios.\nExperience using transactional, open-banking or other alternative data in credit-risk analysis.\nJob Benefits\nWhy join YouLend?\nAward-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work in 2024, 2025 and 2026” by the Sunday Times for being a supportive, diverse, and rewarding workplace. \nAward-Winning Fintech: YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC. \n\nIt's just getting fun\nWe have developed powerful solutions, secured significant partnerships, and are growing rapidly. \nThe global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started. \n\n Lots of upsides\nHigh-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with the business). \nWell-capitalised with supportive private equity backing. \nPart of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets. \n\n Motivating work environment\n A high-quality team that pushes each other to succeed through direct feedback and aligned incentives. \nStrong, transparent team culture: we have each other’s backs. \nIndependent work environment where results matter. \nData-driven culture and emphasis on speed (anti-red tape). \n\n We offer a comprehensive benefits package that includes:\nPrivate Medical Insurance (via Vitality)\nEAP with Health Assured\nEnhanced Maternity and Paternity Leave\nGreat office space (including a gym!) in Central London\nSubsidised lunch (via Feedr)\nDeliveroo allowance if working late in the office\nMonthly in-office masseuse\nTeam and Company socials\nSports clubs\n\nAt YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.","description_format":"text","description_chars":6519,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"phd","optional":false},"security_clearance":false,"languages":[]},"benefits":["Equity","Health insurance"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Commerce","Financial Services","Business & SME Lending"],"lifecycle":[{"event":"open","at":"2026-10-16T09:33:18Z"}],"visa":[],"liveness":{"score":78,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.863,"p_room":0.9,"age_days":11,"expected_fill_days":17,"reasons":["conf:1","velocity","win:mid"],"computed_at":"2026-10-27T05:46:45Z"},"pay":null,"html_url":"https://alion.io/job/youlend-senior-decision-scientist","json_url":"https://alion.io/job/youlend-senior-decision-scientist.json","meta":{"generated_at":"2026-10-27T15:44:22Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":4729,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-28T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":172539},"rest":"https://alion.io/mcp/rest/get_company?id=172539"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fyoulend-senior-decision-scientist"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fyoulend-senior-decision-scientist"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fyoulend-senior-decision-scientist"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/youlend-senior-decision-scientist\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fyoulend-senior-decision-scientist"}]}