On each age group sheet, select cells $B$3:$Z$43 and create named ranges corresponding to the sheet, e.g.: _20_39 & _40_49 (notice the underscores).
Since the list/mem score ranges both begin with zero, the INDEX formula can be simplified to
=INDEX('20-39'!B3:Z43,Raw Score+1,Mem Score+1)
To access the different age group sheets, use a data validation dropdown with the sheet names as the source.
Modify the INDEX formula to:
On the sample sheet, F2 holds the sheet name, G2 the List Score and H2 the mem score.
20-39 --> INDIRECT("_"&SUBSTITUTE(F2,"-","_")) --> _20_39, i.e., the named range per sheet passed to INDEX.
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