Remote Associate Director, Small Business Credit Strategy

UnitedHealth-Grou; Draper (UT); Remoto; USD 113.000 - 193.000; Tempo pieno

Descrizione del lavoro

UnitedHealth Group is seeking an Associate Director, Credit Strategy & Analytics for its Small Business Line of Credit and Card, offering remote work from anywhere in the United States. This role leads credit strategy development, policy governance, and portfolio management to drive growth, profitability, and risk management across the customer lifecycle.

You will oversee a team of credit strategy professionals, collaborate with Product, Finance, Risk, Compliance, and Technology, and present

Competenze

• 8+ years of experience in credit strategy, credit risk, underwriting analytics, account management, portfolio management, or related discipline.
• 3+ years of leadership experience managing analytical or credit strategy teams.
• Experience developing and managing credit strategies for revolving credit products, small business lending, consumer lending, commercial lending, or card portfolios.
• Demonstrated understanding of underwriting, exposure management, portfolio management, risk segmentation, and credit policy development.

Mansioni

• Lead development and execution of credit strategies for Small Business Line of Credit and Card products, balancing growth, profitability, customer experience, and risk objectives.
• Establish and maintain credit policies, underwriting frameworks, account management strategies, exposure management practices, and portfolio monitoring standards.
• Provide strategic oversight of origination and account management functions, ensuring alignment across the customer lifecycle.
• Manage and develop a team of credit strategy professionals responsible for underwriting, portfolio management, authorization, and account management strategies.
• Monitor portfolio performance, risk trends, utilization, delinquency, losses, profitability, and customer behavior to identify opportunities and emerging risks.
• Lead strategy design, testing, implementation, and optimization efforts, including segmentation, champion/challenger initiatives, and policy enhancements.
• Partner with Product, Finance, Compliance, Risk, Operations, and Technology teams to support product development, business initiatives, and operational execution.
• Present portfolio performance, strategic recommendations, emerging risks, and business opportunities to executive leadership, governance committees, and other senior stakeholders.
• Lead credit governance activities, policy approvals, Credit Committee materials, audits, examinations, regulatory interactions, and issue remediation efforts.
• Establish a scalable credit risk management framework to support future growth and expansion of Optum Bank's small business lending platform.

Conoscenze

Credit strategy

Credit risk

Underwriting analytics

Portfolio management

SQL

Automation/AI

Executive presentation

Strumenti

Python

SAS

R

Descrizione del lavoro

UnitedHealth Group is seeking an Associate Director, Credit Strategy & Analytics for its Small Business Line of Credit and Card, offering remote work from anywhere in the United States. This role leads credit strategy development, policy governance, and portfolio management to drive growth, profitability, and risk management across the customer lifecycle.

You will oversee a team of credit strategy professionals, collaborate with Product, Finance, Risk, Compliance, and Technology, and present