Remote Principal Data Scientist – Credit Risk & AI

UnitedHealth Group; Salt Lake City (UT); À distance; USD 113 000 - 193 000; Plein temps

Avantages offerts par ce poste

Equity stock purchase

401k contribution

Comprehensive benefits

Résumé du poste

UnitedHealth Group is seeking a data science professional to build predictive credit models and support risk management for lending products. You will create features from diverse data sources and drive models from prototype to production with a strong focus on fairness and compliance.

You will partner with Risk, Product, Compliance and Finance teams to translate model outputs into actionable strategies, while monitoring performance in a dynamic, regulatory-aware environment.

Qualifications

• Master’s degree in a quantitative discipline (Statistics, Mathematics, Data Science, Economics, Computer Science, etc.)
• 5+ years experience with Python or R and SQL; familiarity with cloud environments like AWS, GCP, or Snowflake
• 5+ years of experience with lending lifecycle and credit risk KPIs (e.g., delinquency, charge-offs, ROI)
• 4+ years of experience in credit risk modeling, ideally for commercial line of credit products
• 4+ years of experience with traditional statistics techniques and modern machine learning

Responsabilités

• Build predictive models for application & behavioral scoring, PD, LGD, and early risk detection for credit products
• Create advanced features using alternative data sources and enrich datasets
• Take models from prototype to production in collaboration with Data Engineering & Product teams
• Own model monitoring, validation, reporting and back testing and recalibrate for macro shifts
• Collaborate with Risk, Product, Compliance and Finance to integrate model outputs and communicate insights

Connaissances

Python

R

SQL

Lending risk knowledge

Statistics & ML

Formation

Master's degree in a quantitative field

Outils

AWS

GCP

Snowflake

Description du poste

UnitedHealth Group is seeking a data science professional to build predictive credit models and support risk management for lending products. You will create features from diverse data sources and drive models from prototype to production with a strong focus on fairness and compliance.

You will partner with Risk, Product, Compliance and Finance teams to translate model outputs into actionable strategies, while monitoring performance in a dynamic, regulatory-aware environment.