Remote Senior Credit Strategy and Analytics for SMB Lines

UnitedHealth Group; Draper (UT); Remote; USD 92,000 - 164,000; Full time

Job summary

UnitedHealth Group's Optum Bank is seeking a Sr. Analyst, Credit Strategy & Analytics to shape credit strategies for Small Business Line of Credit and card products. This hands-on role focuses on origination and account management strategies, translating data into scalable decisioning frameworks.

You will partner with Credit, Product, Risk, Finance, Compliance, Operations, and Technology to implement actions that balance growth, risk, and customer experience. Remote work is supported nationwide.

Qualifications

• 5+ years in credit strategy, credit risk, underwriting analytics, or related disciplines.
• Experience with small business, consumer, commercial, card, or other revolving credit products.
• Working knowledge of automated underwriting, decisioning, or account management frameworks.
• Demonstrated analytical skills using SQL.
• Experience developing and interpreting credit policy and risk strategies.
• Ability to translate analytical findings into clear recommendations and implementable business requirements.
• Demonstrated communication skills and ability to collaborate with Credit, Risk, Product, Finance, Compliance, Operations, and Technology.
• Demonstrated ability to identify automation opportunities and leverage AI to improve productivity and quality.

Responsibilities

• Develop, implement, and optimize credit strategies for Small Business LOC and Card products.
• Design and manage credit policies, decision rules, risk segmentation, and strategy frameworks.
• Analyze portfolio performance, utilization, delinquency, losses, profitability, and customer behavior.
• Develop origination, authorization, and account management strategies across the credit lifecycle.
• Design and monitor strategy tests, champion/challenger initiatives, and policy enhancements.
• Create reporting, dashboards, and analytical frameworks for executive decision-making.
• Partner with Product, Finance, Operations, Compliance, Risk, and Technology on product development.
• Perform hands-on analytics using SQL and tools like Python, SAS, or R to generate insights.
• Support governance activities, policy documentation, audits, and regulatory initiatives.
• Present findings and opportunities to senior leadership.

Skills

SQL

Analytical skills

Communication skills

Collaboration

AI opportunities

Tools

Python

SAS

R

Job description

UnitedHealth Group's Optum Bank is seeking a Sr. Analyst, Credit Strategy & Analytics to shape credit strategies for Small Business Line of Credit and card products. This hands-on role focuses on origination and account management strategies, translating data into scalable decisioning frameworks.

You will partner with Credit, Product, Risk, Finance, Compliance, Operations, and Technology to implement actions that balance growth, risk, and customer experience. Remote work is supported nationwide.