Senior Credit Strategy Analyst Small Business LOC & Card

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

Benefits offered by this job

Remote work within US

Benefits package

Telecommuter policy

Job summary

UnitedHealth Group is seeking a Sr. Analyst in Credit Strategy & Analytics for the Small Business Line of Credit and Card. This hands‑on role focuses on originations and account management strategies, translating data into scalable credit decisions.

The position emphasizes collaboration across Credit, Risk, Product, Finance, Compliance, Operations, and Technology, with remote work flexibility within the US. Strong SQL and analytics are required to drive responsible growth in a dynamic portfolio.

Qualifications

• 5+ years of experience in credit strategy, credit risk, underwriting analytics, account management, portfolio management, or related discipline.
• Experience in 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, credit performance analytics, and risk strategies.
• Ability to translate analytical findings into clear recommendations and implementable business requirements.
• Demonstrated communication skills and the 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 Line of Credit and Card products, balancing growth, risk, profitability, and customer experience.
• Design and manage credit policies, decision rules, risk segmentation, and strategy frameworks across the credit lifecycle.
• Analyze portfolio performance, utilization, delinquency, losses, profitability, and customer behavior to identify trends and recommend actions.
• Develop and execute origination, authorization, and account management strategies, including underwriting, line assignment, exposure management, authorization controls, and line management actions.
• Design, monitor, and evaluate strategy tests, champion/challenger initiatives, and policy enhancements to improve portfolio performance.
• Create reporting, dashboards, and analytical frameworks to support executive decision‑making and portfolio management.
• Partner with Product, Finance, Operations, Compliance, Risk, and Technology teams to support product development and strategic initiatives.
• Perform hands‑on analytics using SQL and tools such as Python, SAS, R, or similar technologies to generate actionable insights and support credit strategy implementation.
• Support credit governance activities, policy documentation, Credit Committee materials, audits, examinations, and regulatory initiatives.
• Present findings, recommendations, opportunities, and emerging risks to senior leadership and key stakeholders

Skills

SQL

Credit policy

Credit risk

Analytical skills

Communication

Collaboration

Automation opportunities

Python

SAS

R

Tools

Python

SAS

R

Job description

UnitedHealth Group is seeking a Sr. Analyst in Credit Strategy & Analytics for the Small Business Line of Credit and Card. This hands‑on role focuses on originations and account management strategies, translating data into scalable credit decisions.

The position emphasizes collaboration across Credit, Risk, Product, Finance, Compliance, Operations, and Technology, with remote work flexibility within the US. Strong SQL and analytics are required to drive responsible growth in a dynamic portfolio.