Senior Director, Small Business Credit Strategy & Analytics

UnitedHealth Group; Draper (UT); Remote; USD 113,000 - 193,000; Full time

Job summary

UnitedHealth Group seeks an Associate Director of Credit Strategy & Analytics to lead credit strategies across Small Business Line of Credit and Card products, directing policy governance, underwriting frameworks, and portfolio optimization.

You will manage a team, balance growth with risk, and partner with Product, Risk, Compliance, and Technology to scale Optum Bank's lending platform while guiding governance and executive reporting. This role offers remote work flexibility across the U.S.

Qualifications

• 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.
• Proven analytical capabilities with experience using SQL and analytical tools.
• Demonstrated ability to identify automation opportunities and leverage AI to improve productivity and quality.
• Demonstrated communication skills with experience presenting recommendations and results to executive leadership.

Responsibilities

• 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.

Skills

SQL

Leadership

Analytical skills

AI automation

Communication

Portfolio management

Executive presentation

Tools

Python

SAS

R

Job description

UnitedHealth Group seeks an Associate Director of Credit Strategy & Analytics to lead credit strategies across Small Business Line of Credit and Card products, directing policy governance, underwriting frameworks, and portfolio optimization.

You will manage a team, balance growth with risk, and partner with Product, Risk, Compliance, and Technology to scale Optum Bank's lending platform while guiding governance and executive reporting. This role offers remote work flexibility across the U.S.