Sr. Analyst, Credit Strategy & Analytics - Small Business Line of Credit and Card

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

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together.

The Sr. Analyst, Credit Strategy & Analytics will play a key role in building and optimizing credit strategies for Optum Bank's Small Business Line of Credit and card products. This is a hands-on, individual contributor role with meaningful responsibility for translating data, customer behavior, and portfolio performance into scalable credit strategies.

The position will focus primarily on Originations Strategy, Account Management Strategy, or a combination of both, based on business needs and the successful candidate's experience. The role will also collaborate across the full credit lifecycle to help establish an integrated approach to underwriting, exposure management, portfolio performance, customer experience, and risk governance.

This is an opportunity to help build a new lending capability, influence strategy from an early stage, and develop analytical and decisioning frameworks that support responsible growth. The role will partner closely with Credit, Product, Risk, Finance, Compliance, Operations, and Technology to translate business objectives into implementable credit strategies.

You’ll enjoy the flexibility to work remotely* from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.

Primary 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

You’ll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Required 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

Preferred Qualifications:

• Experience with Python/SAS/R
• Experience with Small Business Lines of Credit, Business Cards, SBA Lending, or other revolving and small business lending products
• Experience specializing in either originations strategy or account management strategy
• Experience with credit line assignment, exposure management, utilization strategies, authorization strategy, or early warning frameworks
• Experience working with fintech lenders, data providers, credit bureaus, or third‑party originators
• Exposure to credit governance, audits, regulatory examinations, or issue remediation activities
• Experience supporting new product launches and growth stage lending programs
• Experience in small business financial assessment, cashflow analysis, or business credit data

*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy.

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $91,700 - $163,700 annually based on full-time employment. We comply with all minimum wage laws as applicable.

Application Deadline:

This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.

At UnitedHealth Group, our mission is to help people live healthier lives and help make the health system work better for everyone. Together, we are shaping the future of healthcare by harnessing technology and innovation to make care simpler to navigate, more affordable and more connected for the people we serve. We are committed to creating an inclusive workplace where everyone feels welcomed, valued, heard and respected, empowering people to bring their authentic selves to work and strengthening our collective impact through diverse talents, backgrounds, experiences and perspectives.

UnitedHealth Group and its affiliated brands are an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.

UnitedHealth Group and its affiliated brands are a drug‑free workplace. Candidates are required to pass a drug test before beginning employment.