Associate Director, Credit Strategy and Analytics - Small Business Line of Credit and Card - Remote

UnitedHealth Group•Draper, UT

1d•$112,700 - $193,200•Remote

About The Position

The Associate Director, Credit Strategy & Analytics provides strategic leadership for Optum Bank’s Small Business Line of Credit and Card products. The role is responsible for developing, implementing, governing, and optimizing credit strategies, credit policies, and portfolio management frameworks to support product growth, profitability, customer experience, and risk management objectives. The Associate Director oversees credit strategies throughout the customer lifecycle, including originations, underwriting, line assignment, authorization, account management, exposure management, portfolio monitoring, and policy governance. The role leads a team of credit strategy professionals focused on origination and account management strategies and works closely with Product, Finance, Risk, Compliance, Operations, and Technology teams. It also helps build and scale a new lending platform and shape Optum Bank’s small business lending capabilities. The position is remote within the United States. Employees hired in the Minneapolis or Washington, D.C. area must work in the office at least four days per week. Remote employees must adhere to UnitedHealth Group’s Telecommuter Policy.

Requirements

At least 8 years of experience in credit strategy, credit risk, underwriting analytics, account management, portfolio management, or a related discipline.
At least 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.
Understanding of underwriting, exposure management, portfolio management, risk segmentation, and credit policy development.
Analytical capabilities and experience using SQL and analytical tools.
Ability to identify automation opportunities and leverage AI to improve productivity and quality.
Communication skills, including experience presenting recommendations and results to executive leadership.

Nice To Haves

Experience with Small Business Lines of Credit, Business Cards, Commercial Cards, SBA Lending, or related revolving credit products.
Experience launching new lending products or building credit-risk frameworks from inception.
Experience leading both originations and account management strategy functions.
Experience working with automated decisioning systems and credit-risk platforms.
Experience supporting governance committees, regulatory examinations, audits, and issue remediation efforts.
Experience with fintech partnerships, third-party originators, or embedded lending models.
Experience developing risk-adjusted pricing, credit line assignment, and portfolio optimization strategies.
Proficiency with Python, SAS, R, or similar analytical tools.

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, 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.