Credit Strategy Manager - Small Business Line of Credit and Card

UnitedHealth Group•Draper, UT

6d•$91,700 - $163,700•Onsite

About The Position

Optum is seeking a Manager, Credit Strategy & Analytics to play a key role in the development, implementation, and ongoing management of Optum Bank's Small Business Line of Credit and card products. This role partners closely with Product, Risk, Finance, Operations, and Technology teams to develop and optimize credit strategies that drive responsible growth, profitability, and portfolio performance. The successful candidate will support the full credit lifecycle, including underwriting strategy, credit policy, portfolio management, analytics, and risk governance. Depending on business needs and candidate experience, responsibilities may focus on originations, portfolio management, or a combination of both. This role requires solid credit risk expertise, strategic thinking, and the ability to translate data-driven insights into business actions. The role will be instrumental in supporting new product launches, portfolio growth initiatives, and the evolution of Optum Bank's small business lending platform.

Requirements

Bachelor’s degree in Finance, Economics, Statistics, Business, Engineering, or related field
5+ years of experience in credit risk, credit strategy, underwriting, portfolio management, or related disciplines
Experience in Small Business, Consumer, or Commercial lending
Experience developing and interpreting credit policy, credit performance analytics, and risk strategies
Working knowledge of automated underwriting or risk decisioning frameworks
Demonstrated solid analytical skills; SQL (Python/SAS/R preferred)
Demonstrated solid communication skills and ability to work cross‑functionally with Risk, Finance, Product, Operations, and Technology teams

Nice To Haves

Experience with Small Business Lines of Credit, Business Cards, SBA Lending or other revolving and Small Business Lending products
Experience in both originations and portfolio management
Experience working with fintech lenders, and third-party originators
Experience supporting new product launches and growth-stage lending programs
People‑management experience in an analytics or credit function
Exposure to credit governance, audits, regulatory examinations, or issue remediation activities
Familiarity with SBA lending concepts and underwriting
Background in consumer and/or healthcare‑related lending

Responsibilities

Develop, implement, and optimize credit strategies for Small Business Line of Credit and card products, balancing growth, risk, and profitability
Support the full credit lifecycle, including underwriting strategy, credit line assignment, account management, portfolio monitoring, and risk optimization
Analyze portfolio performance and key risk metrics, including utilization, delinquency, losses, profitability, and emerging risk trends
Design, test, and optimize origination and portfolio management strategies to balance growth, customer experience, and risk outcomes
Develop reporting, dashboards, and analytical frameworks to support credit, business, and operational decision making
Partner closely with Product, Finance, Risk, Compliance, Operations, and Technology teams to support product development, portfolio performance, and strategic initiatives
Contribute to credit policy development, governance activities, Credit Committee materials, and regulatory support
Perform hands-on analytics using SQL and analytical tools such as Python, SAS, R, or similar technologies to generate actionable business insights
Translate complex data into clear recommendations and effectively communicate findings, opportunities, and risks to senior leadership and business partners
Support new product development and strategic growth initiatives across Small Business lending products