Sr. Analyst, Credit Strategy & Analytics - Small Business Line of Credit and Card
About The Position
The Sr. Analyst, Credit Strategy & Analytics will help build and optimize credit strategies for Optum Bank’s Small Business Line of Credit and card products. This hands-on individual contributor role translates data, customer behavior, and portfolio performance into scalable credit strategies. The primary focus may be originations strategy, account management strategy, or both, depending on business needs and the candidate’s experience. The analyst will collaborate across the credit lifecycle to support integrated underwriting, exposure management, portfolio performance, customer experience, and risk governance. The role contributes to building a new lending capability and developing analytical and decisioning frameworks for responsible growth. It partners with Credit, Product, Risk, Finance, Compliance, Operations, and Technology to turn business objectives into implementable credit strategies. The position may be performed remotely from anywhere in the U.S.; employees hired in the Minneapolis or Washington, D.C. area must work in the office at least four days per week. Remote employees must follow UnitedHealth Group’s Telecommuter Policy.
Requirements
- At least 5 years of experience in credit strategy, credit risk, underwriting analytics, account management, portfolio management, or a 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 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.
Nice To Haves
- Experience with Python, SAS, or R.
- Experience with Small Business Lines of Credit, Business Cards, SBA Lending, or other revolving and small business lending products.
- Experience specializing in 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.
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; 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 on 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.
Benefits
- Comprehensive benefits package, subject to eligibility requirements.
- Incentive and recognition programs.
- Equity stock purchase plan, subject to eligibility requirements.
- 401(k) contribution, subject to eligibility requirements.
- Career development opportunities.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
