Credit Strategy Manager - Small Business Line of Credit and Card

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 Manager, Credit Strategy & Analytics will 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.

Primary 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

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:

* 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

Preferred Qualifications:

* 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…