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

Job d:

Location:

Draper, Utah, United States Salary: $112,700 - $193,200/year

Job Area:
Banking & Financial Services Company:
United Health Group 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 in making healthcare work better for everyone through people-led, responsible AI while Caring. Connecting. Growing together.

The Associate Director, Credit Strategy & Analytics will provide strategic leadership for Optum Bank's Small Business Line of Credit and Card products. This role will be responsible for the development, implementation, governance, and ongoing optimization of credit strategies, credit policies, and portfolio management frameworks supporting product growth, profitability, customer experience, and risk management objectives.

The Associate Director will oversee credit strategies across the full customer lifecycle, including originations, underwriting, line assignment, authorization, account management, exposure management, portfolio monitoring, and policy governance. The role will lead a team of credit strategy professionals focused on origination and account management strategies while partnering closely with Product, Finance, Risk, Compliance, Operations, and Technology teams.

This position offers a unique opportunity to help build and scale a new lending platform and influence the future direction of Optum Bank's small business lending capabilities.

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:

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 efforts, 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

You'll be rewarded and recognized for…