Optum ยท 11 hours ago
Credit Data Modeler - Remote
United States
Full-time
Remote
Mid, Senior Level
$113K/yr - $193K/yr
5+ years expOptum is a global organization that delivers care aided by technology to help millions of people live healthier lives. They are seeking an experienced Credit Modeler to build and scale the credit modeling infrastructure for their Consumer and Small Business lending products, focusing on developing and maintaining machine learning and statistical models for real-time credit decisions.
EducationHealth CareMedicalPharmaceutical
Responsibilities
Develop and maintain predictive models for application and behavioral scoring, probability of default (PD), loss given default (LGD), and early risk detection
Design models for underwriting, fraud detection, credit line management, and collections strategies
Create advanced features using alternative data sources (e.g., bank transaction data, health care claims data, cash flow, open banking, etc.)
Evaluate new data vendors and enrich internal datasets to improve model performance
Take models from prototype to production in partnership with Data Engineering and Product teams
Build interpretable and compliant models aligned with FCRA, ECOA, and fair lending standards
Own model monitoring, validation, reporting and back testing, regularly recalibrating for shifts in macroeconomic conditions or borrower behavior
Work with Risk, Product, Compliance and Finance teams to integrate model outputs into strategy
Communicate insights clearly to technical and non-technical stakeholders
Qualification
Required
5+ years of experience working with Python or R and SQL; familiarity with cloud environments like AWS, GCP, or Snowflake
5+ years of experience working with lending lifecycle and credit risk KPIs (e.g., delinquency, charge-offs, approval rates, ROI, CAC/payback)
4+ years of experience in credit risk modeling, ideally at a fintech, neobank, or consumer lending startup
4+ years of experience with both traditional statistical techniques (e.g., logistic regression, scorecards) and modern machine learning
Ability to travel 10%
Preferred
Experience with real-time underwriting or decisioning APIs
Work in embedded finance, BNPL, gig economy lending, or small business credit
Familiarity with explainability frameworks (e.g., SHAP, LIME)
Exposure to model governance or regulatory reviews
Comfort working in a dynamic, test-and-learn environment with incomplete data
Proven solid communication skills and attention to model transparency, fairness, and compliance
All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy
Benefits
Comprehensive benefits package
Incentive and recognition programs
Equity stock purchase
401k contribution
Company
Optum
Optum is a healthcare company that provides pharmacy services, health care operations, and population health management. It is a sub-organization of UnitedHealth Group.
10001+ employees
H1B Sponsorship
Optum has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (648)
2024 (559)
2023 (620)
2022 (851)
2021 (593)
2020 (438)
Funding
Current Stage
Late StageLeadership Team
Daniel Castillo
Chief Executive Officer, Optum Care Delivery
J
Jay Green
Chief Financial Officer
Recent News
2025-11-29
2025-11-19
2025-11-07
Company data provided by crunchbase