ExecutivePlacements.com · 1 day ago
Credit Data Modeler - Remote
United States
Full-time
Remote
Senior Level
5+ years expOptum is a global organization that delivers care aided by technology to help millions of people live healthier lives. They are seeking a Credit Data 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.
Human ResourcesOnline PortalsRecruiting
Responsibilities
Build Credit Models: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
Feature Engineering & Data Innovation: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
End-to-End Ownership:Take models from prototype to production in partnership with Data Engineering and Product teamsBuild interpretable and compliant models aligned with FCRA, ECOA, and fair lending standards
Performance Monitoring & Iteration:Own model monitoring, validation, reporting and back testing, regularly recalibrating for shifts in macroeconomic conditions or borrower behavior
Collaborate Cross-Functionally:Work with Risk, Product, Compliance and Finance teams to integrate model outputs into strategyCommunicate 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
K contribution
Company
ExecutivePlacements.com
Online recruitment
11-50 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase