Optum · 5 hours ago
Associate Director - Credit Strategy and Analytics - Remote
United States
Full-time
Remote
Senior Level, Lead/Staff, Director/Executive
$113K/yr - $193K/yr
8+ years expOptum is a global organization that delivers care aided by technology to help millions of people live healthier lives. The Associate Director - Credit Strategy & Analytics is responsible for advancing Optum Bank's credit policy, segmentation strategy, and portfolio analytics across Consumer and Small Business lending, requiring deep credit expertise and analytical capabilities.
EducationHealth CareMedicalPharmaceutical
Responsibilities
Develop, maintain, and enhance credit policies across Consumer and Small Business portfolios
Translate analytical insights into underwriting rules, segmentation strategies, and credit criteria
Support pricing strategy development using risk‑return segmentation
Evaluate and refine criteria for eligibility, verification, red flags, and exception management
Build and manage dashboards, early warning indicators, and portfolio performance monitoring
Conduct deep segmentation analyses to identify trends, risks, and opportunities
Perform forecasting, scenario analysis, and P&L impact modeling
Present monthly/quarterly performance updates to senior leadership and the Credit Committee
Pull, clean, and analyze data using SQL and advanced analytical tools (Python, SAS, R)
Investigate emerging risks, performance deterioration, or operational/systemic gaps
Develop frameworks for ongoing monitoring, reporting automation, and root‑cause assessments
Work seamlessly with analysts, managers, directors, executives, and Credit Committee members, adjusting communication style to each audience
Partner with Risk, Modeling, IT/Data Engineering, Finance, Underwriting, Operations, and enterprise functions to design and execute credit strategies
Collaborate with third‑party lenders and originators to align underwriting methodologies, ensure credit consistency, and resolve variances in DTI, income, scorecard usage, and verification standards
Support regulatory exam preparation, credit policy documentation, and remediation efforts
Provide data, analysis, and narrative explanations for regulatory requests and internal audit reviews
Maintain solid governance controls across policy, reporting, and decisioning frameworks
Create clear, compelling presentations for executives, committees, and cross‑functional partners
Communicate technical findings in business language appropriate for senior decision-makers
Influence outcomes using data-driven arguments and strategic framing
Mentor junior analysts and guide analytical best practices within the team
Qualification
Required
Bachelor's degree in finance, Economics, Statistics, Business, Engineering, or related field
8+ years of experience in credit risk, credit policy, underwriting, or portfolio analytics
Hands‑on data skills: SQL required; Python/SAS/R preferred
Experience with segmentation, pricing strategy support, and risk‑based decisioning
Proven experience writing or maintaining credit policy and underwriting frameworks
Understanding of consumer and small business lending products and credit bureau data
Demonstrated ability to work across all organizational levels from analysts to executives
Demonstrated solid storytelling and presentation skills for diverse audiences
Demonstrated ability to independently lead cross‑functional projects
Ability to travel up to 10%
Preferred
Master's degree in a quantitative or finance-related field
Experience interacting with federal/state regulators
Experience with third‑party originators or fintech lending models
Familiarity with healthcare lending or point‑of‑care financing
Background working with decision engines, credit models, and operational processes
Deep proficiency with Microsoft Office products (Excel and PowerPoint)
Proven ability to manage multiple tasks in a fast-paced environment
Proven sound judgment, problem resolution, decision-making, & experience working under strict deadlines
Proven excellent conceptual, problem solving, and analytical skills
Proven great communication skills, experience in storytelling and deck creation
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